AES-PHEAA

2018-07-27

Syringa, VA

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

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

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

Timely Response

2018-07-27

Riverside, CA

Incorrect information on your report

Student loan: Private student loan

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-07-27

Charleston, SC

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

2018-07-27

Louisville, KY

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

Timely Response

2018-07-27

Smyrna, GA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Closed with non-monetary relief

Timely Response

2018-07-27

Nashville, TN

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Complaint: XXXX XXXX XXXX is not reporting the payments I make each month to XXXX, XXXX, and XXXX. I reached out to then Via email and they said they send the information over to all 3 credit bureaus and theres nothing they can do about it. I have reached out to all 3 credit bureaus and each advised that XXXX XXXX XXXX simply is not reporting my payments. The only payment they are showing is for XX/XX/XXXX nothing after XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-07-27

Newnan, GA

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 XXXX 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 XXXX 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 2016.
Company Response: Closed with explanation

Timely Response

2018-07-27

NV

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: I have submitted applications for XXXX Loan forgiveness as a XXXX and XXXX XXXX in a XXXX XXXX XXXX working for 6 years. I have been denied 4 times and given conflicting and false reasons for the denials. XX/XX/XXXX- Denied for missing information from CAO. I have a copy of my submitted application and all information is present. Called and representative could not give me information and what was missing as their retrieved copy showed all information being present. XX/XX/XXXX-Denied for exact same reason as before and again not helped when called. XX/XX/XXXX-Denied because my XXXX was not listed on the low-income directory until the XX/XX/XXXX XXXX year. I call and representative tells me to reapply at the end of the XXXX year on XX/XX/XXXX. XX/XX/XXXX-Denied because missing CAO employment dates despite my copy of the submitted application having the dates and information all present. Plus denied because my XXXX is not listed on the low-income directory! I've checked the directory which shows my XXXX as well as this information being the exact opposite of the last denial reasoning. I don't know what to do. I make copies of my applications, I call, and email XXXX XXXX. The representatives pull up my application and are always at a loss as to why I was denied based on missing information. The issue regarding my XXXX not being listed is simply beyond me. I need help, please.
Company Response: Closed with explanation

Timely Response

2018-07-27

South Florida, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I am a teacher trying to qualify for Public Service Loan Forgiveness. XXXX XXXX promised to me on or about XX/XX/XXXX that by participating in the graduated payment plan, which ultimately required me to pay more money per month, that I would achieve loan forgiveness no later than XX/XX/XXXX. Additionally, XXXX XXXX placed a deferment on my loans when I did not request a deferment orally or in writing. Subsequent to that discussion, my loan servicing company, XXXX XXXX, was replaced with XXXX. Once XXXX took over the servicing obligations, I was told that XXXX XXXX gave incorrect advice and that XXXX would not honor the agreement entered into by XXXX XXXX, to wit : that by entering into the graduated payment plan, and paying more money per month than I would have otherwise, I would receive loan forgiveness by XX/XX/XXXX. Due to XXXX XXXX dishonesty and misleading conduct, and due to XXXX refusal to honor an agreement made regarding my loan, I have suffered the following harm : 1. I was deceived and coerced into making a higher monthly payment than I would have otherwise been required to make ; and 2. My loan forgiveness date was extended by at least 5 years, which means I am now making a higher monthly payment for a longer period of time ; and 3. I have had to seek the advice of counsel to address this issue, which has caused me to incur out of pocket expenses that but for the deceitful conduct of XXXX XXXX and XXXX, I would not have occurred. In short, I have made 120 payments that should have been qualifying, and I am now being told that half of my payments did not count for various reasons. Whenever I speak with XXXX customer service, they tell me that I am correct, and they do not know why I am not getting credit for most of the payments, but they are still not correcting the issue. They are now telling me that it takes up to a year to investigate these problems, when I should already have my loans cancelled in a couple of weeks. I have asked for these issues to be resolved several times a year for the past 5 years, but they have not been addressed. In fact, some of my loans are expected to take LONGER to repay, even though I have continued making on-time payments. When I sent them the above letter asking them to honor the loan forgiveness I was promised, the responded by sending me a list of my loans and their interest rates, which clearly did not address the issue.
Company Response: Closed with explanation

Timely Response

2018-07-27

Bentley, MI

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2018-07-27

Springfield, MO

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Complaint: There was not a specific option for my issue. My daughter went to college, I co-signed her loans. She failed to pay the so I am stuck with them. One specifically is being paid to XXXX XXXX, they were in the middle of a lawsuit/settlement due to not being able to provide proof that they in fact own the loans. I have never seen a document from them proving that I in fact own them the loan? Amount is around 40, 000?
Company Response: Closed with explanation

