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 105
2018-10-11
MA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I have been working to get the following issues taken care of my with loans since XX/XX/XXXX.
- Get loan payments made in XX/XX/XXXX, XX/XX/XXXXXXXX and XX/XX/XXXX counted towards my PUBLIC SERVICE LOAN FORGIVENESS program participation retroactively. ( Paper work submitted for this. ) - Get a " REVISED PAY AS YOU EARN '' INCOME DRIVEN REPAYMENT ( IDR ) plan applied towards my account and applied to loans scheduled to come out of the grade period in XX/XX/XXXX.
- Have existing loans taken out of " administrative forbearance '' so that I MAY BEGIN PAYING immediately with these LOAN PAYMENTS CALCULATED UNDER THE REVISED PAY AS YOU EARN IDE.
XXXX XXXX XXXX claims they " have don't have an idea '' of how long it will take to process my " In school waiver '' form to get the payments for XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX counted.
Company Response: Closed with explanation
2018-10-11
La Pine, OR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: Multi attempts to summit PEERS which get rejected for one reason or another. Since switching over for teacher forgiveness, I have not idea how many qualifying payments I have made. I consolidated my loans in XXXX of 2011.
Company Response: Closed with explanation
2018-10-10
PA
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Complaint: I have been in different periods of administrative forbearance since XXXX of 2018 and transferred to XXXX XXXX in XXXX. Despite this, XXXX reported me as delinquent. They are easily able to see that I am NOT delinquent - nor have I ever been. However, they are yet to reconcile this issue with the credit reporting companies. I am unable to get a BADLY needed loan because of this.
Company Response: Closed with explanation
2018-10-10
Louisville, KY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Company Response: Closed with explanation
2018-10-10
Philatelic Center, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I had applied for Public Service Loan Forgiveness in XX/XX/2017. Before leaving for the XXXX XXXX that month, I filled out the appropriate forms and spoke with a friend representative on the phone to clarify everything and she said everything was cleared and my time in the XXXX XXXX would count towards my 120 monthly payments to forgiveness. I left XXXX XXXX after 7 months and called my provider to let them know of the change, the representative said it was ok and those payments would count. I am currently working for a non profit organization and called to check in with my provider when online it had said I only have 1 payment so far that would count towards the XXXX. This representative let me know that because my loans were not in the repayment period of while I was in the XXXX XXXX, none of those payments would count. I was completely mislead by the previous representatives and now feel very discouraged with where I am in the PSLF process as I thought I had a years worth of payments completed towards the total 10 years, but am actually starting from square one. I am very disappointed by the misinformation given to me by my provider.
Company Response: Closed with explanation
2018-10-10
Bayshore Gardens, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with non-monetary relief
2018-10-10
Glendale, CO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: My obligatory student loan servicer, XXXX XXXX, has once again, for third straight year in a row, refused to certify my employment eligibility for the Public Service Loan Forgiveness ( PSLF ) program based on alleged and non-existent errors in my annual paperwork. This is the second consecutive complaint I've submitted to the CFPB on this exact same set of facts ( ref : XXXX ). At this point, it is starting to seem like either gross incompetence or intentional obstruction of access to these benefits, and I would like the XXXX to investigate. I also note that XXXX XXXX does not have an a customer complaint process that reports back results to the customer ( " it's an internal matter, '' according to the representative I spoke to, XXXX ( XXXX ID XXXX ) ) so CFPB is the only recourse available, and the only way I have obtained any remedy in the past.
