AES-PHEAA
Consumer Complaints
There are over 9925 complaints on file for AES-PHEAA. Dated between 2019-12-11 and 2012-03-07.
Complaints Page 102
2018-10-20
El Paso, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2018-10-20
Glendale, AZ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2018-10-20
El Paso, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2018-10-19
Savannah, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I submitted an employment certification form ( ECF ) form to have qualifying payments counted from the years I've worked for XXXX College XXXX XXXX XXXX XXXX, a 501 ( c ) ( 3 ).
XXXX XXXX denied the ECF, stating that section 3, Item 5, the employment begin date was not filled out. It was clearly filled out.
They also said section 3, items 9-13 were not filled out. Item 9 was clearly filled out, Item 10 was clearly filled out and the instructions on item 10 said to skip to section 4, so the remaining items 11-13 were unecessary They also said that they were denying it because section 4 had been filled out by my employer. The instructions for section 4 clearly state in all caps " TO BE FILLED OUT BY EMPLOYER ''.
I submitted the form again with these areas highlighted and explained that their reasons were invalid.
They denied it again saying that the official from the employer had not listed her phone number. She had clearly listed it on the appropriate line in section 4.
Furthermore, they reduced the number of payments that had already qualified without any explanation at all. I had already certified 14 qualifying payments. They reduced that number to 12 with no explanation at all. The real number should be closer to 40.
Company Response: Closed with explanation
2018-10-19
Houston, TX
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: I have been receiving emails that payments have not been submitted then getting late fees and charged again and again. My bank statements show the money is being submitted to AES however they keep calling my parent 's house and harassing them and I keep paying more but the emails and calls dont stop. I have screen shots of the latest transactions ( email and my bank statements showing in making multiple payments ) I feel like I am being taken advantage of and I do not like these creditors calling my parents home phone ( I have not lived there for 9 years ) as they are old and this causes unwarranted stress which could lead to health conditions and their untimely death.
Company Response: Closed with explanation
2018-10-19
Plymouth, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I submitted a payment to XXXX XXXX XXXX in the amount of {$130.00} on XX/XX/2018. However, I was charged twice for this payment. I noticed the error on the same day as the second transaction was posted to my account and immediately notified the company. I was told that they will issue a refund, but that it would take 60 - 90 days to get back to me. That is 2 - 3 months. The irony of the situation is almost too much to bare ; during my time as a customer with XXXX XXXX XXXX I, too, was unable to pay them for a period of 90 days. I was reported to the credit bureaus, without notification, and as a result my credit situation has been damaged for the better part of a decade.
Thus, I must contend that XXXX XXXX XXXX, lacks an adequate process to manage a timely resolution for their customers in the event of an accidental, or erroneous charge.I also assert that they lack adequate customer service capacity, as every call I have ever had with them has been frustrating, fruitless, and entirely unhelpful.
Because XXXX XXXX XXXX is either unable, or unwilling, to return my funds to me in a timely manner, I have also disputed the charge with my banking institution, and have asked them to assist me in recovering the funds that were erroneously withdrawn from my account, and were not being returned.
Company Response: Closed with explanation
2018-10-19
Glendale, CO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I recently learned that I should have received information about the PSLF program when I started making payments in XX/XX/XXXX on my federal student loans as I was employed in a XXXX XXXX. Unfortunately for me, I learned in XX/XX/XXXX that I needed to consolidate my loans in order to qualify for the PSLF program under a different plan ( income-based repayment plan ). I have reached out to my loan provider ( XXXX XXXX ) and searched on the Dept. of Education 's website for information on how to get those four years of payments to count towards my PSLF. However, XXXX XXXX told me that since they were not in charge of my loans prior they can't help me. Also the Dept of Ed. website gives a phone number for contact but the phone number is to XXXX XXXX. I am reaching out the CFPB because I read that other people are dealing with this same issue. Please advise.
