Date Received: 2022-03-16
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My name is XXXX XXXX. Im writing you in regards to financial aid I didnt receive but the school is stating I received these funds. I did register in XXXX of XXXX and I believe the first disbursement was XX/XX/XXXX. The school I was attending which was XXXX XXXX XXXX XXXX disbursed my first payment and I received it but soon as I did I stop attending right after. On my paperwork I just discovered it showed I was withdrawn and next to it was showing code 51 for reason. As of last year I started working on my credit and couldnt understand how I owed over XXXX XXXX dollars in financial aid when I did not receive that amount. I started investigating on my own an saw my financial aid application was showing two disbursement. One in XX/XX/XXXX and the other showing XX/XX/XXXX. I cant understand if I was withdrawn how did I register for the next semester. Also how I passed my class in fall when I only attended a few online classes until I received my disbursement. The school has committed fraud against me or it could be an error but the fact they wont give me proof where those disbursement went is telling this was intentional. I look into old bank statements couldnt find anything. I also was told by XXXX that school received those funds and sent them back to XXXX but now the school is telling me I received the funds. They advised me to reach out to you to request information where those funds went but soon as you can get me what I need it will prove I didnt get that second disbursement in spring of XXXX. I hope I can get what I need to prove Im telling the truth but knowing how the school acted Im already assuming this wont be much help but at least it will be on the record. I need XXXX XXXX to prove they sent me those funds. Either a deposit or check. If you need to reach me you can by email or my cell XXXX. Ive been at my address XXXX XXXX XXXX XXXX XXXX AZ for 9 years. If they needed to contact me they could have. So every sign is telling me the school has done this to me and others. I really hope to get this matter resolved before it becomes bigger than it is. All Im requesting is that the school provides me with proof they sent those funds in spring of XXXX to me either with a check or deposit. If I owe it Ill pay but I know I didnt receive those funds. I have attach my XXXX and XXXX tax return. I filed XXXX that I attended school and for XXXX I didnt so I didnt file. I know I need proof but its hard to prove something you never received so Im giving you all I have. When I attended I attended long enough to get my first disbursement. I enrolled in online classes and I completed a few and I mean a few. This school didnt withdraw me until XX/XX/XXXX although I stop in XXXX of XXXX. They where passing me just to receive the financial aid money. How sick is that I guess its normal seeing no one has any intentions on helping me. I really hope someone here will.
Company Response:
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I completed the process to receive PSLF in XXXX 2021 and received a letter stating I would not receive credit for my previous loans payments if I consolidated. I qualify under the new waiver, but did not continue with the consolidation because of this letter. After researching, I know the letter had incorrect information that kept me from continuing my process to receive PSLF. I now have to start the process all over again and contact my service providrs to see if I can still consolidate because FedLoan sent me incorrect information.
Company Response:
State: TX
Zip: 764XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: AMERICAN EDUCATION SERVICES broke the law. On XX/XX/XXXX I filed an FTC Identity Report. On XX/XX/XXXX I sent AMERICAN EDUCATION SERVICES a Cease and Desist Letter and Validation of Debt Letter. It was received on XX/XX/XXXX. I asked for specific demands in the Cease and Desist Letter that AMERICAN EDUCATION SERVICES did not comply with, violating 15 USC 1692c ( c ). The demands included the elimination of the account in question from their record, discontinuing and retracting reports to any and all credit reporting agencies and ceasing any and all communication to me about the account and debt in question. I am still receiving emails that are asking for payments and trying to collect a debt on the account in question while in the litigation period ( all proof attached as well as the attached Exhibits labeled F, G and K- also referenced in the Affidavit of Truth I sent them XX/XX/XXXX, received XX/XX/XXXX ). I also asked for specific demands in the Validation of Debt letter that AMERICAN EDUCATION SERVICES did not comply with ( attached ). These demands included verification of : the name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount, an explanation showing how they computed the amount, copies of any documentation that proves I agreed to pay the alleged amount, the identity of the ORIGINAL creditor, and confirmation that the account has not crossed the statutes of limitation ( SOL ) period. AMERICAN EDUCATION SERVICES responded with an Application and Credit Agreement which does not clearly and explicitly state any of the demands. Furthermore, this credit agreement is null and void as it is not a LAWFUL contract and does not state the accurate creditor to whom the debt is owed or the identity of the original creditor which is false and misleading representation/identity theft, violating 15 USC 1692e , and also further violates 15 USC 1692g , as well as 15 USC 1602 ( k ) of the Truth in Lending Act and 15 USC 1692f and 15 USC 1692j ( all addressed in the Affidavit of Truth attached ). I am aware that credit is the right granted by a creditor to defer payment of debt or to incur debt and defer its payments- pursuant to 15 USC 1602 ( f ). In conjunction, I am also aware pursuant to 15 USC 1602 ( g ), creditor refers only to a person, meaning not the organization but only a NATURAL PERSON, meaning I, the affiant and consumer, who regularly extends consumer credit, in connection with loans, sales, property and services payable by agreement. The false and misrepresentation is harassment and abuse violating, 15 USC 1692d. Moreover, I am also aware that pursuant to XXXX2 USC 1431 ( a ), banks are borrowers and can not loan. With that being