To briefly recap the now all too familiar facts ... each year I submit an Employment Certification Form ( attached ) as recommended to record my progress of making the XXXX qualifying payments needed to have the balance of my loan forgiven. Each of the last three years, XXXX XXXX rejects my certification, claiming some sort of nonsensical error in the dates of my employment. This year it was that my employment end date preceded my employment start date ( see attached letter ), which is ludicrous since I have no employment end date as I am still working at the same employer I've been at for the last four years. I called XXXX XXXX to rectify this and all I get is an unaccountable runaround and an assurance that they will reevaluate my paperwork and look into the problem. While I certainly want their processing error here corrected, I also want this to stop happening, and I worry what this pattern of incidents portends for the day I actually apply to have my loans forgiven. As has been widely reported in the news, quite a few borrowers have been surprised by XXXX 's XXXX hour revelations that their loans are suddenly not eligible for forgiveness and I do not want to be one of those cautionary tales.
I implore you to take a hard look at XXXX 's internal policies, procedures, and training around how its customer 's access the PSLF program. Based on my experience, it seems that they put more effort into obstructing access than facilitating it. We have no choice in who services our student loans and have no way of compelling them to act in our best interests, so the CFPB is our first and last line of defense against this monopolistic entity. Please hold them accountable to their customers.
Company Response: Closed with explanation
2018-10-10
Macclenny, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: My application for Public Service Loan Forgiveness was recently denied. I learned that the reason was because XXXX XXXX refused to count my XX/XX/2018 payments because I was supposedly in past due status. Upon investigation, I learned the following : In XX/XX/2018, XXXX XXXX kicked one of my student loans out of auto debit, which I had not requested. When I learned that this loan was kicked out of auto debit, I began paying that amount each month until I could get it back on auto debit. Rather than applying that to the amount due, they instead applied the extra payment evenly across all loans, pushing that one loan into past due status and all of my other loans into paid ahead status.
I did not know that this happened and could not figure out why the XXXX XXXX website continued to alternately tell me that I was paid ahead and past due, sometimes giving me both messages in the same day.
I called several times in XX/XX/XXXX and XX/XX/2018 to resolve this. The customer service reps informed me that I was paying the correct amount, and that there was nothing past due on my account.
When I applied for Public Service Loan Forgiveness, I learned about the misapplied payment. I have requested that they reapply the payments to take care of the discrepancy, since I have now made a variety of extra payments to try to resolve this discrepancy. One of the customer service reps informed me that it would take 10 days to reapply the payments and that at that time I could request re-evaluation of my Application for Forgiveness. However, it has been weeks now, and they still have not resolved it. I have had to continue making payments during this time. Another customer service representative informed me that they are unable to give me an accounting of how my payments have applied and that I have to cite the exact excluded payments that I want to appeal. That is hard to do absent that type of accounting that shows which payments counted and which did not.
Please assist me in resolving this matter. I greatly appreciate your help. Thank you.
Company Response: Closed with non-monetary relief
2018-10-10
Atlanta, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-10-10
Brooklyn, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: On XX/XX/2017, XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of 32,576. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information.
Company Response: Closed with explanation
2018-10-10
NH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Hello, I hope this email finds you all well.
I have been attempting to get some help since XXXX of XXXX after doing some research online to see if anyone else has been experiencing unfair practices via XXXX.
My experience is with the Pennsylvania Higher Education Assistance Agency ( PHEAA ) directly.
As you can see from the following class action lawsuit filed in XX/XX/XXXX by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, which does business as XXXX XXXX and American Education Services ( AES ), attempted to delay debtors ' loan forgiveness in order to continue collecting interest and fees. I have had my loans serviced by both AES and now XXXX in the last decade ( since completing XXXX XXXX in XXXX ).
The suit poses that helping these borrowers get out of debt sooner directly conflicts with PHEAAs financial interest in collecting interest and servicing fees on active loans. The lawsuit argues ( and what my exact experience has been ) is that PHEAA has orchestrated a scheme to extend the length of debtors loans, and therefore earn more revenue, by improperly delaying or failing to process their applications to forgiveness programs and incorrectly placing their loans into forbearance or deferment status.