Company Response: Closed with explanation
2018-10-19
Dallas, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Closed with non-monetary relief
2018-10-19
Canton, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2018-10-19
Effingham, KS
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I signed up for Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX, and XXXX XXXX became my new student loan servicer. In XX/XX/XXXX, when it came time for my annual recertification, my monthly loan amount jumped up from {$120.00} per month it had been for the prior 12 months to {$620.00} per month. I called to ask why the amount had increased so precipitously. XXXX XXXX told me that the total income from my XXXX taxes had increased because as a newly-married person I had filed jointly for the first time with my spouse. It did not matter to XXXX XXXX that my spouse also had similar student loans to repay. I informed them that I would be unable to sustainably pay a monthly amount of {$620.00} and asked for a smaller monthly payment. I was told to submit an application for the Revised Pay As You Earn ( REPAYE ) Income-Driven Repayment ( IDR ) plan. The entire process to achieve this new REPAYE payment plan took six months, calls from me to XXXX on at least a monthly basis to ask and plead for them to complete the recalculation and to place myself on forebearance time and time again because each month prior to my monthly due date I would receive automated letters into my XXXX account saying that I was required to pay between {$1500.00} and {$1500.00}. Had XXXX XXXX acted accountably and quickly on my request to change payment plans due to having too high a monthly payment, I would not have had to request continual forebearance on a monthly repayment requirement that rose to over 11 times what I had been accustomed to paying affordably. It was only in XX/XX/XXXX that my request to move to a REPAYE payment plan was approved, with the first monthly payment coming in XX/XX/XXXX of {$370.00}, an amount over twice as high as the {$120.00} that I had been paying in the previous certified year.
I thought this issue had been resolved until I read the XX/XX/XXXX XXXX article " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' I recalled the difficulties I had faced for six months in XXXX trying to obtain a new payment plan and decided to log in to my XXXX XXXX account to check in further detail what had happened with my loans. I discovered that in that time period, I had suffered an increase in the principal amount of my loans from {$85000.00} in the year in which I paid {$120.00} per month to {$98000.00} by XX/XX/XXXX, due to Interest Capitalization. This frustrates me because the only reason my interest was capitalized during this time frame was because I was waiting on XXXX XXXX to lower my monthly payment to the REPAYE plan and having to request a monthly forebearance due to the punishing amounts of over {$1500.00} per month that they were requesting in the interim.
Company Response: Closed with non-monetary relief
2018-10-19
San Jacinto, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Since XX/XX/2017, I have been attempting to determine how many qualifying payments I have made under PSLF. I have called customer service repeatedly, and they have not been able to give a consistent answer. In XX/XX/XXXX it was 3 payments, and today it is 9. I have not been able to determine exactly why they have not counted the payments. The answer to that question is different every time I call. Today, I spent almost 90 minutes trying to speak to a manager. I was left on hold for over 20 minutes. I was hung up on. Ultimately I was told a manager would call me back. She could not say who. She could not say when.
Company Response: Closed with explanation
2018-10-19
OR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Hello, I am working towards public service loan forgiveness and have an issue with the amount of qualifying payments. I submitted my employment certification form in XX/XX/XXXX and my loans were transferred to PHEAA on XX/XX/XXXX. At this time, the qualifying loan amounts show different information with only one being accurate at XXXX while the others shows XXXX and XXXX. I notified PHEAA in XX/XX/XXXX, XX/XX/XXXX, and recently in XX/XX/XXXX without any resolution of this issue.
Company Response: Closed with non-monetary relief
2018-10-18
Bedford, TX
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: XX/XX/XXXX an Income Driven Plan was discussed and filed. Payments were dropping from {$860.00} to {$520.00} approx.
XX/XX/XXXX, Called XXXX the website said I would hear back by XX/XX/XXXX, next day it said I would hear back by XX/XX/XXXX, then it said I would hear back by XX/XX/XXXX. I had not heard a word since XXXX XXXX. Agent on the phone said nothing had been processed ; could not find my info. He said he would do a temporary deferment and charge me {$5.00} to process my IDR and I would not be billed for XX/XX/XXXX/XX/XX/XXXX and would get my new payment billed by XXXX due date.
XX/XX/XXXX I made the {$5.00} payment agent had asked for.
XX/XX/XXXX I received a separate bill and paid ANOTHER {$5.00} for processing.
XX/XX/XXXX I get a bill for {$890.00}. NO IDR INFO ON MY ACCOUNT OTHER THAN A RECEIPT OF FORM ON XX/XX/XXXX.
XX/XX/XXXX I called again and was told to disregard the bill for {$890.00} that the IDR was processing with a rush status and I would get new bill in 48 hours. I asked for an email or letter stating that I was told to disregard this bill. XXXX said she would send me an email that day so I could prove our conversation.
