Date Received: 2023-07-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On numerous occasions throughout the years, I have reached out to my servicer to understand my loan program as well as how interest accrues and was never provided with the correct information or put on the correct program. My loans continued to accrue interest when i was told that they would not. My balance increased on the back end even though i qualified for XXXX or minimal payment based on employment status and income.
Company Response:
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: We have included a detailed explanation of the history of our student loans below, and where the institution holding that loan, PHEAA and its servicer, AES, have violated student loan and financial regulations. In addition, XXXX, the original loan holder, has not passed on to AES key documentation. For ease of understanding, we have included a summary below : 1. When we received the Master Promissory note for consolidating our previously consolidated loan with AES/PHEAA, we were told by representatives of AES/PHEAA that only one spouse was needed to sign the Master Promissory note. We have since learned that both spouses should have signed the note because the loan was jointly held by both spouses. 2. Our current loan servicer ( AES on behalf of PHEAA ) no longer has the Master Promissory note from our previous loan servicer XXXX XXXX XXXX that should have been part of the documentation when we consolidated our loan. XXXX is no longer in business and can not supply that document. 3. As a consequence of these mistakes by AES/PHEAA, we may not be able to separate our loans into two loans, one for each spouse, as allowed for in the recently signed Joint Consolidation Loan Separation Act. Without separation, we will not be able to take advantage of the Department of Education programs for loan forgiveness. 4. As a remedy, we are asking AES/PHEAA to allow us to resign the Master Promissory note with both spouses signing. We also ask them to produce the original loan consolidation Master Promissory Note that they should have received from XXXX when taking on the loan, or else be required to forgive the loan for lack of proper documentation. Here is a more complete history for context : My wife and I consolidated our student loans with a private company called XXXX under the now defunct Spousal Consolidation program in XXXX. This consolidation took both the several student loans taken out by XXXX XXXX and the several taken by XXXX XXXX into XXXX joint spousal consolidation loan, with join responsibility. However, the Master Promissory Note from XXXX is missing and they can not produce it. In XXXX, we re-consolidated the now one loan to AES/PHEAA in XXXX to get a lower interest rate. We were told the only option for reducing our monthly payments was to reconsolidate into another loan ; we were told we could not qualify for any other repayment program, including any of the federal XXXX payment programs ; when creating the new MPN for this reconsolidation, XXXX illegally dropped my spouse 's name - XXXX XXXX XXXX from the MPN and therefore the loan was not issued with her documented consent. At no time were we informed that this reconsolidated would result in not holding a JSCL. We have since learned that this guidance was in violation of the regulations guiding the transfer of spousal consolidation loans, and that both spouses should have been required to sign the Master Promissory note. Recently the Federal government has signed the Joint Consolidation Loan Separation Act, signed XX/XX/XXXX, which would allow us to separate the loan back into XXXX loansone for each spouse. We need resolution as soon as possible to understand how to separate or reconsolidate our loans to qualify under the current waivers for XXXX and XXXX. As a consequence, we would, separately, be able to take advantage of loan forgiveness programs created by the Department of Education. However, in consulting with the Department of Education, we have been told that unless the Master Promissory note contains both spousal signatures, we will not be able to take advantage of loan separation. In addition, we have been told that even with this Master Promissory note, we may have difficulties without the original promissory note from XXXX showing which loans were part of the original consolidation.T We have contacted AES/PHEAA and they have not been able to produce the original promissory note from XXXX. In addition, they have not offered to allow us to resign the Master Promissory note with them so that both spouses are included.
