Date Received: 2022-04-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: MyFedLoan reported my payment 90 days late on XX/XX/2020 and 120 days XX/XX/2020. Payments were only XXXX bucks a month and XXXX XXXX payment was made in XXXX paying for four months in advance due to a rep verbally stating that I can make a larger payment to pay months in advance. After providing myfedloan with this information and showed them the payment which proves being 120 days late is inaccurate, they decided to not update the credit bereaus.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Per review of my student loans, which started in the year of XXXX and was consolidated in the year of XXXX for the PSLF. My qualifying payments were IBR at {$0.00}. These loans were created for me to attend and graduate XXXX XXXX XXXX. Currently, I have a Borrowers Defense Application in place that is pending/processing since XX/XX/XXXX for the XXXX XXXX XXXX loans because of the inaccurate information, fraud, and absent accreditation. Also, during this time I went back to school at XXXX XXXX XXXX ; XX/XX/XXXX, which has placed my current loans in a deferment. I was not made aware of this deferment, or was this information told to me. When I submitted my PSLF application and was approved, I was not made aware that if I was to start college again that my old school loans, that have nothing to do with my schooling now, would be affected. The other inaccurate information is Fedloan reporting my school loans on my credit report stating they will fall off my credit report in 7 years which will be XXXX. This is not correct as I received my loan in XXXX and this year of XXXX and month of XXXX, all account information of FedLoan should not be reported onto my credit. The reason it states " XXXX '' is because I made a conslidation on my loans but that doesn't change when I got the loans per when I spoke to XXXX. Ive already made a status change dispute of this to the credit bureau, and it was processed on XX/XX/XXXX, by FedLoan - " Dispute resolved - consumer disagrees. Before disputes were made, on Friday XX/XX/XXXX, I made a phone call to FedLoan customer service to ask what my best approach to my school loans at this time would be. This is how I was made aware of the deferment on my account and with no reason why. I asked about my loans being removed from credit and the representative stated, that is not accurate information, after 7 years only late payments fall off. I asked how long a wait would be on a Borrowers Defense Application and received an answer of over a year. FedLoan as a company has made it hard to move forward, be knowledgeable about account information, and has failed as company to keep me updated on my own information. Per credit bureau, after 7 years, a school loan does fall off your credit your report. Customer service should not be stating inaccurate information to current students, customers, members or whomever. After receiving the dispute results, I sent a certified letter to FedLoan, and only received a signed certified tracking card back. I waited 30 additional days with no payer correspondence. Again, I am asking for just the school loan to be removed from my credit report. Thank you.
Company Response:
State: FL
Zip: 32507
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I received an unexpected recount of XXXX XXXX counts on XX/XX/XXXX that I do not fully understand. The date of my estimated eligibility for XXXX is now further in the future and instead of having 2 estimated dates for forgiveness, I now unexpectedly have 3 estimated dates for forgiveness when I believe nothing has changed on my account since I was last informed of my estimated dates for XXXX forgiveness back in XX/XX/XXXX. For example, in XX/XX/XXXX, a letter indicated that I made XXXX XXXX Eligible Payments or XXXX XXXX Qualifying Payments on Loan Sequence 1, giving me an estimated XXXX eligibility date of XX/XX/XXXX. In XX/XX/XXXX, I received a letter indicating that I made XXXX PSLF Eligible Payments or XXXX XXXX XXXXualifying Payments ( both of which indicate a higher number of payments being applied/eligible to be towards XXXX ). Despite the fact my payment count is higher, my new estimated eligibility date is XXXX/XXXX, 6 months later than the letter originally sent in XX/XX/XXXX. This does not make sense - making additional qualifying payments towards XXXX should not push the estimated forgiveness date further into the future. The same issue affects every loan sequence. Loan sequences with an original estimated eligibility date of XX/XX/XXXX now list an eligibility date of XXXX/XXXX, with the exception of several cases ( loan sequences XXXX, XXXX, and XXXX ) originally listing an estimated eligibility date of XX/XX/XXXX, but now listing an eligibility date of XXXX/XXXX ( instead of XXXX/XXXX like the change made to the loan sequences 1 and 2 originally with an estimated eligibility date of XX/XX/XXXX back in XX/XX/XXXX ). Loan sequences with an original estimated eligibility date of XXXX/XXXX, now list an eligibility date of XXXX/XXXX. This does not make sense. I do not understand why my XXXX eligibility is being pushed further into the future when my payment count has been increasing. Additionally, I do not understand why Loan Sequences 6, 8, and 10 now differ from Loan Sequences 1 and 2 when they previously did not differ. I would like an explanation as to why a ) my estimated dates for XXXX forgiveness are now further in the future and b ) why the estimated dates for forgiveness now differ between loan sequences 1, 2 vs. loan sequences 6, 8, 10, when there was no difference between these two groups in XX/XX/XXXX.
Company Response:
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The alleged debt has been sold without my permission and without the production of a new contract. You willfully sold this alleged debt and I have no contract with the debt collector you sold the account too- this is fraudulent activity. 18 USC 1028 ( a ) ( 2 ) states Whoever, in a circumstance described in subsection ( c ) of this sectionknowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority shall be punished as provided in subsection ( b ) of this section. The punishment for this offense could be a fine or imprisonment according to 18 USC 1028 ( b ) ( 1 ). There is no way anyone should have my social security number or any identifiable information. You DID NOT have my permission. This is IDENTITY THEFT & against federal law.
Company Response:
State: MO
Zip: 64063
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: All i want is my account to be updated on the payments and verify my employer which i have submitted to them many of times. Just submitted one in XXXX. There is the new thing to come out which your payments do not have to qualify for the income driven payment. to qualify for the loan forgivness program now. I have also submitted to them proof i work for a state run medical hospital for 10 years. So that should have a great impact on my loan to be dismissed or not many payments left.
Company Response:
State: OK
Zip: 74804
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX I consolidated my loans in order to be eligible for XXXX. I was on track to accrue XXXX PSLF payments in XX/XX/XXXX. The Fedloans representative I called specifically told me that some of my loans were already direct loans and did not need to be consolidated in order to qualify for XXXX. The Fedloans paperwork and website made it difficult to see which loans were actually accruing XXXX payments, and it took me several years to realize that some of my loans were not accruing XXXX payments. I was devastated. Dealing with Fedloans was so awful and frustrating that it made me physically ill. In XXXX I was told by FedLoans on the phone and in writing that my only option was to consolidate those remaining loans and start over with XXXX. Because Im on an income-based plan when some of my loans accrue XXXX PSLF payments in XX/XX/XXXX, my monthly payment will still be based on my income and will not go down until the remaining loans accrue XXXX payments in XX/XX/XXXX. I was hopeful that the XXXX waiver would correct the situation. Fedloans has continued to be difficult to communicate with, slow to reply, and unresponsive when replies do come. I have been paying all of my loans on income-based plan since XXXX while working for PSLF-eligible government agencies. The payments I made between XXXX and when I was forced to consolidate again in XXXX should count so that all of my loans- all which I have been paying the whole time on income based plans while working for eligible employers - accrue XXXX payments at the same time. FedLoans has failed to be a decent and honest servicer, and I am now extremely worried that the XXXX waiver will also fail to correct the damage caused by FedLoans failure to provide accurate information and unfair practices. Thank you very much.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I can not get ahold of fed loan servicing.. I have tried several times since XXXX of 2021 to call but I end up on hold for hours. And their call back option isn't working it just takes you back to the main menu. I have also emailed them several times with either no response or several months later a response with just general information. I have also sent a letter with no response. I have tried to pay my loan being since last XXXX since I got married I wanted to go off of deferment and pay it and tried several times but the payment never came out. I have written down the names of the people I talked with who were very friendly but nothing was ever done. Also every time I call I get different information then I did the time before which is helpful because it was options that I hadn't been given in the past but why wasn't I given these options earlier. With the changes to loan forgiveness which I was on, A lot of my loan should be counted when it wasn't in the past and even months that I was on loan forgiveness paying automatic payments there are 6 to 9 months where they aren't counting and they aren't saying why. I filled out a new application and that's how I found out that information but I can never get ahold of anyone to find out reasoning behind this. I have requested for them to call me back and ask the questions but I never get a response. I just want someone to call me back so I can get this resolved. I know they're busy and shorthanded and they're not going to service student loans anymore but I'm not sure what I'm supposed to do and time is running out.
Company Response:
State: WI
Zip: 54481
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I was misguided to enter into forbearance and only finally entered into the Income Based Repayment Program in XXXX. In XXXX the Income based repayment plan was made available and I should have never enter into this instead, which would have significantly reduced my current burden. I have been flagging this issue of being misguided into this step and seeking to retroactively shifting my forbearance status for a long time both in written form and via phone calls, but this has not been possible. However with the changes announced XX/XX/XXXX by the Biden Administration regarding a review of forbearance status in situations where students were misguided, I want to ensure that my records are reviewed as this was exactly my situation. I am about 2 years away from being able to submit my application for PSLF and this review on the months related to forbearance would be pivotal in the process.
Company Response:
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello After speaking with a representative from my loan servicing department to recertify for the Income Driven Repayment Plan process I decided to poke around in my online account with Federal Student Aid. On my dashboard to the left I decided to just look at who my loan servicers were and come to find out it shows that loans were disbursed by four different colleges when I have only attended two in the past. Those two colleges are XXXX XXXX and XXXX XXXX XXXX. The other two colleges that I never attended that equals to the four are XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. On the other hand the four loan servicing companies that are on my dashboard are American Education Services ( AES ), XXXX, Dept of EdXXXX and XXXX XXXX XXXX XXXX XXXX XXXX ). The only two servicing companies I have been in contact with is American Education Services and XXXX. However I haven't really been receiving any emails or updates from XXXX as well either. So literally the only loan servicing company I have been in contact with is American Education Services. I immediately called American Education Services back to find out how I can deal with this scary situation because I have been through identity theft before when it comes to my filing my taxes. With that situation on my taxes I had to go through an investigation before I can even receive my tax return refund which was overbearing and stressful as a single parent. I contacted the financial aid department for XXXX XXXX to verify if any loans were disbursed and if so to please send all the information required on any loan disbursements. I spoke with XXXX XXXX in the Financial Aid office at XXXX XXXX and was advised that everything was cancelled on XX/XX/2005 and no loans were disbursed. I also contacted the financial aid office for the XXXX XXXX XXXX XXXX but for some reason its hard to get in contact with them and your on hold for a very long time. For my online account with Federal Student Loan it shows that I have three different types of loans. 1. ( 2 ) Consolidation Loans : {$25000.00} ( Income Base Driven Repayment Plan Completed On same submission date for this dispute XXXX ) 2. ( 8 ) Subsidized Loans : {$9200.00} - ( this is the only total amount showing on my credit with XXXX XXXX ) 3. ( 2 ) Unsubsidized Loans : {$0.00} 4. Total Balance : {$34000.00}
Company Response:
State: FL
Zip: 33714
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I recently received an update to my eligible payments under XXXX. XXXX payments from XXXX have been marked ineligible without sufficient explanation. When I attempt to call, it is dropped. Chat is unavailable, and email gets a copy/paste response. I am a XXXX XXXX teacher, teaching for XXXX years. I consolidated into XXXX XXXX XXXX years ago.
Company Response:
State: CA
Zip: 95008
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A