XX/XX/XXXX No email or info received from XXXX. I called again and the agent verified a rush was put on my account. He told me to wait until Monday, XX/XX/XXXX, and I would have my new payment bill. He said this would replace the XXXX bill for {$890.00}.
XX/XX/XXXX, a week + 1 day later. Still no info from FedLoan.org. Called and finally got to an " escalated loan manager '', because they refuse to let us speak to management. She says the same story as the lies I lived thru the last 3 months. Now I wait another 48 hours for her to put a " rush status '' on processing my IDR. HOWEVER, she is forcing me to pay {$890.00} for the month of XXXX because it takes 2 billing cycles to process. I told her this will be the 4th billing cycle and they still haven't done their job to process my IDR so this is not my fault. She does not care, holding me responsible to pay {$890.00} until they decide to finalize my IDR.
Hoping they won't lose the form, or fail to process it again, I am filing a complaint. I did inform her that I am one of the few who are honestly trying to repay my student loan. I had it on deferment last year due to a XXXX and now have been trying to get my payments finalized since XXXX. They are such a stressful agency, failing to do their job, taking 4 to 6 months to process ONE FORM!!! It is unbelievable our government agency for student loans would do this to people, much less adding stress for XXXX survivors. I indeed tried to get this finalized in XXXX to avoid such stress induced situations from their office Please help. I'm XXXX, recovering from a XXXX last year and trying to work when I can as well as pay my account. And employee # XXXX has the nerve to insinuate if I'm working then just pay the {$890.00}!!!! I do believe the agents handling my account are breaking consumer protection laws by their comments and reluctance to do their jobs and process things ... blaming it on the consumer, etc.
Company Response: Closed with explanation
2018-10-18
Dickinson, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2018-10-18
Bloomington, MN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I applied for for federal public service loan forgiveness program. I thought I had approx. 3 years left of loan payments only to learn that I haven't made one qualifying payment from the loan servicer customer service rep, with no recourse to help me understand what happened or why I never qualified, even though I've worked in XXXX and XXXX for the last 15 years.
Company Response: Closed with explanation
2018-10-18
Tuscaloosa, AL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2018-10-18
Sherman Oaks, CA
Problem with a credit reporting company's investigation into an existing problem
Student loan: Federal student loan servicing
Their investigation did not fix an error on your report
Complaint: I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2016.
Company Response: Closed with explanation
2018-10-18
MN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I sent a notice in writing to the lender ( Pennsylvania Higher Education Assistance Company/XXXX ) that I wanted them to stop putting my account into paid ahead status. I instructed them to apply overpayments to the principal balance of a particular loan. I received a letter from the lender on XX/XX/2018 stating that they approved my request. However, the lender has not complied with my request. In both XX/XX/XXXX and XX/XX/XXXX, the lender put my account into paid ahead status, and has not applied the overpayment to the principal of my loan as I requested. My account is still in paid ahead status today, and overpayments have not been applied as I requested.
Company Response: Closed with non-monetary relief
2018-10-18
Brem, WA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2018-10-18
Nashville, TN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: The principle of XXXX of my loans was paid in full at the beginning of XXXX. However, there remained some unpaid interest on both loans. I have automatic monthly payments, disbursed by XXXX. The automatic payments did not go toward the unpaid interest on those two loans for an unknown reason. Likewise, I could not manually pay the loans as XXXX 's website would not apply a payment toward loans with no principle. I called XXXX several times and was told that what I was seeing on my profile was incorrect and the two loans were completely paid off. So I was left without an option to pay the unpaid interest and was told that loans were, in fact, paid. However, the credit reporting agencies were notified that I was not paying those two loans and was past due ( past due for a monthly amount of {$0.00}, per the credit agencies ). I worked with XXXX to remove the note on my credit report but the unpaid interest issue remained.
This week, I logged into my XXXX XXXX I saw that the interest had capitalized for those two loans. Except now my profile states that they are delinquent, having been overdue since XX/XX/XXXX. Additionally, when I called into XXXX I was told that the automatic payments I am making now are in excess of what I owe and I am paying ahead. My last payment ( XX/XX/XXXX ) covered XXXX 's bill but was also applied to XX/XX/XXXX.
I have been paying XXXX for years on a automatic payment that they encourage in an amount determined by them. It is wrong of them not to apply my payments to pay off debt due rather than over charge me and pay ahead ( of which I can't keep account of on their website ). I am concerned that many of my payments have been equally misapplied.