Debtors are told NOT TO PAY while their account is being processed ( which happens annually as XXXX mandates that borrowers complete annual recertification for their Income Driven Repayment plans ). This includes lengthy processing times and insufficient information from their servicers to meet recertification deadlines ; overpayments being misapplied such that, instead of reducing the principal balance of the loan, the payment was applied to future balances and placed the loan in paid ahead status.
Why does my current statement need to say : Your account is current {$0.00} due You will be alerted when your next payment is ready? This is sooo tricky! They hope I wont pay so that I NEVER GET TO 120 QUALIFIED PAYMENTS.
My current balance and outstanding interest continues to grow, they arent telling me what my minimum payment should be, and all I can do is pay what my last amount was.
A note on paying ahead from their website : Paying on an Income-Driven Repayment ( IDR ) Plan You can not pay ahead past your IDR anniversary or recertification date. Any extra funds remaining at the time of your IDR anniversary or recertification deadline will be immediately applied to your loans ( not to a future bill ), and your paid ahead status will end. However, you still have the option of paying extra, and you can enter paid ahead status again, through your next IDR anniversary or recertification.
So, basically I have to just wait for them to process my recertification before I can make payments that count towards my 120 qualified payments. And ofcourse I just noticed this webpage about paying ahead when writing this email to you ( it must be a new one they recently added ), and it says : Considering Public Service Loan Forgiveness ( PSLF ) Paying ahead while seeking PSLF can adversely affect your qualifying payment count. If you pay extra and enter a paid ahead status while seeking PSLF, any future bills that you satisfy may not immediately count as qualifying payments. If you want to pay more than your required monthly payment, please contact us and request to have paid ahead status permanently removed.
Ive had a terrible ordeal with AES and then XXXX since XX/XX/XXXX, have sent them emails and called them to try to get my miscalculated payments resolved since XX/XX/XXXX, and have still not heard back.
I finally got someone on the phone to tell me in a whisper, just keep making the same payment amount every month, even if it says you are all paid up and it doesnt tell you what your payment is, that way you stay on track towards your 120 payments. ( Now I see that I have to request to have the paid ahead status permanently removed. ) I had no idea if he was even being honest or correct, but it seemed like the better alternative to not paying, and being put on automatic Forbearance while I took additional XXXX classes for professional development, or while my account was being recertified. It seems like for the last 10 years, every time Ive called, I would get a different answer from whoever I talked to and whenever anything has changed, they have not notified their debtors.
Below are the emails I sent to XXXX in XX/XX/XXXX. I think what is most important to note and what seems the craziest to me is that from what I could see every few years, my account was put in forebarence and my loan increased by thousands of dollars. In XX/XX/XXXX interest capitalized by {$3800.00}. In XX/XX/XXXX interest again capitalized by {$8000.00} because I was under the impression that I was on Auto Payment., but was actually just removed from it by XXXX ( unknowingly ) and when they werent receiving payments from me, they capitalized my interest.
XX/XX/XXXX Hello, I have been having lots of issues with my student loans and was hoping to speak with a Public Service Loan Forgiveness Specialist as soon as possible to help clarify these issues. My number is XXXX. The issues that I would like to talk about are below : In general my employment certification says that Ive made 81 qualifying payments since my Loan Disbursement Date of XX/XX/XXXX ( calculated until XX/XX/XXXX ), though I am calculating a total of 88 qualifying payments. That is a miscalculation of 7 qualifying payments.
During my first employment certification ( XX/XX/XXXX XX/XX/XXXX ) there is a total of 1 issue that needs to be remedied.
( 1 ) 39 payments were calculated. I payed a total of 40 payments during that time. Therefore, there is a discrepancy of 1 total payment. I paid every month from XX/XX/XXXX XX/XX/XXXX and also paid on XX/XX/XXXX, for a total of 40 payments. The only payment I did not make was XX/XX/XXXX payment because I was told not to pay anything while my IBR was being recalculated ( no bill was due ). I have no record of whether or not my interest itemized at this time as my loan was transferred after this time and I have no access to the records from the former financial institution.