Company Response:
State: OH
Zip: 45140
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: IN
Zip: 46218
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have attempted to reach AES regarding loan name change. I feel like I'm being forced to submit documents of an updated name changes as if I had legally changed my name in the past. AES continues to request for me to provide my social security, Driver Licenses or etc. I am refusing to do so because that it's an admission that at some point I did go by that name XXXX or XXXX . I have not. I feel as though my rights continue to be violated because they accepted a predatory loan from XXXX XXXX. AES has yet to provide me any documentation where I provided XXXX XXXX with a legal name change. The only documentation I have been given is a promissory note that indicates XXXX . XXXX or XXXX was never my legal name from XXXX XXXX XXXX . As I've stated before it is the legal duty for the lender to ensure that proper documentation is given regarding the correct name. I believed I have been misinformed to obtain pricier repayment terms and misleading me about federal loan forgiveness programs. However, I can not participate in loan forgiveness program because my name does not match. Nor, can I create a online account because my name does not match. The lenders had a legal and ethical obligation to disclose all information about a loan to me and informed me that having a unauthorize last name on my account will prevent me from being able to participate in some forgiveness program and inability to access my account. I find that the lender and AES was reluctant to provide me with a full loan disclosure, consider that I sign with my legal name only birth name. AES then used unscrupulous methods against me with hard credit check and false reporting me to credit bureaus, although I was making on time payments and was never late. Their actions were abusive. If it was not for a worker ( Supervisor XXXX ) stating it was not the US Postal Services that provided AES with the fake address, but XXXX ( skip traces credit system ) Never heard of this credit company until XXXX. This information was revealed on XXXX XXXX disclosing the measure they used against me after numerous calls, I would have believed that I was a victim of identity thief. I even took off work and was ready to make a police report until this action was revealed. What was even more alarming was AES alter my account without my knowledge before they even received returned mailed and did not inform me, they were altering my account without my permission or knowledge. AES did the updating independently because they wanted to do so. After, numerous cascading letters and emails only to update my address back to what it was. No American should experience such aggressive, abusive, tactics and not understand the full score why such retaliatory actions being taking place against them. Now I have to fight to restore my credit after the hard credit reporting.
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: My loans were serviced by FedLoan, the former loan servicer of the Public Service Loan Forgiveness ( PSLF ) program. I was accepted into the PSLF program in XX/XX/XXXX. My student loans were transferred from XXXX XXXX XXXX XXXX to FedLoan. In XX/XX/XXXX my loans were discharged because of meeting the 120 payments. Before the loans were discharge, I requested that all my payments made during the COVID19 period be refunded to me. The request was made in XXXX of XXXX from the FedLoan servicer. This includes payments that I made to XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. The amount I'm to be refunded is {$15000.00}. On XX/XX/XXXX I tried to confirm when I would receive the refund. When I went to login into the FedLoan website I was redirected to the Federal Student Aid ( FSA ) site. After speaking with a customer service representative at XXXX, the current loan servicer of the PSLF program, and Federal Student Aid I learned my case has been closed due to my loans being discharged and XXXX. I placed a complaint on XX/XX/XXXX the Federal Student Loan is Feedback Case XXXX XXXX. The case is still pending. I have placed repeated calls with FSA and have not received a callback. I have called FSA on the following dates below and have not been able to get the problems resolved. I have been given the wrong information or promised a callback from a manager. I also complained to the FSA Ombudsman group and never got a callback. XX/XX/XXXX submitted feedback complaints XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I called them on the phone all three credit reporting agencies, XXXX, XXXX, and XXXX XXXX and I have not had all of these inquiries removed that I did not authorize add explain to them I have not asked for credit in 14 months. Why do I have all of these inquiries, please remove them they have not done so and I do plant to buy a home when the rates go back down and home prices drop I want to be prepared and these inquiries are not mine or authorized
Company Response:
State: MI
Zip: 49037
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I called AESXXXX years ago to have the account removed from my credit report because it was paid off on XX/XX/2012. They said I had to wait XXXX years for the account to fall off of my report. XXXX years later, my credit scores ( XXXX and XXXX ) are still being negatively impacted by this account. I tried to dispute the account with XXXX recently. They said because I disputed the account, the clock will start over and the account will remain on my report for another XXXX to XXXX years.
