Date Received: 2022-05-27
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am writing to inform you of my process and communication with Myfedloan Servicing. Back in XX/XX/2021 and again on XX/XX/2021 I submitted my certification and application for the Public Service Loan Forgiveness. It has now been 6 months! Currently my account shows that I have 144 eligible payments ( in order to be forgive I need 120 ), of those 106 have been processes and are qualifying. I am waiting for 32 of the " Need Employment Certification '' to be completed by them so that I can be forgiven. I have met all of the requirements and now I am just waiting. I understand that this is a very involved process and that thousands of people are going through this task. My frustration is that there seems to be no rhyme or reason to this. I am on a number of social media groups and I have seen over 100 people post that they have received forgiveness and they submitted their paperwork well after mine. XXXX XXXX XXXX XXXX. I have no time to make phone calls during my school day. I have taken off 2 days just to make a phone calls to them, only to be told, " We know nothing, you just need to wait! ". The lack of communication has been unacceptableXXXX XXXX XXXX XXXX XXXX, trust me I am a very patient person. My patients has run out. Thank you for you help in advance.
Company Response:
State: LA
Zip: 70118
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have tried to contact Fed Loans XXXX several times in regards to my student loan. I am a frontline worker, and served in the capacity of such during the pandemic. Although my loan was not needing to be paid on during the pandemic, I still worked for the non-profit during the entirety of the pandemic period. I submitted my Public Student Loan Paperwork to Fed Loan Servicing back in XX/XX/XXXX. I have called numerous times to get this fixed. I started payments on my loan in XX/XX/XXXX. This means that with the paperwork I have submitted, I should have on record with Fed Loans a total of 84 to 85 payments made. Fed Loans is continuously only showing 61 payments made. This means that Fed Loans is not counting two years of payments. I have tried to resolve this on countless occasions by calling. Each call they advise me that they show my paperwork was submitted and that they have it. Only when I do call, I'm told to " Give it a couple of weeks, and it will be taken care of. '' As you can imagine, I checked today only to see that I'm still at 61 payments. I clearly can not rectify this by calling or e-mailing Fed Loans Servicing ( MyFedLoan ) since they don't do anything to rectify the problem. I don't know that I have to do to get Fed Loans Servicing to count my Public Student Loan Forgiveness payments.
Company Response:
State: CO
Zip: 80124
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hello! FedLoan Servicing is my student loan servicer. On XX/XX/XXXX, I called FedLoan and requested refund of payments made during XX/XX/XXXX through XX/XX/XXXX as part of the CARES Act. The payments totaled {$6700.00} and were as follows : XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, and XXXX XXXX {$960.00}. I was informed the refund request was not initiated until XX/XX/XXXX. At the time, I was told the process could take up to 60 days. I was told the refund process includes FedLoan initiating the request who then sends the request to US Dept of Education - Federal Student Aid ( FSA ) for review and approval. After waiting approximately 60 days, on XX/XX/XXXX, I called FedLoan to check on the status of this refund request since I had not received it and I was told the process can now take 90 days. FedLoan informed me they have submitted the request but are waiting on FSA to approve it before they can take action. And I was told the refund would come in the form of mailed US Treasury checks since XXXX was my loan servicer prior to being transferred to FedLoan in XX/XX/XXXX. I continued to wait another 30 days and called XXXX in XX/XX/XXXX and was told the process is taking longer than expected and to wait longer. As of XX/XX/XXXX, I am still waiting for this refund request. I have wait well over 150 days for this refund request. I know FedLoan is working incredibly hard to process thousands of PSLF Waivers and refunds over 120 payment counts. I feel that my request is not being processed in the order it was received and there is something wrong with my particular request. I do not feel that FedLoan and FSA are communicating appropriately to handle my request. I do not receive any communication for my request and each time I call FedLoan, I can receive conflicting information and need to escalate my call to a superior representative to get consistency.
