Date Received: 2022-03-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This loan has never been late. I was either a XXXX XXXX XXXX or my loans were in deferment.
Company Response:
State: MT
Zip: 59105
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX XXXX when finishing XXXX school I was misadvised on best repayment strategy by XXXX XXXX. They advised leaving loans in deferment and focusing payments on high interest loans rather than consolidating and starting pslf. This wrong strategy/advice has cost me several extra years of payments. See dept of education complaint XXXX XXXX XXXX : XXXX
Company Response:
State: MA
Zip: 02130
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: In XX/XX/XXXX, I received communication that I had to renew my IBR before XX/XX/XXXX to be eligible. Around XX/XX/XXXX, I submitted annual recertification through the AES website which they sent me a letter on XX/XX/XXXX that I would have to pay {$10.00} every month based on my income. In XX/XX/XXXX, I submitted new certification documentation because my income was absolutely XXXX because I would no longer receive unemployment which was my income at the time. So for XX/XX/XXXX, they send me my IBR approval request of {$0.00} but are still charging me the {$10.00} for the original plan which I contacted them and asked them why? I had never had this issue before and my income had been higher at other points, such as $ XXXX which is more than the $ XXXX XXXX received for my unemployment for that year and my Ibr would always be {$0.00}, so why did this amount change and they said that I had to pay it? Trump had a freeze on student loans which started in XXXX XXXX and President Biden has extended to XX/XX/XXXX, so why did AES take my account to collections for {$10.00} when there is a freeze on student loan payments and since there is a freeze, I wouldnt have needed to submit recertification documentation until after XX/XX/XXXX? This is ridiculous and an insult. I sent in my paperwork on time and the second time as well. It isn't my fault they didnt answer my recert until XXXX XXXX.
Company Response:
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On my credit report it shows that I've missed payments to one of my lenders AES/NAVIENT and that my balance has went up, presumably from missing payments, interest, and possible penalties, though student loan payments are suspended until XX/XX/2022. AES/NAVIENT has never mailed me a statement, either.
Company Response:
State: CO
Zip: 80204
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: My student loan servicer is FedLoan Servicing. I am enrolled in an income driven/based repayment plan and XXXX XXXX XXXX XXXX XXXX XXXX I submitted my XXXX request on XX/XX/XXXX and my repayement recalculation/monthly payment letter was received on XX/XX/XXXX and was calculated at {$900.00}. My wife and I are both enrolled in XXXX and XXXX plans. She found out that on XX/XX/XXXX her pay would be dropped by 20 %. We have XXXX children in daycare. On XX/XX/XXXX I submitted the paperwork to have my monthly payment recalculated as our total income had gone down and we both have student loan payments each month. On XX/XX/XXXX I received my recalculation letter and payment had infact went up to {$1300.00}. The following day XX/XX/XXXX I received another recalculation letter stating my monthly payment had gone up again to {$1400.00}. The same day ( XX/XX/XXXX ) I again submitted my paperwork to have my monthly payment recalculated because clearly mistakes were being made. On XX/XX/XXXX I received an e-mail notification that my recalculation request had been denied, but they would send a letter detailing why my request had been denied. This is the second time I've had to file a complaint against FedLoan Servicing due to mismanagement, poor communication, and for all around being a terrible loan servicer.
Company Response:
State: AR
Zip: 71901
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This is the letter that I. wrote to the student loan bank. I called the bank and they do not have anything in their records but the reporting agencies still have the info. on their records. I have disputed through them and nothing has changed. XXXX AES/XXXX XXXX XXXX XXXX XXXX, PA XXXX USA Dear Sir/Madam : I am writing to dispute a late payment that was placed on my credit report from AES. I recently started 2 new jobs so I can make enough to endure inflation, exuberant expenses while I pay off my debt acquired by the last 2 years of changes. Your debt is one I plan to pay off this year hopefully. My account was deferred during Covid as my income was reduced tremendously just like the rest of the world. I just started 2 new companies and onboarding 2 new companies is a living nightmare as both positions are full time and production based. My 1st position is as a XXXX XXXX, relies heavily on my score to maintain my license to work. If my score drops, I could lose my license and the ability to pay off my debt. The second position as a XXXX XXXX XXXX has a huge learning curve for me. If you send emails, I may have missed them as I get a lot of emails on my personal inbox and do not have the proper time to go through all of them as well as 2 other inboxes for each employment and they are all bombarded with emails. Furthermore, I did not receive proper notification that the account was out of forbearance or even late which I believe is in violation of the fair debt collection practices act. When I got notification on my credit reporting app that my score plummeted from XXXX to XXXX a XXXX point drop! I almost had a heart attack because of 3 late payments, I immediately checked and noticed it was your institution. I signed on to your site and noticed you still had old contact information which I have updated in the past and updated again this time around. I am not sure why it remains on your records. The reason for such a big drop is because my AES account shows 3 late payments but I only have one account with 3 loans. I have been working very hard to maintain a 100 % payment history throughout the whole covid. My scores were soaring in the XXXX by XXXX and dropped as I had to switch positions and use more of my credit during the transition, still my payment history was intact. Regardless of my life changes my score has never been this low ever since my divorce 10 years ago. I am requesting that the charge be removed as I have updated the account, paid all late fees and set it as automatic payments until I can pay it off. I can not afford to lose my license and my ability to pay my debt because of this mistake. Going back to one job will put me and my single parent household family in a bad position financially. I really appreciate your help with this matter and your time investigating your records and rectifying this reporting issue. I have included proof of how this is affecting my credit and the dispute form. Thank you for your assistance with this problem! Yours sincerely,
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made a loan payment of {$800.00} to FedLoan servicing on XX/XX/2022. This payment has been " processing '' since then and my loan servicer is now another provider ( XXXX XXXX I have tried calling and emailing FedLoan and can not get ahold of an agent.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: DEBT WAS PAID UP. DEPUTE THESE ITEMS AND WAS PAID. [ FED LOAN ]
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I NEED HELP PAYING MY STUDENT LOAN
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am a student loan borrower that is eligible for the Public Service Loan Forgiveness Program ( PSLF ), with loans serviced thought FedLoan. I will have been working in public service through a 501 ( c ) entity for 10 full years at full time in XX/XX/2022. As payment counts are being updated through the PSLF waiver and expanded TEPSLF program, dozens upon dozens of people have been reporting online that many of their hardship forbearance or deferment months when no payments were made have been included in their updated counts and are either bringing them closer to having their loans forgiven or are already having their loans forgiven. On the other hand, many ( myself included ) are hearing from FedLoan that those forbearance months DO NOT count and have not had them applied to our official qualifying payments. I have been documenting each instance of the opposite happening - of borrowers having zero payment months under forbearance or hardship counting.
Company Response:
State: NM
Zip: 88011
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A