Company Response:
State: NJ
Zip: 08109
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: *** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( XXXX ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. My only first and last name are : XXXX XXXX. My only address is : XXXX XXXX XXXX, XXXX CA XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth. I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau. RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( XXXX ) by Original Creditors on my XXXX, XXXX and XXXX XXXX XXXX. -- - To Whom It XXXX Concern, In the course of recently screening my personal XXXX credit report,? I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX. The inquiry was not authorized -XXXX / XXXX XXXX Date of inquiry : XX/XX/XXXX, Please remove this inaccurate information from my credit report. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX - Please remove this inaccurate information from my credit report. -XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. _____ XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX / XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX / XXXX XXXX XXXX - Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX Account XXXX : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX- Account XXXX : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY ACCURACY OF PAYMENT HISTORY AND INCORRECT REPORTING OF " LATE PAYMENTS '' ON THIS ACCOUNT. PAYMENT WAS NEVER LATE : XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY ACCURACY OF PAYMENT HISTORY AND INCORRECT REPORTING OF " LATE PAYMENTS '' ON THIS ACCOUNT. PAYMENT WAS NEVER LATE : XXXX XXXX Account XXXX : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY ACCURACY OF PAYMENT HISTORY AND INCORRECT REPORTING OF " LATE PAYMENTS '' ON THIS ACCOUNT. PAYMENT WAS NEVER LATE : XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY ACCURACY OF PAYMENT HISTORY AND INCORRECT REPORTING OF " LATE PAYMENTS '' ON THIS ACCOUNT. PAYMENT WAS NEVER LATE : XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity XXXX. PLEASE VERIFY ACCURACY OF PAYMENT HISTORY AND INCORRECT REPORTING OF " LATE PAYMENTS '' ON THIS ACCOUNT. PAYMENT WAS NEVER LATE : XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity _________ I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( XXXX ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my XXXX credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified XXXX XXXX compliant reporting more over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you XXXX, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required. To that end, further, I am also requesting that they remove any and all of my personal information from their records. The last XXXX of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
Company Response:
State: CA
Zip: 91010
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I was duped into getting a spousal consolidation loan. I was told that my wife and I could combine our federal student loans into one and save some money. I was NOT informed on how that would strip away all the benefits of the federal loans they used to be. I have discussed many issues with this loan with the 3 entities that supposedly own this loan ; PHEAA, AES, and now XXXX. I was denied many times the same forgiveness program that others have gotten to enjoy which is the teacher forgiveness program and government employee forgiveness program. When dealing with PHEAA and especially AES their customer service reps are RUDE and hateful. I recently went on my AES website because I was concerned that after 20 years of paying on this loan, the balance has barely dropped!! The amount I have paid in total on this loan is almost {$120000.00}!! ( see screenshot of my account ) The original amount of the loan was {$28000.00} if I remember correctly. It is now {$32000.00} even though I have been paying {$350.00} /mo for the last 9 years. I am sick and tired of this. I have paid MORE THAN ENOUGH on this loan and it needs to end!!
Company Response:
State: CA
Zip: 91786
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: PHEAA changed the interest rate on 2 loans back in XXXX of 2023 to the following : XXXX at 8 % and XXXX at 7.99 %. Then only a few months later effective XXXX of 2023, the following interest rate modification was made : XXXX at 8.5 % Keep in mind also that PHEAA failed to alert me of the change until after it went into effect, which is extremely concerning. This will be another complaint filed with several different agencies who oversee PHEAA 's operating capabilities. PHEAA/AES are doing this because I keep submitting complaints against their XXXX and they are trying to essentially get back at me for doing so. They will respond to this complaint and claim that it has something to do with periodic variable interest rate changes, but I find it convenient that because the amount of complaints have increased over 2023 that there have been 2 interest rate changes that favors PHEAA and in such a short time span. PHEAA discriminates against borrowers in all capacities. If a borrower makes a complaint, PHEAA uses that as a means to find and establish retribution.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A