Date Payment Made Amount of Payment Made XX/XX/XXXX {$63.00} XX/XX/XXXX was told no payment due during IBR recertification XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$330.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} During my second employment certification ( XX/XX/XXXX XX/XX/XXXX ) there is a total of 1 issue that needs to be clarified for me.
( 1 ) 23 payments were calculated and this is correct, as I paid a total of 23 payments during that time. Though I just noticed when looking back at all of it after asking for all the paperwork, that when I was put on forbearance, while my IBR was being recalculated ( for instance in XX/XX/XXXX while I was told to not pay anything toward my loan, and my was not sent a bill ) my interest capitalized by {$3800.00}!!! Why would this have happened, and why would no one have told me that this would happen? Had I known that this would happen, I would have continued to pay Ive always been incredibly responsible and loyal to my payments, and totally feel like Ive been completely sideswiped.
Date Payment Made Amount of Payment Made XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX INTEREST CAPITALIZED {$3800.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} During my third employment certification ( XX/XX/XXXX XX/XX/XXXX ) there were no issues.
14 payments were calculated and this is correct, as I paid a total of 14 payments during that time.
During my fourth employment certification ( XX/XX/XXXX XX/XX/XXXX ) there were 4 total issue that need to be remedied and/or clarified.
( 1 ) 5 payments were calculated by XXXX XXXX and this is incorrect, as I paid a total of 11 payments during that time. Therefore, there is a discrepancy of 6 total payments.
( 2 ) I was on Auto Payment from XX/XX/XXXX - XX/XX/XXXX, and while I was on Auto Pay, there was an extra payment taken out in XX/XX/XXXX. That payment should have also counted toward my qualifying payments ( and should be part of the total 11 payments ).
( 3 ) This is just a note about how unfair I think this whole thing is : The ONLY reason I was not paying my loans from XX/XX/XXXX XX/XX/XXXX was because I was under the impression that I was on Auto Payment. I had just recently had twins ( in XXXX ) and was under lots of stress and was concerned that I would miss my payments, so I did the RESPONSIBLE thing and put myself on Auto Pay. After a few months, I realized that payments were not coming out of my bank account ( Auto Pay just STOPPED ), because I needed to complete paperwork to calculate my IBR. I wasnt paying attention to the XXXX XXXX emails because I was so overloaded that I couldnt get through everything in my inbox ( and when I saw emails from XXXX XXXX I assumed they were emails confirming Auto Pay as before, so I didnt pay much attention ). Again, this hit me like a TON OF BRICKS. As soon as I realized what was happening, I rectified the situation, but it was too late again I was hit with over {$8000.00} in interest capitalization!
( 4 ) How is anyone supposed to get out of student debt in this process? Ive been paying for a decade and my loan amount has INCREASED by {$12000.00} and thats only in the last 5 years! As I mentioned before, I cant get records from the former institution that held my loans right now, so I have no idea what happened before they got moved to XXXX XXXX.
( 5 ) Date Payment Made Amount of Payment Made XX/XX/XXXX {$290.00} XX/XX/XXXX INTEREST CAPITALIZED {$8000.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} I would really appreciate speaking with someone who could ( 1 ) help me get my qualified payments up to 88 ( 7 additional ) ( 2 ) help me lower my monthly payments as part of the reason the payments are so high is because I keep getting hit with the interest capitalization because I keep being told not to pay. This past time when I called XXXX XXXX ( yesterday ), after being put on forbearance because I am taking classes again, and I asked to be taken off forbearance, I asked if I could keep paying even though my bill said {$0.00} was due, and this was the FIRST time someone told me that I could do that and have my payments qualify. In the past, when Ive asked, no one seemed sure, so I didnt make payments, because I wasnt sure they would qualify, and I didnt know how much to make.
On XX/XX/XXXX resent email Hello. I sent the following email on XX/XX/XXXX and then followed up by phone asking for a listing of all of my payments to date. I've received nothing. Can someone please help me?