said, any statements I have been sent saying I owe a debt are in fact, billing errors, false representation of payments and unlawful violating 15 USC 1666 ( b ) ( 4 ), 15 USC 1666 ( b ) ( 5 ), 15 USC 1692b ( 2 ), and 15 USC 1692e ( Exhibits A, B, C, D, E, F, G, and K ). ANY payments I have paid were a billing error and unlawfully collected violating 15 USC 1666 ( b ) ( 4 ), 15 USC 1666 ( b ) ( 5 ) and 15 USC 1692h ( Exhibits H, I, J and K ). Further violating 15 USC 1692h, AMERICAN EDUCATION SERVICES continues accepting payments from me during a litigation period. Pursuant to 15 USC 1635 ( b ), all payments made are to be credited back to me. I have also been threatened about late payments about a debt I DONT EVEN OWE, violating 15 USC 1692d ( Exhibits B F, G and K and attachment of most recent payment via email ). This is unlawful and continues to cause me mental, emotional and financial stress. Moving on, I sent an Affidavit of Truth on XX/XX/XXXX, received on XX/XX/XXXX, stating all of these violations and have yet to receive a LAWFUL response. I was sent an Application and Credit Agreement document ( again ), further stating the incorrect Original Creditor. This again is not a lawful response as it does not rebut ALL violations stated in the Affidavit of Truth. In accordance with the Laws of Commerce an appropriate unrebutted affidavit stands as truth and AMERICAN EDUCATION SERVICES consents to all judgements stated in the affidavit. Pursuant to federal law, AMERICAN EDUCATION SERVICES is liable to compensate me for all violations. That is to be done via the invoice that was attached to the Affidavit of Truth ( also attached here ). Now, I noticed that there is an error in the invoice sent. I input the incorrect amount for the finance charge incorrectly. The invoice attached has been updated with the appropriate changes as well as updated with the additional violation charges. In all, AMERICAN EDUCATION SERVICES has been unlawfully violating my federally protected consumer rights and I demand this account in question to be closed and permanently deleted from all records and be compensated for ALL violations committed against me.
Company Response:
State: AZ
Zip: 85259
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Fedloan is not reporting student loan balances in 30 or 45 days time to Credit reporting agencies. I have been waiting since XX/XX/XXXX for them to report a {$25000.00} payment on my student loans. Showing a new balance of {$28000.00} and not a balance of {$39000.00} on my credit reports as of today XX/XX/2022.
Company Response:
State: CO
Zip: 80011
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: FedLoan has missing paperwork from when my student loans were transferred from my previous student loan servicer, XXXX. Ive asked for this information many times.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: FEDLOAN is refusing to count qualifying payments towards forgiveness made to prior lenders who sold my loans to them ( i.e. XXXX sold my loans to FEDLOAN ). No wonder people are suing them and winning!! I submitted a detailed schedule with my application to no avail.
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: FedLoan Servicing is continuing to report late payments during XXXX in all student loans prior to 2022 ( Account # XXXX ). There were never ANY late payments on either account, ever, and in addition, per 15 U.S. Code 1666 - 1666 ( j ) There were not any approvals, or permissions to report such erroneous findings. This has defamed my character and caused additional mental and physical adversities and hardships. My address is also being reported incorrectly.
Company Response:
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello : I am in the XXXX program for my student loans via XXXX. I have worked for the same employer ( a local government ) for 8+ years now while in this program. This year XXXX has been unable to accurately service my loans. It's been three months and they keep failing to properly process my Employment Certification Form and send me erroneous, misleading, information. The first letter they sent XX/XX/22 showed the same number of qualifying payments as the previous year, alarmingly pushing back my estimated forgiveness date, despite them being in receipt of a completed form at that time. They obviously didn't process the form and decided to send out wrong information and create confusion. I called their customer support and waited an absurd amount of time to only be told by an agent that they could clearly see it was a mistake, but all they could do is make a note in my file to process the form correctly. Ok, I give benefit of the doubt, wait.. Now, they send correspondence on XX/XX/22 that says my XXXX form is incomplete and can't be processed! This is patently false, as I can retrieve the file I uploaded to their website still in the outbox and see that the items they are claiming aren't filed out are indeed completed! They said I need to contact them AGAIN! As I write this I am on hold for an hour already still trying to get a simple form processed correctly. This is insanity! I feel completely abandoned by XXXX and they are clearly unable to do this work anymore. This XXXX program feels predatory now like my own servicer is sabotaging me when I've done everything right and am almost at 10 years. PLEASE HELP.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: There are 4 payments that are counted as " ineligible '' from FEDLOAN towards my loan forgiveness program. It was during the grace period/forbearance period at the beginning of medical residency. I believe these should count.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have applied for PSLF. I am currently eligible under the waiver for full forgiveness. I submitted my paperwork XX/XX/21. I received notification that my employment was approved and the loans were to be transferred from my current servicer to FedLoan, the PSLf servicer. It is almost 4 months later and nothing has happened. My loans are still with the wrong servicer ( XXXX ) and all parties have No answers as to what the delay is. Others have started the consolidation process recently and been moved to full forgiveness faster. I cant even get my loans to go to the right party.
Company Response:
State: FL
Zip: 33314
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A