Company Response:
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I took out student loans through the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX federal programs during XXXX school in XXXX. To be eligible for the public service loan forgiveness program I consolidated my loans and enrolled in the income based repayment plan on XX/XX/XXXX. I enrolled in automatic payment deductions so that every payment would be removed on time from my bank account by the loan servicer. The loan servicer changed hands several times but ultimately was taken over by Fed Loans Servicing. I continuously was employed with a XXXX non-profit employer and have been XXXX XXXX in the XXXX XXXX throughout. I made >120 qualifying payments including those payments of {$0.00} that were initiated automatically through the COVID 19 Relief act. I applied for forgiveness under the PLSF program on XX/XX/XXXX with my new employer certification form so that the 111 verified payments could be updated to 125 verified qualifying payments and checked the box for initiating loan forgiveness. I uploaded the completed application form via the website for " rapid processing '' on XX/XX/XXXX. While I was waiting for the forms to be processed, I called Fed Loans Servicing three times and each time had my application form reviewed by the agent on the phone. Each time they said everything looked great and that I'd have my loans forgiven once the application was processed. On XX/XX/XXXX I received notice that my employer verification form was processed and my number of qualifying payments had been updated to reflect 125 qualifying payments and that I would qualify for PLSF forgiveness on XX/XX/XXXX! However, I did not see any notification of forgiveness and my loan balance did not change. I checked the website which says " You're eligible for forgiveness. Congratulations, you made 120 qualifying payments on 2 of your 2 loans '' but then the loan amount was still reflected in full on my account balance. When I click the link on the website that says " Track your loan forgiveness progress '' it takes me to the studentaid.gov website. On that website, when I fill out the XXXX help form it generates another employment verification form that is identical to the one I filled out in XXXX and shows only 111 qualifying payments. I have called Fed Loans Servicing on XX/XX/XXXX who made me wait on the phone for an hour. They then said the notes on the account show that the application for forgiveness was initially approved and then denied with no reason why listed. They then recommended I apply again and continue to make payments while it's being sorted out.
Company Response:
State: CA
Zip: 95618
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am a student loan borrower who has been working toward Public Service Loan Forgiveness since I started repayment in XXXX. I have always had qualifying Direct Loans, and have submitted many XXXX XXXX Forms over the years. I submitted what should have been my final PSLF forgiveness application on XX/XX/XXXX. On XX/XX/XXXX, I received an automatically generated qualifying payment update but my count of qualifying payments did not increase at all. I still have XXXX out of XXXX qualifying payments even though XXXX more should have been added with my application. I called and spoke with a PSLF counselor at the end of XXXX, and she said not to fear as my XXXX application hadnt been reviewed yet. I called back on XX/XX/XXXX and spoke with XXXX. She said it was odd there was no movement on my application for PSLF forgiveness, so she initiated a priority review request for me. I called back today on XX/XX/XXXX and spoke with XXXX. She said the reason for the review was that somebody erroneously processed my application and declared that I did not have qualifying Direct loans, but she said I obviously do have the correct loans. I have now been on hold for over an hour to speak to a PSLF counselor about the error. I dont know what to do, Im so frustrated. I have followed the rules and regulations for the program but somebody didnt know how to process my application correctly. Please help!
Company Response:
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: After months of looking on the AES Success website for a mechanism to pay down the principle on my student loan, I finally chatted a customer service representative to ask. The individual informed me that I had to ASK for that feature to be turned on, otherwise, my overpayments would always go toward my next payment amount and the company could continue charging interest on the overall principle. If not illegal, this practice is immoral! AES Success should be ashamed of themselves and they should be forced to give clients an option with each payment as other lenders do!
Company Response:
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Account # 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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 34 CFR 685.219 - XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34983
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am uploading a shortened copy of my last letter of complaint to the Office of Federal Student Aid for the U.S. Department of Education on XX/XX/XXXX -- in order to get it uploaded within the 10MB size limitations. However, all the required documentation should be present for evaluation.
Company Response:
State: AR
Zip: 72701
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A