XX/XX/XXXX Hello, I have been having lots of issues with my student loans and was hoping to speak with a Public Service Loan Forgiveness Specialist as soon as possible to help clarify these issues. The issues that I would like to talk about are below : My last employment certification says that Ive made 81 qualifying payments since my Loan Disbursement Date of XX/XX/XXXX ( calculated until XX/XX/XXXX ), though I am calculating a total of 88 qualifying payments. That is a total miscalculation of 7 qualifying payments.
During my first employment certification ( XX/XX/XXXX XX/XX/XXXX ) 39 payments were calculated. I payed a total of 40 payments during that time. During my fourth employment certification ( XX/XX/XXXX XX/XX/XXXX ) 5 payments were calculated by XXXX XXXX and this is incorrect, as I paid a total of 11 payments during that time. Also, I was on Auto Payment from XX/XX/XXXX - XX/XX/XXXX, and while I was on Auto Pay, there was an extra payment taken out in XX/XX/XXXX. That payment should have also counted toward my qualifying payments ( and should be part of the total 11 payments ).
I would really appreciate speaking with as soon as possible.
Company Response: Closed with explanation
2018-10-09
Chattanooga, TN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: XXXX XXXX will not properly give me credit for qualifying payments for PSLF. I have provided them with the proper documentation from my previous lender and they still haven't updated the records correctly. I had to submit the documentation 3 times, once by certified mail, once by fax, and once by document upload to even get them to acknowledge that they had received a communication from me. Then, they didn't calculate the correct number of qualifying payments made on the subsidized and the non-subsidized loans. I am a XXXX employee who has been making payments under one of the income driven repayment plans since XXXX of 2009. I should have an equal number of qualifying payments on the subsidized and the non-subsidized loans, just over 100 qualifying payments on each. I submitted documentation from my previous lender to show them the qualifying payments and authorized XXXX to pull records from my previous lender. They sent me a letter which only counted the payments made in the last year. XXXX seems determined to not acknowledge and give credit for the bulk of my qualifying paments made while being serviced by a different company ( XXXX ). I need help getting them to accurately document my qualifying payments.
Company Response: Closed with explanation
2018-10-09
Las Vegas, NV
Attempts to collect debt not owed
Debt collection: Federal student loan debt
Debt is not yours
Complaint: I WENT TO THE XXXX XXXX XXXX WEB SITE AND ACCESS INFORMATION FROM 1988 FROM XXXX XXXX XXXX. I FOUND A LOT OF INACCURACIES AND FALSE REPORTING. FROM XXXX XXXX COLLEGE THIS COLLEGE FALSIFIED DOCUMENTS AND SHOWED ME ENROLLED AS A STUDENT FOR 2 YEARS AND GRADUATED. I ONLY ATTENDED THIS SCHOOL FOR ABOUT 2 WEEKS AND I DROPPED OUT DUE TO XXXX. APPARENTLY THEY GOT CHECKS IN MY NAME AND CASHED THEM. THIS IS NOT MY STUDENT LOAN. I SENT PROOF OF FRAUD BY THE SCHOOL THAT WAS GOING ON AT THE SAME TIME I WAS ENROLLED. PLEASE REVIEW THE DOCUMENTS I SUBMITTED AND I CAN SHOW PROOF THEY FALSIFIED MY STUDENT RECORDS AS LIST ME AS A GRADUATE. PLEASE REINVESTIGATE THOROUGHLY AND REMOVE FROM MY CREDIT FILE .XXXX XXXX XXXX
Company Response: Closed with explanation
2018-10-09
VA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I applied to change my income based payment plan on XX/XX/2018 from the IBR plan to the revised pay as you earn plan. This would significantly lover my monthly payment ( about {$100.00} less a month ). I was told I would hear back from XXXX XXXX by the XX/XX/XXXX with a decision. Since I hadn't heard back from them I called on the XXXX to see what was going on. I was told the application was in process and that it should go through in the next few days.