Lastly, XXXX refuses to provide me with a summary of my contacts with them. They keep dates and notes of when a customer calls or emails. I have called two or three times a month on these issues for several months. It is noted in my profile but they will not share that with me.
Company Response: Closed with explanation
2018-10-18
Hidden Valley, NV
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2018-10-18
Beyersville, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have XXXX payments which I understand can be time consuming due to the nature of the source of the money. However I have had several instances where the payments have been significantly delayed and a customer service rep raise his voice when I was just trying to understand the delay and how I can assist get the payment to move along.
Instance # 1 : I initiated an XXXX payment XX/XX/18 and XXXX XXXX accepted the payment on XX/XX/18. The funds were sent to XXXX XXXX on XX/XX/18. I have confirmed with XXXX that I have the correct dates. I gave it two weeks and the funds still had not posted. I called periodically and was always told to be patient. After a month the payment still had not posted and I would call weekly and was told several different inconsistent information, including the payment can take another 30 days or 60 days or that the payment had already posted but I can't see it yet. We were hitting XX/XX/XXXX and still the payment was not there. I reached out to XXXX and they suggested I request a trace check of the payment. The customer service rep I spoke to constantly confused herself with other payments and I provided her everything XXXX gave me. It got to the point that I would schedule a day every week to speak to customer service. The payment finally posted in XX/XX/XXXX with a back date of XX/XX/XXXX. A 90 day delay.
Instance # 2 : I am no longer on {$0.00} payment plan because I got married and my husband makes significantly more than I do. I was hoping to use my XXXXXXXX funds to make payments that otherwise can not afford on my own ( my husband has his own loan and other expenses ). I initiated a payment due on XX/XX/18 through XXXX on XX/XX/18 and it was accepted by XXXX XXXX on XX/XX/18. The funds were sent to XXXX on XX/XX/18. The payment has yet to post. I keep getting delinquency notices and when I call, I keep being told that I need to be patient or that the payment will post within a week. Again I call on a weekly basis. I am also in Public Service loan forgiveness where a late payment can have an affect on your 120 required payments. On XX/XX/18 I requested to speak to PSLF rep about the " late '' payment and what affect it will have on me. Again the customer service rep ( XXXX ) would confuse himself about payment and would tell me conflicting or contradictory statements about when the payment would post and what affect it would have on my PSLF. He eventually raised his voice on the phone, I explained that I was just trying to understand how to speed up the XXXX payment process and what affect it would have on my PSLF. He got so flustered that I ended the call without no resolution. It was one of the worst customer services experiences I have had. Note I never once raised my voice at him. I have also been told that the payment was held due to XXXX asking for it to post on a separate date. I reached out to XXXX and they said they never told XXXX to delay payment.
I call constantly because of the delinquency notices, the significant delays and the arbitrary dates expected post of the payment ( i.e. Tomorrow, 24 hours, one week, 30 days 60 days ). I don't understand how they start the countdown for how long the payment will take. Does it start from the day I request the payment? From the day the payment is processed? From the day the payments are received? XXXX XXXX is the verge of affecting my credit score negatively. I work closely with a credit bureau for work and was told that these delinquency notices can adversely affect my credit score regardless of whether or not XXXX reports it. I also requested a letter form XXXX explaining that the delinquencies are not a result of my negligence but from a processing issue on their end. That issue has not been resolved at all.
Company Response: Closed with non-monetary relief
2018-10-18
Boston, MA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I was informed on XX/XX/XXXX by an agent from XXXX that I had unknowingly forfeited all of my qualifying payments towards public service loan forgiveness because I had consolidated my direct loans after receiving incorrect information from one of XXXX agents. I had been paying towards my public service loan forgiveness with XXXX XXXX since XXXX and have documentation of all Employer Certification Forms during that time period, as well as all documentation of the approximately 5 years of qualifying payments made.
I contacted XXXX on XX/XX/XXXX to get a confirmation of how many qualifying payments I had made since XXXX. I generally call my loan servicers to get information because I find it more efficient to speak with an actual person than to navigate their website or email portal. The first agent I spoke to informed me that I had no qualifying payments because I had just consolidated my loans in XXXX and thus no payments had been made yet. This was shocking to me because I was informed during a previous phone call in XXXX that once my consolidation was complete I would receive information about how many qualifying payments I had made between XXXX and XXXX. The first agent I spoke to then directed me to her supervisor, agent # XXXX. I explained that I consolidated my loans to XXXX after receiving bad information from one of XXXX XXXX agents when I had called and had a lengthy conversation with agent # XXXX on XX/XX/XXXX. The managing agent I spoke to on XX/XX/XXXX, # XXXX told me that they have no record of this conversation that I had with the agent # XXXX.
