Date Received: 2022-05-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: First of all Im a XXXX and have been out of school since XXXX... I had my loan switched to several different agencies multiple times. The last loan company I recall was XXXX and was told that I was on income repayment at {$250.00} back in XXXX and that was last for 10 years. Then I see sometime in XXXX the loan was switched/sold to AES and I owe the same amount that I took out in XXXX. I feel like I have made consistent payments based on what was set-up. I have worked for several insurance companies, and I guess they are consider for profit companies. Im currently self employed/contract and work for the government. I really need to speak with someone to see what is going on with this loan. Thanks
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XX/XX/2022 I applied via XXXX. I asked for my previously denied payments to be accepted. I was denied again. Payment plan FedLoan set up for me ( IDRP ) was impossible to pay. My income was decent for US standards, but I live in NYC with XXXX kids.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have worked at the XXXX XXXX XXXX, XXXX XXXX ( XXXX ) from XX/XX/XXXX to XX/XX/XXXX and recently applied to for PSLF and was granted PSLF on XX/XX/XXXX. I have made multiple payments after leaving XXXX totalling {$12000.00} ( see Student Loan Payments after XXXX XXXX and a few of them totalling {$1100.00} have been refunded ( see XXXX XXXX XXXX XXXX ). However, a large amount, {$11000.00}, has yet to be refunded. I have contacted Fedloan Servicing about this issue but have yet to recieve an answer.
Company Response:
State: UT
Zip: 84123
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was mistakenly lead to believe that my XXXX loans would qualify for forgiveness under XXXX However, my loans were a spousal consolidation from back in XXXX and apparently does not qualify. Basically, I was told that my 21 years of XXXX XXXX does not count because of my great sin of being married while repaying a student loan. This is a great injustice. It is discrimination against being married. These loans were consolidated in good faith with the Department of Education. My XXXX XXXX should count towards the XXXX program. They no longer allow spousal consolidation, but they should fix this ASAP and honor the few of us that are being screwed over by this. What a disservice to public service!
Company Response:
State: MS
Zip: 39211
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: FedLoan servicing consolidated two federal loans with out my authorization or signing of master promissory note with them then I contacted them in XXXX of XXXX to get the loan with them unconsolidated and they were unhelpful in gettin it done. After I secured a new consolidated loan with a different company in XXXX. They received a payoff check from the new company and then sent my loans back to XXXX where they should have stayed. After I received calls from XXXX about having a loan amount with them. I called FedLoan asking how they transferred a loan back with no money owed. They told me that they finally unconsolidated my loan. When I asked them about the pay off check they had no answers. I was able to get an answer after multiple calls and countless hours on hold saying I now need to contact the IRS to find out the status of the payoff check. This check is needed urgently to send to XXXX so I am only paying one loan the correct one and not two different ones to my new company and XXXX. FedLoan employees have not been professional during the calls, rude and unable to give answered to questions.
Company Response:
State: SD
Zip: 573XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
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. 15USC1681 Section 602 states I have the right to privacy. 15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit report as late for and purpose.
Company Response:
State: PA
Zip: 18301
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2022, I initiated a phone call to AES/PHEAA to inquire about payments being returned. This was related to 2 separate emails I received about a payment being returned. My question about the emails was related to why there were 2 separate amounts that claimed it was returned, when I only paid using 1 amount. The Agent " XXXX '' became hostile and aggressive and sounded like he hated his job and did not want to be there. His immediate tone was obvious based on this previous statement. He then berated me over the phone claiming that he doesn't " need me to tell him what his tone is '' and some other statements he made alluding to me offending him in some way. He then transferred me over to only who I can assume to be a supervisor " XXXX ''. I let XXXX know that I did not appreciate XXXX 's lack of courtesy, lack of professionalism, and his demeanor based on his tone. Simply asking questions of someone GETTING PAID TO ANSWER QUESTIONS does not call for any one of your employees to be rude or disrespectful to the caller. XXXX advised me that XXXX was going to " leave for the day '' because of the conversation. I let XXXX know that if XXXX leaves for the day because of how the phone call went, that he only has himself to blame because he made me feel horrible from the onset of the conversation. Does AES/PHEAA make a habit of allowing people with bad attitudes run the organization? Nearly every single time I call in, I get someone with a negative or bad attitude. This is exactly why I submitted a complaint about your employee morale from comments I found on Indeed.com. I have XXXX trust in AES/PHEAA, and to be perfectly honest, many people have lost it as well. If you can not even get people who get paid to handle calls to be held accountable for their mistakes and failures as employees, well, it is obvious why there are so many issues with your XXXX. I'm on the fence with whether or not I need to contact Law Enforcement. In the past and today, this is now multiple agents who I have no idea what their motives are. Because they became agitated with me, I do not feel at all comfortable with them having access to my personal information. For all I know they may try and secretly take my information and perhaps give it to bad people. This is a hypothetical. The payment that was returned will be covered on XX/XX/2022. I will call in to make the payment via phone on XX/XX/2022, so it WILL NOT BE over 30 days past due after XX/XX/2022. You can not report that it is past 30 days just because it takes your agency 2 days to process a payment. I don't care if you don't believe me either, I've had conversations with reputable attorneys who said that when Creditors misreport, they tread on thin ice, because Judges do not like companies who manipulate. Misreporting to the Credit Bureaus is immoral and against the law. How many states Sued AES/PHEAA now? It is more than 1, that's for sure. Why would all of these other states feel the need to XXXX if there wasn't something wrong occurring? Your agency is as bad and corrupt as the Biden Administration.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I submitted an employer certification form for the PSLF program back in XXXX and I still haven't heard whether or not the employer I have worked for since XXXX is qualified. They are in the system as approved and this is unacceptable that this is taking so long.
Company Response:
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2022, my student loans with FedLoan Servicing were transferred to XXXX pursuant FedLoans contract termination with the federal government for student loans. When FedLoan transferred my loans, rather than adhering to the Department of Educations guidance that student loan accounts should be designated as transferred rather than closed, FedLoan reported my account as closed, resulting in a 73+ point drop to my credit score. This significant drop caused exclusively by the way FedLoan reported the transfer has serious ramifications on my ability to make purchases requiring the use of credit. Because FedLoan is no longer operating as a student loan servicer and no longer has access to any of my accounts, I can not raise the problem with them directly.
Company Response:
State: FL
Zip: 32205
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Hello, XX/XX/XXXX, I called FedLoan Servicing to check on the Limited Public Service Loan Forgiveness Waiver application I had submitted. The deadline for this application is in XXXX of XXXX. The deadline is fast approaching. At XXXX, XXXX XXXX after being on hold for three hours, " XXXX XXXX answered the phone. Her ID number is XXXX. XXXX did verify with me that they did have my form on file for the Limited Public Service Loan Forgiveness Waiver. I asked XXXX what the holdup was for 88 payments that are showing as eligible payments but they need employment verification? Please note, I have submitted from all of my current and previous educational institution employers the paperwork to certify and verify my employment multiple times over the past several years. I have worked for a total of three qualifying educational institutions for the Public Service Forgiveness Program, full-time, since XXXX. Here they are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX, TX : XXXX - XXXX XXXX University, XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX University, XXXXXXXXXXXX XXXX XXXX XXXX - Current XXXX verified that my employment verification form for XXXX XXXX XXXX XXXX was received on XX/XX/XXXX. However, I have submitted this form a long time ago ; several years ago. XXXX told me that the XXXX XXXX XXXX XXXX employment verification form looks " ok, '' but it is " on hold '' because they are trying to verify everything from the Department of Education. Please NOTE : I have submitted all employment verification forms for all three educational institutions to FedLoan Servicing multiple times throughout many years. Why is it taking years to verify my employment from a high school in Texas? XXXX proceeds to tell me that " she is not seeing where XXXX University is a verified employer for my years of employment from XXXX - XXXX, so she is going to have to send this in for review. '' XXXX tells me that " there are specific people that process these applications and she can only look over an application and search in another system for any denials. '' Please NOTE : XXXX does confirm that XXXX University 's employment verification form is a file showing in my upload history within my FedLoan Servicing account. XXXX verified with me that XXXX University 's employment verification application has been processed and this employer does qualify as a Public Service Loan Forgiveness educational institution but that this employer is showing as " no employment verification '' status. The most recent employment verification form I have uploaded into my FedLoan Servicing account was one pdf file containing both XXXX University and XXXX XXXX XXXX XXXX. Please keep in mind that representatives from both aforementioned schools from their human resources departments have completed these forms verifying my employment with these institutions. Again, I have submitted these forms multiple times to FedLoans Servicing over the past several years. So much so that when I contact these educational employers, they keep telling me " I've already completed this form for you. '' XXXX confirmed with me that the pdf file containing the two schools ( e.g., XXXX University and XXXX XXXX XXXX XXXX ) was scanned " ok '' and readable. This file was uploaded ( once again ) in XX/XX/XXXX. XXXX said that the hold on XXXX XXXX XXXX XXXX is not going to affect the XX/XX/XXXX deadline on the Limited Public Service Loan Forgiveness Waiver Program. XXXX confirmed that I have submitted all forms needed from all educational institutions ( e.g., XXXX XXXX XXXX University, XXXX University, and XXXX XXXX XXXX XXXX ) for the Limited Public Service Loan Forgiveness Waiver Program and the Public Service Loan Forgiveness Program, but that she needed to send my forms to be " relooked '' at for XXXX University and she couldn't find anything about XXXX XXXX XXXX XXXX. Please keep in mind that I have submitted these employment verification forms for XXXX XXXX XXXX XXXX and XXXX University and even XXXX XXXX XXXX University multiple times over several years. Why is it taking many, many, years to verify my employment? XXXX could not provide me any case number regarding my concerns, but she did verify that I had submitted all paperwork for my employment verification for all schools/universities by the deadline of XX/XX/XXXX regarding the Limited Public Service Loan Forgiveness Waiver Program per my " file upload '' feature in my online FedLoan Servicing account. XXXX told me that she was going to submit a request through the system to get an update on verifying XXXX XXXX XXXX XXXX and XXXX University. She said she doesn't resend my documents but rather each document I have sent in has an identification number and for XXXX University that is showing denied for 120 payments is reference number XXXX. She told me that there was a duplicate application on file for XXXXXXXX University and one file has been approved already but it is now updating my payments. XXXX said she will also submit a review request for XXXX XXXX XXXX XXXX, the reference ID is the same as XXXX University because they were submitted together. She said she will ask them why these two educational institutions are on hold. I have 88 payments that are showing as " eligible payments '' but these payments are not counting towards my 120 payments under the Public Service Loan Forgiveness Program because it is showing they need to verify my employment. I have sent in this paperwork many, many times over many, many years and I want my employment verified and my payments updated in my online account. Thank you, XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX
Company Response:
State: TX
Zip: 75069
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A