As of XX/XX/XXXX I still hadn't heard anything so I called again. This time I was told that the application had a note requesting it be looked at now. That note was placed on the XX/XX/XXXX. I was also told that it could be several months before the payment plan is switched. I made sure I did this with plenty of time before my student loans became due as they were in forbearance until XX/XX/18. I also requested a due date change and was told that would take affect when the new payment plan went into effect. The current payment owed is {$300.00} a month and the new payment plan would bring it down to about {$200.00} a month.
Company Response: Closed with explanation
2018-10-09
Leeton, UT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: My brother opened this account in my name without my knowledge and has passed away. Now XXXX XXXX is coming after me and Ive never received nor did I apply for this account. The payments are minimal and I will pay it if they remove the negative marks on my credit as it is hurting me and I have nothing to do with them.
Company Response: Closed with explanation
2018-10-09
Colts Neck, NJ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I recently repaid {$28000.00} in student loans to XXXX XXXX XXXX. I told to the company that the payment should be applied to my two highest loans with the highest interest rates, which were each about {$14000.00} and around 5-6 % interest ( Loan sequence 7 and 8 on my account ). I told them this both by phone and email. I recorded the names, employee numbers, and dates of each call ( XXXX, Employee ID ( EID ) XXXX, and XXXX XXXX XXXX by phone on XX/XX/2018, XXXX by email, who did not provide an EID, on XX/XX/2018 ).
Despite my repeated attempts, XXXX XXXX XXXX has refused to apply my payment to these loans. Instead, they have applied my payments " across the board '' to a number of smaller loans with lower interest rates. Essentially, they are forcing me to continue paying the higher interest loans, which will extend the life of the loans, the interest, and my repayment obligations.
I have continued to contact them to rectify the situation without any success. They have refused to provide any confirmation that they have or will correct the error. Any help you could provide would be appreciated, I have detailed records to corroborate my claims.
Company Response: Closed with explanation
2018-10-09
Key Biscayne, FL
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
2018-10-09
Northside, NC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I was struggling in my youth and forced to allow my student loan to go into default status. One day I received a phone call that allowed me to get my loan out of default status with income base repayment options. I was told that all the fee 's would be removed from my account upon completion of the payment agreement.
**First Issue** However, after my loan became in active status, I noticed that I was being charged all the interest which had accrued from the time my loan defaulted to present. I have payed on my interest for several years and it was all going towards back interest from within that period.
**Second Issue** I have made at least three request for an unofficial ammortization schedule for peace of mind. I needed to understand how this institution were able to determine my payment amount when all my payments were being applied towards back interest. This financial institution ( XXXX ) denied every single request to provide me with a letter of ammortization for the loan.
**Third Issue** After reviewing my account today I noticed that all the interest previously on my account has now been capitalized and applied as principal on the loan.I thought that legally interest had to remain seperate in order to prevent interest accruing over interest. Especially since I have made all my payments as scheduled according to the lenders terms.
**Conclusion** I believe that XXXX needs to be investigated for attempts on misapplying my student loan repayment and the initial loan documents/terms needs to be evaluated.
Company Response: Closed with explanation
2018-10-09
Jupiter, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I Do Not Currently Have All The dates Or Information to Provide in this Email or Text But If Contacted By my Email XXXX I Can Provide more Information Basically I Attended XXXX Years ago in XXXX And I Was Signed up and Charged a Federal Student Loan I Was Given a Tour of the Campus and An ID Badge I Also was Told by the Staff I Would Recieve a Diploma and Would get an Opportunity to Prepare for a Career Placement or Job in My Field of Study With the Career Specialist I Took Medical Billing & Coding ( XXXX ) However I Began to Fail In Class and Some how I Was Passed GIVEN Good Grades this School had been Under FRAUD And worst I Never Received my Diploma Never A Graduation Invitation Never Took State board Exam for Billing or Coding and Never Got a Career Job I Have Contacted Everbody the State of Florida Education, I Made a Request on the Website for Loan Forgivneesss And I am Still being Billed by FED LOAN FOR THIS PLEASE HELP ME!!!!!!