I had initially called XXXX in XXXX because I had uploaded four separate Employment Certification forms beginning in XX/XX/XXXX through XX/XX/XXXX to their website documenting that I had worked at PSLF qualified employers from XXXX to XXXX but had not received confirmation or correspondence from XXXX that they received these documents. When I spoke to the agent # XXXX she had informed me that she saw all of my Employment Documents uploaded ( they have since disappeared from my XXXX portal ). During this phone call in XXXX it was conveyed to me that in order to calculate the number of qualifying payments I had made towards PSLF I was required to consolidate my loans with XXXX. I was not informed that by consolidating my loans I would be forfeiting the 5 years of qualifying payments I had made towards PSLF via XXXX XXXX. As I mentioned above, I was assured, that after the consolidation was completed, the number of qualifying payments I had made previously would be calculated and I would be informed of where I was in the payment process in relation to the 120 qualifying payments. I was also informed during this call that in order to make my indirect loans through AES qualify for PSLF I would have to consolidate them. Again, I was not informed during this phone call that by consolidating my direct loans, I would be forfeiting my 5 years of qualifying payments made through XXXX XXXX. I simply assumed that because I was instructed by XXXX XXXX via email on XX/XX/XXXX, to contact XXXX for information regarding the number of qualifying payments I had made that XXXX were the servicers of the program. I also did not assume that the information I was provided by agent # XXXX in XXXX was incorrect or incomplete. So after receiving this faulty and incomplete information from agent # XXXX on XX/XX/XXXX, and against my best interest, I went ahead with my consolidation with XXXX.
The reason that I had called in XXXX, was simply to understand how many qualifying payments I had made and would have never consolidated my loans had I known that I would be forfeiting the qualifying payments I had already made on these loans. It was against my best interest to consolidate because I still have two loan servicers AND have to start over in making qualifying payments towards PSLF. In fact, I was informed by XXXX XXXX # XXXX during our most recent phone conversation on XX/XX/XXXX, that I did the opposite of what I should have done. A reasonable person would NOT have consolidated their loans with the outcome that I have had : I still have two loan servicers, I forfeit approximately 5 years of payments towards forgiveness, and the interest rate is only minimally better than it was with XXXX XXXX. I have worked diligently to make my loan payments on time since XXXX, I have resubmitted income-based repayment paperwork diligently, and proactively communicated with loan servicers to ensure that I can make payments and understand the programs I am enrolled in. Because I was provided incorrect and damaging information by XXXX agent # XXXX, I simply want XXXX to honor the 5 years of qualifying payments I have made towards PSLF.
Company Response: Closed with explanation
2018-10-18
Gloucester City, NJ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Keep getting calls about your loan
Complaint: On XX/XX/XXXX I requested that 2 of the 6 loans I have be placed in a forbearance. I have been keeping with the payments of these two loans however I reached some financial difficulty and needed to forgo the payment for awhile. I requested a year of Forbearance. Therefore I would not have to pay again until the end XX/XX/XXXX. Somehow the paperwork was done incorrectly and I had to start my payments sooner the documentation said from XX/XX/XXXX to XX/XX/XXXX. When I realized the mistake I called XXXX XXXX and explained that it needed to be for a year, not 6 days. I spoke to someone who said that they would correct it and my General Forbearance would be for the following XX/XX/XXXX. ( XX/XX/XXXX -XX/XX/XXXX ). I said okay, and felt like a weight would be lifted off my shoulder. In XXXX I received a letter stating that my Forbearance was approved from XX/XX/XXXX to XX/XX/XXXX. Then on XX/XX/XXXX I received a Bill saying my XXXX XXXX was due on XX/XX/XXXX. I was surprised because I had a forbearance until XX/XX/XXXX. Therefore I called and spoke to a customer service representative and explained the situation. He/She explained there must of been a mistake and see that there is to be a forbearance in place and she would send it back " to who ever she needed to for their review '' But there forbearance is in place and I should not be receiving bills until it comes due in XX/XX/XXXX. I said okay and that she would have it fixed. I said okay, and felt a weight was lifted off my shoulders, XXXX. On or about XX/XX/XXXX I received a notice that I was late paying my bill that was due on XX/XX/XXXX. I called and spoke to someone and explained I was on a forbearance agreement until XX/XX/XXXX. He/She said that it looks as if someone is trying to make these 2 loans part of a deferment. I stated I don't want them deferred as part of my in school deferment, because I work for the Public Sector and paying on them won't help my PSLF. Please do not have them deferred I would like my Forbearance and This should not affect my credit. He/She said it would not and that they would have it escalated for me not to receive a bill and that I should not receive a notice until it becomes due in XX/XX/XXXX. I said okay and hung up ... In XXXX I received a Forbearance letter stating my Forbearance was approved from XX/XX/XXXX to XX/XX/XXXX, another weight was lifted and I felt good about receiving the letter. Then On XX/XX/XXXX, I received and email/letter stating I was delinquent on my payments with my loans as of XX/XX/XXXX. I called XXXX XXXX AGAIN!!! and spoke to someone this time I ask for a manager and was given a supervisor. I explained that I was on a Forbearance, That I keep receiving bills and that now it says I'm late and that this should not effect my credit because I am on a Forbearance. After some back and forth banter and that person reading my notes as well as seeing the letters they were in agreeing and that I should not be receiving anything because I am on a Forbearance agreement. The supervisor stated that it looks like someone again was trying to put my loans in a deference I explained I did not want them there and the reasons why. The supervisor understood and said they would process my forbearance in expedited fashion and I would not be delinquent.. After explain to the supervisor I felt that this is a harassment tactic, they explained that this isn't it was just someone made an error an it would be corrected. I told her/him thank you and hung up ... Now my working with the supervisor was in XXXX, I received a Forbearance letter stating my forbearance was approved from XX/XX/XXXX - XX/XX/XXXX. And in XX/XX/XXXX I received a bill and delinquency notice and called again and spoke to a supervisor and it was supposed to be worked all out and then in XX/XX/XXXX I received a bill and delinquency notice and talked to a supervisor and in XX/XX/XXXX Again!!! This time in XX/XX/XXXX I am IRATE!!! I feel harassed and feel like XXXX XXXX is trying to keep track of me and make sure my information is updated as I have to verify it every time I call.. Every Month since XX/XX/XXXX I had to call and talk about my financial problems, how I needed this loan in a forbearance, and why and why do I not want an in-school deferment ... By the time I call and talk to someone in XX/XX/XXXX not only am I frustrated and in tears I feel broken ... I have to call XXXX XXXX again, and try to be polite to a person who works for a company where I am constantly harassed every month!!!!!!! But I can not hide my anger even though I try ... I can not give all the details for the conversation in XX/XX/XXXX but it was definitely mixed emotions, I felt as though I could no longer trust anyone who worked there and the supervisors were jokes. I threatened to put in a complaint with CFPB and anyone else who would listen if I could not get this resolved. The woman I spoke with tried to calm me down and said she would do everything in my power to rectify it ... as I said I can not go into full details however she offered me a solace, and give me a General Forbearance that would last until the end of XX/XX/XXXX. While they resolve the matter of my other Forbearance that would end in XX/XX/XXXX, she said it should stop the bills and delinquency notices. She stated it was not my original forbearance that was to start in XX/XX/XXXX, but it would stop the notices until everything was completed. So I received a notice on XX/XX/XXXX of a Forbearance from XX/XX/XXXX to XX/XX/XXXX. I have not called or heard from them. a few weeks ago around the beginning of XX/XX/XXXX I logged on to check on my redetermination of my IDR and to forward my PSLF certification in XX/XX/XXXX. Now Today XX/XX/XXXX. I received a notice that I have a payment due on XX/XX/XXXX. When my original deferment doesn't end until XX/XX/XXXX and my temporary deferment doesn't end on XX/XX/XXXX. And now I am about to make another phone call. as I feel as though this is a violation of the forbearance agreement to ask for payment before the agreement is over. And this is emotional stress with the constant back and forth. I feel as though this a tactic on their part to make sure I know I have to pay and to deter me from every wanting to do a forbearance again ... Even in financial Hardship I can't find solace. The thing about all of this that kills me is that I made my payments once the loan became due and I planned on to continue to pay at the end of the Forbearance agreement.
Company Response: Closed with non-monetary relief
2018-10-18
Caldwell, NC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation