Date Received: 2022-03-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: FEDLOANS are illegally reporting negative payment history to the three nationally recognized consumer reporting agencies XXXX, XXXX, and XXXX. By doing so my consumer rights are being violated and pursuant 15 USC 1681a ( 2 ) ( A ) ( i ) and 15 USC 1681a ( e ). The late payments were never supposed to be reported. Pursuant 15 USC 1681b ( 2 ) I do not give consent.
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I applied for loan consolidation and selected XXXX XXXX as my loan servicing company. We discussed public service loan forgiveness but was not sure if I qualified because I worked through registry XXXX XXXX XXXXXXXX and also XXXX and XXXX XXXX XXXX XXXX and I also worked in rural XXXX XXXX XXXX and in rural XXXX in XXXX Most of the time I had not made consistent payments and even when I asked for confirmation from my registry I never received a response. I told the agent at XXXX XXXX that I may not claim past public service because I was not able to go back and trace my prior managers to get them to sign as I do not have the money nor the time to travel and accomplish all of this. I went ahead and filed for loan consolidation with XXXX XXXX. I never received confirmation and when I followed up I was told by XXXX XXXX that they never received my application so I contacted Studentaid.gov and was told that Fedloan was my servicer. I was very distressed to find out that they assumed my loan. I do not want them. I was told that they will cancel my loan but I never written confirmation that they will do that. I resubmitted a paper application and uploaded it to XXXX XXXX for loan consolidation. I want to make sure that Fedloan DOES NOT assume handling of my loan. Fedloan has poor customer service and I do think they are diligent.Each time I call with a problem I stay on hold more than 30 minutes and they never provide written confirmation of anything. I want Fedloan to cancel the loan consolidation so that I can consolidate my loan through XXXX XXXX. I WILL NOT be applying for public service loan consolidation at this time. Therefore, there is no need for Fedloan to service my student loan.
Company Response:
State: CA
Zip: 90041
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am in receipt of your letter dated XX/XX/XXXX. The following is my response along with the attached Identity Theft Report from the FTC : American Education Services ( AES ) is defined as a debt collector pursuant to 15 USC 1692a ( 6 ) by 1. compiling and designing a deceptive form called a FAFSA and 2. defined under 15 USC 1692a the term debt collector means any person who uses any instrumentality of XXXX XXXX or the mails in any business the principal purpose of which is the collection of any debts or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. It is a fact AES is participating in interstate commerce, provided a FAFSA ( free application for federal student aid ) and is participating in the collection of any debt. The form was deceptive and its null and void. I, the consumer have all CFPB records and all mailing evidence providing the alleged debt was never verified. The consumer reporting agencies have removed this alleged account from my consumer file due to not being able to verify it and/or identity theft. FCRA 1681c-2 is the law that governs identity theft. I mailed a notarized Affidavit on XX/XX/XXXX to AES that stipulated failure to Cease and Desist shall be evidence that American Education Services intends to be guilty of the aforementioned crimes and more ( reference the Affidavit ). By failing to meet all of the stipulations required in the Affidavit, AES ' full agreement through tactic acquiescence was and is that there can be no case, collection, or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks, P. 2d 257 260. There shall be no reporting or any attempts to collect this alleged debt.
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Submitted XXXX application XX/XX/XXXX. Was told 30 days to process. Called multiple times to check status. Was told its taking longer. Received letter today and over XXXX payments are missing form their accounting. Spent an hour on hold. Promoted to press 1 to get a call back. When the call came two hours later, it was just an automated system telling me I missed their call?! I get back on hold for THREE MORE hours. Finally get a human being and Im told they cant help. Only dept of education can count the payments on XXXX waiver. Which is a lie. This loan servicing company is NOT following the federal waiver. Theyre purposely dragging their feet to postpone having to waive loans. They are impossible to get on the phone and dont return calls or emails.
Company Response:
State: PA
Zip: 18914
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I received a letter recently from my student loan servicer ( XXXX ) that they were selling my loans to another company who has contracted with AES to service the loans. That action is straight forward enough. My complaint is not why the transfer is happening, but how it is happening. 1. I was notified not even two weeks before this would happen. 2. The letter says that I should begin sending my payments to AES immediately after the loan transfer on XX/XX/2022. But there is no indication about how I am to do that. Further more, if you have direct deposit set up, it says that your payments will transfer to the new servicer for 90 days. And then it says you must set up direct deposit with the new servicer by a certain date. But again, how do I do that? And why wouldn't all of that just happen automatically? Why would I have to do anything at all? Asking borrowers to do anything at all in this transfer is wasteful, extremely negligent, and error prone. Again, this is negligence in its purest form. The consequences will be heavy for borrowers, both from a time standpoint, a credit profile standpoint, and a financial standpoint. This transfer is not well thought through, and borrowers will pay a heavy price.
Company Response:
State: UT
Zip: 84123
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Fedloan advised me in XXXX and XXXX I had to recertify my loans otherwise it would mess up my payment counts. I recertified my loan. XXXX, this was incorrect. Die to the administrative forbearance I did not need to recertify by XX/XX/2022 because I had an additional year at the lower payment. Fed loan processed my recertification XXXX and my payment went up by over {$300.00}. I am a XXXX single mom and I do not have that kind of money. Plus, Fed loan was not honest when they stated my loans had to recertify by XX/XX/2022 when in fact I had a year like everyone else. I want my monthly payment to go back to the previous amount of {$99.00}. I am being penalized for Fed Loan 's incorrect information.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am on an Income Driven Repayment ( IDR ) plan. I recently learned that due to the forbearance I was not required to recertify my income information to Fedloan. I received emails from Fedloan asking me to recertify my IDR, so I did, causing my payment to increase. I need this to be revoked as I can not afford the new calculated payment. Contacted fedloan on XX/XX/18 and was told that they couldn't revoke my last IDR certification but would put in a request.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Forbearance months should count towards the XXXX waiver! I was on XXXX for years with a XXXX monthly payment that shows up as you do not have a bill for this payment period. I was told these would count towards my XXXX payments for forgiveness but now they are saying it wont. Myself and thousands of others are going through this many who were asp put into forced Forbearance due to being schools but still were making payments that now wont have those payments counted. This is ridiculous! The amount of hardships these loans have on the lives of Americans is atrocious! These are the reasons many people are so hesitant about furthering their education because you spend the rest of your life paying back loans and to be two times and taking advantage of my the department to education is completely unfair! Please fix this!! Forbearance should count!
Company Response:
State: NJ
Zip: 08330
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: AES / XXXX or XXXX was removed/deleted from my XXXX and XXXX credit report because of inaccurate reporting. They were using the name PHEAA before being removed on XX/XX/XXXX. XXXX allow the company to change the name to AESXXXX and continue to report negatively on my credit report. I have spoken to the company several times and they have indicated they are not reporting this information. However, it remains on my credit report for XXXX under a name I never done business with. XXXX XXXX XXXX has reported I owe {$690.00} for an account open XX/XX/XXXX. Currently, its reporting negatively as of XX/XX/XXXX. I have ask for documents from this company with my signature or information they not sent me anything proven this is my debt. They are a collection agency reporting on my XXXX credit report. Upon disputing it with them and XXXX they are unable to prove its my debt. XXXX XXXX XXXX XXXX is reporting a hard inquiry dating back to XX/XX/XXXX. I never had any dealing with this company.
Company Response:
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I recertified my XXXX plan in XXXX XXXX based on a notice from FedLoan Servicing ( I have attached this notice to recertify ) ; my payments jumped by nearly {$130.00}. I did it again in XXXX XXXX, because I would get an alert every time I signed into the Federal Student Aid website that it was time for my annual recertification. ( I don't have a notice to attach because it's an alert from XXXX on their webpage ) On XXXX XXXX, XXXX, XXXX informed me they had processed the XXXX and my total monthly payment would be going up by a few dollars. ( Because I am on PSLF track, I wanted to be proactive and not have any hiccups when XXXX transferred my loans at the beginning of the year to whichever new servicer and to make sure I was on an XXXX plan as the XXXX XXXX email from XXXX said I needed to be to continue to be PSLF eligible. ) But after getting notice from XXXX about my new total in XX/XX/XXXX, I keep getting notices from XXXX website that I needed to recertify! Every single time I signed in. So in early XXXX, I contacted the XXXX website to ask them why they keep giving me notices that I need to recertify if I had done this and it been processed. ( I even got one today when I signed in! ) The conversation was not positive ; the representative told me that XXXX receives notices from the various servicers and XXXX just posts them to our account ; furthermore XXXX never receives notifications from servicers when an XXXX has been processed and updated! This lack of communication between XXXX and servicers and their blind posting of alerts without vetting them is worriesome. ( I do have this chat to attach to show that XXXX gives me notices to recertify ) But today, I see this on the Department of Education website : Already on an XXXX Plan Were you on an XXXX plan before the payment pause began? If so, you will stay on that same plan when payments restart ( unless youve changed repayment plans since then ). Recertification Deadlines You wont be required to recertify before payments restart, and the earliest you could be required to recertify is XX/XX/XXXX. So I looked into this online, and I saw numerous social media posts of folks who have learned the same thing, and have contacted their servicers in an attempt to get their pre-pause monthly XXXX total put back in place. A few have been successful, but most have not. Even when I was text chatting to the XXXX representative at no time did she say that I didn't need to have recertified! So, I contacted XXXX today and told them about how the XXXX website says that if you are on an XXXX when the pause began, you dont need to recertify until XXXX XXXX, and that I wanted the previous XXXX XXXX XXXX of XXXX XXXX and XXXX XXXX to be removed and revert me back to my previous payment total as of XX/XX/XXXX when the pause began. I told her that XXXX and XXXX had sent me notices all throughout the COVID forbearance pause that I need to recertify and so I had. However, she told me that the new XXXX is irreversible because there were notices that I didn't need to recertify but I did ; however she put in a request to have my request reviewed anyway. XXXX does not give good notices. Take a look at the XX/XX/XXXX, letter I attached that says you need to recertify. It gives the link ( XXXX XXXX for additional information. When you enter that link, it redirects to ( XXXX XXXX XXXX XXXX Go there and take a look at that page on FedLoan Servicing 's website. Absolutely nowhere does it state that you don't have to recertify right now as a result of the Department of Education 's recent policy. It's not listed anywhere. In fact, it clearly says in bold type " you need to submit a new request and income documentation every year. '' And it also has a window with a Yield Warning Sign with an Exclamation Point- in Yellow - telling me the consequences of not recertifying. Then, you can clink on the link at the bottom for their IDR FAQ : XXXX : XXXX XXXX XXXX XXXX Clicking on that takes you to a long list of FAQs, one of which is " Do I have to recertify? How often? ... '' No where in that answer does it state you don't have to recertify right now because the Department of Education has put that on pause. So, XXXX is STILL posting on its website that you need to recertify as part of the XXXX program, but that is categorically not true. Now, XXXX does have a lot of warning links when you first sign in that re-route you back to the XXXX site to answer more questions, but I feel I shouldn't have to be re-directed off my servicer 's site to find information that I don't need to recertify when every single mention of XXXX on my servicer 's site currently still says in warning colors and warning graphics that I need to do it. So I dont understand how XXXX and XXXX can proceed to give me notices throughout the pause that I need to recertify when I did not have to. On the part of XXXX they have posted no clear communication or alerts that XXXX says I don't have to recertify, and now claim it's " irreversable ''. How can that be permitted to do this? ( And as far as XXXX is concerned, they're still posting alerts today that I need to recertify! ) I don't know if this policy is only a recent XXXX decision, but even if it is I feel XXXX should apply retroactively. All through the COVID-forbearance pause, I was diligent about my student loans. A borrower like myself who stayed on top of things has had their monthly payments going up and locked in and " irreversible '', but those borrowers who chose to ignore the erroneous recertification notices get to kept their XX/XX/XXXXmonthly total for the next 18 months? I feel XXXX gave me no notice throughout the pause that I didn't need to recertify, and if it's only a recent policy then XXXX is still not giving proper notice that borrowers don't need to recertify. Regardless of this is a recent development or one that's always been there and XXXX and XXXX provided me misinformation, is there anything you can do to help me get my former XX/XX/XXXX, pre-pause payment re-instated?
Company Response:
State: TX
Zip: 76053
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A