Company Response: Closed with explanation
2018-10-09
NH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I submitted multiple requests via phone and email about an issue regarding reapplying for income based repayment plans. I spoke with someone over the phone who couldn't solve my problem so I requested he tell his manager I wanted someone who can help me to contact me directly. To be safe I also emailed XXXX XXXX twice and have the emails stating they received my email requests. I did not hear back and so decided to complain to XXXX. After not getting any response back on that it was clear that XXXX XXXX doesn't care about their loan holders in the least bit and contact with them is impossible. Finally after having to complain to XXXX, I got a letter stating to expect a letter regarding my issue as well as a contact person who would be able to help. Its awful that I had to complain to XXXX to get even a poor response.
The letter they sent was full of blatant lies and did not address my concerns. I also was not given a name of a person in the letter and there was no contact information of who I could respond to. There is no way for me to respond!!!!
I complained to Federal Student Aid who emailed me tonight stating my case was closed to and to expect their actual response in the mail in 10 days. I have since filed another complaint since they are ignoring my complaints and not responding in an appropriate or efficient manner.
XXXX XXXX is impossible to get responses from despite repeated requests for direct contact. They never respond and their only responses have been now and in the past blatant lies without any accountability for their inept service.
I feel as though my financial future is not in safe hands and is in danger. I would like to request my loan servicer be changed to one of my choosing. If this can't be done I would request that legal action be taken against XXXX XXXX for documented lies in their responses and blatantly ignoring my repeated requests for help.
Company Response: Closed with explanation
2018-10-09
NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: In XX/XX/XXXX received documentation from XXXX XXXX regarding the amount of qualifying payments I had made in my Public Service Loan Forgiveness Program. The qualifying payments ( total and remaining ) and estimated eligibility dates listed were different than documentation I received in XX/XX/XXXX. I have called XXXX XXXX four times over the course of 14 months. Every time they tell me my review will need more time. After attending a student loan debt seminar, I learned that this was the next logical step in the process of having my issue resolved.
Company Response: Closed with non-monetary relief
2018-10-09
Itasca, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: My loans originated on XX/XX/XXXX but was deferred until I completed school. My payments started on XX/XX/XXXX and my balance was {$100000.00}. Since XX/XX/XXXX I have been making {$870.00} payments ( more that the minimum amount ) without missing any monthly payments. On XX/XX/XXXX XXXX XXXX was added in the amount of $ XXXX.I immediately called and opened up a case. I spoke to numerous people over time including managers and supervisors who agree the amount was falsely added and therefore needed to get corrected. Until then, I would still need to make payments and when this is corrected, the appropriate interest I have been overpaying will be applied back to my principle. I continue to call and either I am left on hold for 50-72 minutes where I later hand up or I get someone who doesn't know the situation and will investigate and get back to me. I never hear back. Each month I see huge differences in the amount applied to interest and principle with no consistency or following of any payment application rules. I am at a loss dealing with an organization that has no concept of customer service or responsibility to the people they service.
Company Response: Closed with explanation
2018-10-09
Royal Oak, MI
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Company Response: Closed with non-monetary relief
2018-10-08
El Paso, TX
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: I received a call from XXXX XXXX on moday XX/XX/XXXX like at XXXX where they told me that they were can I consolidate my student loan they even told me that they were going to remove {$190.00} from my bank account for 3 months and approximately {$19.00} or {$20.00} starting on XX/XX/XXXX. For a moment I didn't even think about that that call could be a scam. XXXX XXXX is the company that lent me my student loan. I feel so stupid for giving them my information
Company Response: Closed with explanation
2018-10-08
Phoenix, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation