Date Received: 2022-05-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received a letter from Fedloans dated XX/XX/XXXX indicating that XXXX of my student loans are being forgiven/discharged under the Public Service Loan Forgiveness . This XXXX loans date to XXXX. I contacted Fedloans on XX/XX/XXXX to verify the information and to inquire as to my remaining XXXX loans and why they were not discharged. The representative could not tell my why only partial loans were discharge and transferred me to another representative that explained that because my loans from XXXX, XXXX, and XXXX were not consolidated to my XXXX loans I could not benefit from getting them discharged. This representative adviced me to consolidate my loans and resubmit my PSLF form and transferred me to a third representative that could help me consolidate my loans. I spoke to the 3rd representative and she explained that I needed to consolidate by going on the studentaid.gov website. I told this representative that upon graduating in XXXX I told my loan servicer ( XXXX ) that I wanted all my loans consolidated and that I was under the impression that all my loans were consolidated. She confirmed that they were not an advice me to again consolidate the remaining loans which I immediate did so after getting off the phone with her on XX/XX/XXXX. On the same day XX/XX/XXXX I proceeded to contact my loan servicer XXXX looking for an explanation as to why my loan were not consolidated when I had previously mentioned it XXXX. I was informed by XXXXXXXX XXXX representative that my " loans were all direct loans and did not need to be consolidated ''. The XXXX representative directed me to call Fedloan again and shared that my loans were already direct loans. I contacted Fedloans on XX/XX/XXXX and spoke with 3 representative that passed me around and told me that there was nothing they could do for me as my XXXX loans were no consolidated with my XXXX loans that had already been discharged. I spoke to PSLF specialist who was adamant and said nothing could be done and last per my request to Account Recovery Specialist who sarcastically asked me if I was calling to have my loan forgiveness reconsidered due to misinformation/lack of information ( in fact this is my request ). With very little guidance the Account Recovery Specialist told me to submit an appeal to my PSLF by going to studentaid.org. I am asking for assistant in having all my loans reconsider under the PLSF waiver as I have hanging loans that were not considered for discharge due to not being consolidated with my highest count loan. Please know that my loan processor XXXX never adviced me as to the PSLF waiver and the benefit of consolidating. Up to this week XX/XX/XXXX they are still advising me that direct loans do not need to be consolidated which opposite to what Fedloans is saying. Fedloans quickly discharged my highest count loan ( XXXX ) without tell me to to consolidate or so that I dont take advantage of consolidating my most recent loans. I believe this is an oppressing practice, as it put me at a huge disadvantage. They are not willing to work with me and have told me that there is nothing they can do as my highest count loan were already discharged. The lack of information and misinformation by the two loan servicer/processor have significantly negatively impacted me as I have XXXX outstanding loans that could have been discharged. I reviewed the PSLF information posted on the studentaid.gov website and there is no information indicating the direct loans needed to be consolidated. The site makes reference that other type of loans should be consolidated/converted to direct loans. Again, all of my loans were already direct loans. Fedloans is not being just in applying the highest count loan to all my loans based on a claim of lack of consolidation that they did not advice, nor XXXX nor the studentaid website. I hope that you can investigate my cause and assist me. Thank You Highly.
Company Response:
State: NY
Zip: 11433
Submitted Via: Web
Date Sent: 2022-05-25
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: Don't agree with the fees charged
Consumer Complaint: On XX/XX/2022, I initiated contact to PHEAA to pay a past due bill. The representative on the phone continued to ask me repetitive questions that their automated system already asked me. The representative continued to prolong the conversation claiming that they have to ask these questions over and over again but failed to explain why they are forced to continually delay processing because of the questions to be asked repetitively. The representative continued to become evasive with my line of questioning and came across as sarcastic throughout the entire phone conversation. The representative then threatened to report the account to an outside agency or the Credit Bureaus if I didn't pay the late fees which I informed the representative that PHEAA would need to send me where the late fees are going and an explanation as to why and where they came to the amounts that were added. The representative seemed lazy throughout the entire process claiming that she was going to get the information, would put me on hold for 5 minutes or so, then come back and claim she couldn't find any information. Again, PHEAA should not be making light of the fact that they believe their representatives are not doing anything wrong. This scenario is a pure example of somebody who is really not qualified to be dealing with the public. This is exactly why I've given a law firm a copy of the Letter from PHEAA 's lawyers and various responses to these CFPB complaints. Interestingly, it appears PHEAA has been sued in the past for Unfair Credit Reporting practices and ultimately settled because the courts realized what corruption was taking place.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022 I was provided with a letter stating my loans are paid in full. After months of monitoring my credit report, Fedloan servicing has continuously updated my account after every dispute as if it is in good standing when in all actuality it is paid in full. The current status is Open/Never late. Deferred, payments begin XX/XX/2022 but this is incorrect.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am trying to qualify for the PSLF in the XXXX. Per student aid.gov in order to qualify and have your payments count. You must work for a qualifying employer. Which I have. You must either work full-time or 30 hours a week or more which ever is greater to count towards the PSLF. I worked aXXXX XXXX XXXX from XXXX through XXXX. I worked 52 hours a week. According to student aid.gov I worked over 30 hours a week for a qualifying employer so these payment should count towards XXXX and XXXX. Fed Loan I have talked to on several occasions as well as XXXX. My employer XXXX XXXX hired me a XXXX XXXX but again I worked 52 hours a week for five years. Im a XXXX XXXX. This qualifies to have those payments count. Fed Loan is telling me because my employer marked part time it doesnt count. According to the law and the regulations you either work full-time or greater than 30 hours a week which ever is greater counts. No one is helping me. I went on the student aid.gov website apply to be reconsidered and they close my case and said it was a duplicate. I dont know what to do anymore. I need help.
Company Response:
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Since viewing my credit report on XX/XX/22, I have noticed that the following credit reporting agencies have information listed on my consumer report not in accordance with the law : XXXX. XXXX has allowed multiple companies such as : FedLoan Servicing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to all furnish late payments to my consumer report knowing it is a violation of federal law pursuant to 15 USC 1666b ( a ) and 15 USC 6821 ( a ) ( 2 ).
Company Response:
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
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 disputed many times that it is past the legal time to continue to be reported on my report. In addition, the loans are discharged and I have consistently disputed with the Bureaus in order to get the loans removed from my credit file. They are clearly operating in fraud. These accounts must be removed from my credit file.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
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 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Company Response:
State: CA
Zip: 94607
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was very unhappy with how the CFPB handeled my last complaint. XXXX I dont feel anyone did anythingXXXX XXXX XXXX XXXX XXXX. FEd loans is taking this COVID Public service waiver and playing XXXX again , just as they did for the past XXXX years torturing borroweres. I just got their assessment of my eligibility. They stiil creat GAPS in my XXXX XXXXXXXX XXXX XXXX XXXX, since I changed jobs in middle after getting a promotion. I sent them ALL the XXXX XXXX forms for XXXX yerars, and they still want to crush me. In addtion they just keep nitpicking. I cant wait to see them bankrupted. I am attaching my latest email that came last nihgt. My biggest fear is XXXX will come, and the window will close, they take XXXX months to return a call or email same as they have done for XXXX years. I sent them all my XXXX XXXX forms as they asked, to show no gap in service, as you cna see they creat gaps, they just do this for fun I think. Pleas help this time, not like last time. XXXX
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: AES/PHEAA continues to send the same correspondence OVER AND OVER again when a loan goes past due. I believe this is starting to infringe on my consumer rights, as I believe they are over-sending correspondence in an attempt to harass or annoy me. Ironically, AES/PHEAA agents have claimed in the past through this portal that I submit too many CFPB complaints. That is quite interesting given how I have informed them that they are sending too many pieces of correspondence that articulate the same statements about the account being past due. I have seen pieces of mail come in multiple times in the same week. I have even had to SPAM their electronic delivery because in some cases I felt that I was receiving too many emails. AES/PHEAA claims I agreed to this amount of correspondence in the Promissory Documents that were signed in obtaining Student Loans. The individuals who made that statement are making stupid assumptions. Nowhere in any Document that was signed does it go into detail claiming that AES/PHEAA is allowed to send the amount of correspondence they send ( especially if they are doing this on purpose and sending the SAME CORRESPONDENCE repeatedly within days of receiving other pieces ). They can send 1 piece of correspondence alerting the Cosigner and borrower of the account being past due. Once they start to send the same thing again within days, it starts to become harassment. Unfortunately, their excuses they provide are not going to work. They also fail to consolidate the correspondence for multiple loans. I don't believe I agreed to multiple pieces of past due correspondence at the time I consolidated with this agency.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I graduated from college in 1993. I have consolidated these XXXX student loans beginning with XXXX XXXX. Since that time, there have been over five different companies that have taken over and restarted the principal interest, which made that {$10000.00} loan expand to what is now nearly {$16000.00}. I do not understand why after 25 years, borrowers are still expected to pay for the poor choices of companies passing this predatory activity from one to the next and the government allows this behavior. I am making monthly payments through American Education Services ( AES ) but again, that from was XXXX, and from XXXX, and from others passed through as though I've never paid anything, Can you please help to inquire and to speak for XXXX loan borrowers who do not get any help with this?
Company Response:
State: VA
Zip: 23601
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A