Timely Response

2018-07-27

Portland, OR

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2018-07-27

Cooper City, FL

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

2018-07-26

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-07-26

Portland, OR

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I am not sure if this is the appropriate menu choice for my concern. I have 3 student loans - two of which I have been repaying since XXXX. My employment since mid XXXX has been in PSLF qualifying positions with the exception of a few months. If it doesn't add up to 120 months, it is darn close. My concern is about these two old student loans, not my more recent loan for grad school. Due to confusion about PSLF and how the program worked, in addition to inconsistent information, I did not re-consolidate my loans to XXXX XXXX from XXXX XXXX till XXXX. I am hopeful that by the design of TEPSLF, I may qualify for forgiveness for these two older loans. I have emails documenting all of the interactions described below. To date, I emailed TEPSLF to inquire about details and whether or not I may qualify - didn't want to waste their time or mine! I was effectively told to go away, apply for PSLF and be denied before they would engage me in any dialogue. I applied for PSLF around XX/XX/XXXX, and my application for some reason was converted to an ECF in the XXXX XXXX system. I re-applied for PSLF again XX/XX/XXXX, and was subsequently denied a few weeks later. I then promptly emailed TEPSLF per the instructions on the Department of Ed site, and the reply was that I was ineligible because I hadn't applied for PSLF and been denied. I then replied to this email and attached the denial letter from XXXXXXXX XXXX and asked that they reconsider this. I also called to inquire, and was told by the operator that since my loans pre-XXXX were not XXXX XXXX, I shouldn't be concerned - my loans hadn't been " the right kind '' so I wouldn't qualify for TEPSLF anyway. Besides, I had been paying on them for 6 years, so I only had 4 to go! In fact, my tally of qualifying payments is closer to just under 5 years per the XXXXXXXX XXXX evaluation from XX/XX/XXXX. I asked that I receive an official evaluation and documentation of my approval ( or expected denial, per her feedback ). At this point, I am awaiting feedback from my last TEPSLF email requesting reconsideration of my request and including the PSLF denial letter sent XX/XX/XXXX. As with many experiences with XXXX XXXX and XXXX XXXX I have found that if I speak or email 3 different representatives with the same concern, I get at least two different answers. This is still very frustrating, but expected at this point.
Company Response: Closed with explanation

Timely Response

2018-07-26

Brooklyn, NY

Problem with fraud alerts or security freezes

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

Company Response: Closed with explanation

Timely Response

2018-07-26

Occoquan, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have tried to work with XXXX XXXX to get my number of qualifying payments corrected. I had the Department of Education Ombudsman check the number of payments and XXXX XXXX XXXX did not correct the number. I have made more than the 120 qualifying payments but right now, they are showing I've made only 55 payments. Two years ago, they showed 47 payments made. These numbers are both wrong. I believe I've held up my end of agreement and want Fedloan Servicing to do their part. My Student Loans are over 25 years old. The original amount was {$40000.00}. I've paid more than {$100000.00} and still owe {$170000.00} as of XX/XX/XXXX. XXXX XXXX University - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX in XXXX XXXX - XXXX
Company Response: Closed with explanation

Timely Response

2018-07-26

Cheverly, MD

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I called XXXX again today and they claim that CFPB never sent them any information regarding my account. However, I have included documents.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-26

Baltimore, MD

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

2018-07-26

Deer Ridge, MO

Problem with additional add-on products or services

Payday loan, title loan, or personal loan: Installment loan

Complaint: Took out a student loan for XXXX University in XX/XX/XXXX for just that year to pick up courses. I was eventually charged over {$33000.00} for one year of online classes. I do not know how it became so expensive ; I did not sign for that much money. How is it possible to spend that much? I feel like I am being ripped off. I think the loan company is taking advantage of me and adding to my loan. I have been paying twice a month ( averaging {$400.00} per month ) since XX/XX/XXXX and it is still over {$20000.00}.
Company Response: Closed with explanation

Timely Response

2018-07-26

Orchard Park, NY

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2018-07-26

Macon, GA

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

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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-07-25

Berkeley, CA

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

2018-07-25

Washington, DC

Struggling to repay your loan

Student loan: Private student loan

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

Timely Response

2018-07-25

Jamaica, NY

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

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

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

Timely Response