AES-PHEAA

2019-10-16

Cordova, TN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Complaint: I have been with 4 different companies. Have paid them thousands of dollars up front and my loan amount is still the same. I have been out of school for over 10 years and have paid more in interest than my actual student loan amount.
Company Response: Closed with explanation

Timely Response

2019-10-16

GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: Student loans went into default without knowledge of forbearance expiring. Status was cleared as an agreement to make payments for 3 months consecutively. This was completed. I requested to have all negative payment history removed as a results of all balances being cleared and paid through consolidation and they have refused even though accounts are in good standing. The negative history is affecting and preventing me from having a normal livelihood such has finding employment, getting additional school funding and finding a place to live. I've have difficulty doing all these things without the negative history removal.
Company Response: Closed with explanation

Timely Response

2019-10-16

Wall Lake, IA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-10-16

Mohawk, MI

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

Timely Response

2019-10-16

Botts, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2019-10-16

Deer Park, WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with non-monetary relief

Timely Response

2019-10-16

Stkn, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2019-10-16

Five Points, NC

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 when submitting my Employment Certification to verify my eligible employment status for PSLF for the year XX/XX/XXXX-XX/XX/XXXX, it was denied because my account was apparently in " paid ahead '' status, which rendered the payments I did make in that year ineligible for PSLF. This was not an error on my end, this was an error on MyFedLoan 's end, verified by their employee when looking at my account. I was told that they fixed the paid ahead status on their end, but that I would need to have my previous years payments put under audit, to get that year approved. That was XX/XX/XXXX, and I have yet to have this audit processed. I have called MyFedLoan on XX/XX/XXXX ( spoke with EID XXXX ), XX/XX/XXXX ( spoke with EID XXXX ), XX/XX/XXXX ( spoke with EID XXXX ), and XX/XX/XXXX ( spoke with EID XXXX ), and no further updates are able to be provided, other than it has still yet to be processed. When I ask how long in their experience I can expect this to take, I get estimates from 12 months to 5 years.
Company Response: Closed with explanation

Timely Response

2019-10-16

MO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I am filing a complaint against FedLoan Servicing and their administration of the Public Service Loan Forgiveness Program. I am a XXXX and I have student loans. I work for a not for profit employer and I have since XXXX. I qualify for Public Service Loan Forgiveness ( PSLF ) based on my employer and my job. I began making qualifying payments in XX/XX/XXXX. In XXXX XXXX XXXX I realized that there had been an error made, as I had two separate dates for my loans to qualify for PSLF- XX/XX/XXXX and XX/XX/XXXX. I called FedLoan Servicing where they stated they would start an investigation into the issues. They could not give me a resolution date for the investigation. My loans were originally with XXXX, but had to be switched over to FedLoan servicing when I applied for PSLF initially, as FedLoan Servicing is the only loan administrator that does PSLF. FedLoan Servicing claims that I did not make a full payment in XX/XX/XXXX and again in XX/XX/XXXX. This is simply not true. My payments have been on auto draft since I began making them, so unless they auto-drafted an incorrect amount this isn't possible. I am working to reach XXXX to clarify this issue. I have been calling periodically since XXXX XXXX XXXX and there is yet to be a resolution, and it is now XX/XX/XXXX, nor can they provide me with a date to expect a resolution. They will not allow me to speak with anyone in the investigative department. I spent an hour and twenty-one minutes on the phone with a representative name " XXXX '' ID number XXXX, and then her supervisor " XXXX '' ID XXXX. Neither of them were able to resolve the issue or give me a time frame. A simple investigation of auto-drafted payments, with no change in qualifying employers should not take more than a year to complete with no end in sight. I stated this to XXXX who told me that " We simply don't have the resources to answer your questions today. We are the only loan company who deals with PSLF. '' This is a horrendous waste of tax dollars and is disrespectful to the individuals who work hard to provide public services for the betterment of our country.
Company Response: Closed with explanation

Timely Response

2019-10-16

Seaford, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Company Response: Closed with explanation

Timely Response

2019-10-15

FL

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Timely Response

2019-10-15

KY

Credit monitoring or identity theft protection services

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Billing dispute for services
Complaint: Student loan was initially through XXXX. I had applied for student loan forgiveness. Loan was transferred and during this process the loan appears closed on XXXX XXXX and my credit score went down 32 points!! The account is apparently still active as I still have a balance of XXXX dollars and I still have a payment due as of XX/XX/13. This is unacceptable.
Company Response: Closed with explanation

Timely Response

2019-10-15

GA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 150 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Timely Response

2019-10-15

Fort Myers, 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

Timely Response

2019-10-15

Irondequoit, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-10-15

Northbush, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2019-10-15

OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: FedLoan servicing is in violation of 34 CFR 685.209 with how they have set the payment on the on my student loans ( I am on the Pay-As-You-Earn [ PAYE ] plan ). Per 34 CFR 685.209 ( a ) ( 4 ) ( A ) The maximum monthly amount that the Secretary requires the borrower to repay is the amount the borrower would have paid under the standard repayment plan based on a 10-year repayment period using the amount of the borrower 's eligible loans that was outstanding at the time the borrower began repayment on the loans under the Pay As You Earn repayment plan In XXXX of XXXX I received correspondence from Fedloan to recertify my income based plan or my payment would go to the standard payment of {$390.00} ( At the time my payment was around XXXX ). I did get a substantial raise since the last recertification, but did not know how much it would raise my payment. I filled out the re-certification form and choose to give Fedloan access to my tax info from IRS.gov and chose the option to have them review and pick the plan that was most advantageous to me. On XX/XX/XXXX I received correspondence from Fedloan that I would be remaining on the PAYE plan ; however, that my payment amount had increased to {$410.00}. I immediately called them and told them that this amount was higher than the standard repayment plan. I was then told that if I went on the standard plan that my payment would be {$410.00} ( they calculated as if I was put on the standard plan effective that day and not what the payment would be effective the date repayment began as the regulations require ). In XXXX of XXXX I found info on the studentaid.ed.gov that stated the payment amount for the PAYE plan was Generally 10 percent of your discretionary income, but never more than the 10-year Standard Repayment Plan amount. I called Fedloan and tried explaining this, the lady did not quite understand but said due to the misinformation I was given regarding the standard plan in XXXX that she would put in a ticket to try to get the overage refunded to me. On XX/XX/XXXX Fedloan informed me that the request was denied, would not give me any information as to why, and would not let me speak with the department that made the determination. Additionally, one of the representatives provided me with more misinformation ( she told me that the standard plan does not qualify for Public Service Loan Forgiveness, that is most certainly not true ). I am demanding of Fedloan that my payments for the past year be retroactively calculated to be in conformance with 34 CFR 685.209 and that the amount that I have overpaid be refunded expeditiously. Seeing that my payment amount for the past year has been more than the maximum allowed by regulation, and that Fedloan has not fixed the error despite multiple attempts on my end, I believe that there are probably others facing the same situation. For this reason this complaint is going to, the CFPB, the House Education Committee, the House Financial Services Committee, the House Oversight Committee, Congressman XXXX XXXX, XXXX, and XXXX. ( I have tried to send a copy to Fedloan, but their website will not allow me to send the email as it says there is an invalid character, but does not tell me what character is invalid. ) Thank you,
Company Response: Closed with monetary relief

Timely Response

2019-10-15

Jacksonville, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Company Response: Closed with explanation

Timely Response

2019-10-14

Toledo, OH

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Complaint: I reached out to American Education Services ( AES ) on XX/XX/2019 to get copies of my payment history on all of my student loans. I am being sued for {$8400.00} by a different carry, XXXX XXXX XXXX XXXX XXXX, for a loan I confirmed I made payments on through American Education Services. I talk to a representative on XX/XX/2019 at AES and they said they had to mail me the transcripts. After 2 weeks, I still had not received the transcripts. I reached out again to AES and a gentleman named XXXX told me the system showed that the transcripts of my payment history were mailed. To this date, I still have not received my payment history from AES. I need this information in order to prove to the current company suing me that I have made payments.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-14

Norfolk, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with non-monetary relief

Timely Response

2019-10-14

Rockville, MD

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Company Response: Closed with non-monetary relief

Timely Response

2019-10-14

Birmingham, AL

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2019-10-13

Columbia, SC

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with explanation

Timely Response

2019-10-13

Knickerbocker, NY

Problem with a credit reporting company's investigation into an existing problem

Student loan: Private student loan

Their investigation did not fix an error on your report
Company Response: Closed with non-monetary relief

Timely Response

2019-10-13

Clermont, FL

Getting a loan

Student loan: Private student loan

Fraudulent loan
Complaint: Currently had more than 10 loans with XXXX. My school closed they where a scam i came into fedloan tried contacting them numerous times have submitted 3 loan discharge applications and they always say something is missing on my app. I have no information from XXXX university they were a private school who scammed the community all im looking is for a loan discharge they put me on a repayment plan. I have tried to apply at a XXXX college and i have to start going to school again start fresh because the school i recently went to was not accredited. I want fedloan to discharge my loans currently they have me on a repayment plan and although my due monthly is XXXX dollars i am scared that it can go up. I received a letter to renew otherwise i will have to pay XXXX a month their interest rate is ridiculous plus all the forms i submitt they keep deniying and the interest has been accumulating for the past 2 years to almoat 6000 dollars. When you contact department of education they say you have to go thru fedloan servicing in order for them to accept forms i have been trying this since laat year and i keep getting the run around from fedloan i think their service is a scam because they know the school i went to is closed plus they lied to their students and they keep deniying all my request
Company Response: Closed with explanation

Timely Response