AES-PHEAA

2019-10-12

Alachua, FL

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 explanation

Timely Response

2019-10-12

Newark, CA

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

2019-10-11

North Hills, NC

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
Company Response: Closed with explanation

Timely Response

2019-10-11

Fitchburg, WI

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

2019-10-11

Keyport, WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: On XX/XX/XXXX I called Fedloan my servicer to discuss my pending application for renewal. The letter stated it was pending. When I spoke to the lady at customer service she stated it was approved and gave me my new payment amount. She did not state that my deferment was over although I had asked for a 2 month one and she said I was approved. I then removed access to my bank account so they could not take out the auto payment just to be safe. They still did on the 9th without my authorization. This is an illegal access to my bank account and misinformation given to me. No solution
Company Response: Closed with monetary relief

Timely Response

2019-10-11

Newberg, OR

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

2019-10-11

CO

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-10-10

Glendale, CO

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: I had student loans that i thought were set up on a payment schedule or that i would receive a bill notifying me when they were due. Unbeknownst to me i had to set up an account and set up payment without ever being notified. When i finally did get notified in the mail that i was late on a payment i set up the account for automatic payment immediately. I had no idea that i had late payment history on my credit report until recently when i applied for a home loan. I have tried to correct the late payment history with the student loan company but have not success. I had no idea that a payment was even due until they notified me and i paid it immediately.
Company Response: Closed with explanation

Timely Response

2019-10-10

Dallas, 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

Timely Response

2019-10-10

MN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: InXX/XX/XXXX my loans were transferred to Fed Loan Servicing ( PHEAA ), as I am working towards public service loan forgiveness. It took nearly a year for them to process and verify my payments, which only was completed after I filed a complaint with the CFPB. I received a letter in XX/XX/XXXX with the list of payments made. There were six payments that I disputed. For five different payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) I was within a qualified employment window and had bank statements showing a withdrawl, yet they weren't counted. For another payment, it was pulled from my bank account XX/XX/XXXX, posted to my bank account XX/XX/XXXX, which was a Saturday. I had my last day at one qualified employer on XX/XX/XXXX and started a new qualified employment XX/XX/XXXX. Fed Loan claimed I was 'unemployed ' during that payment, even though it was pulled from my account on XX/XX/XXXX, while I was in a qualifying employment. I submitted a letter disputing these six payments that were not counted towards my loan forgiveness despite being in qualified employment and proving the plans were made. This letter, along with supporting documentation, was sent via certified mail XX/XX/XXXX. I verified a few weeks later that it was received and was informed by customer service at Fed Loan Servicing that it would take up to a year or beyond to be reviewed. I sent a second letter via certified mail XX/XX/XXXX requesting an update on the dispute letter and readjustment to my number of payments made. I was informed this was not available to be reviewed and there was no supervisor or any other staff member I could talk to. Additionally, during this time I started school. I was put into a school based deferment in XX/XX/XXXX. I called immediately and completed paperwork XX/XX/XXXX to waive deferment. I was told at that time that if I wanted to continue to count payments towards PSLF that I should keep making payments as scheduled and they would be retroactively applied. I made payments XX/XX/XXXX and XX/XX/XXXX for the full amount of what was due. When I spoke with Fed Loan in XX/XX/XXXX I was informed they had not gone back and applied those two payments that I made on deferral to my qualifying payments. Now, instead of being eligible for loan forgiveness in XX/XX/XXXX, they are stating I will not be eligible until XX/XX/XXXX. I would like the payments I made while in qualifying employment to be applied appropriately. I am attaching the original dispute letter from XX/XX/XXXX, along with the payment documentation. I'm also enclosing the other complaint letter from XX/XX/XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-09

Tampa, 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

Timely Response

2019-10-09

Seal Beach, CA

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-10-09

Philadelphia, PA

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: my account have been on forbearance because I was in a divorce situation and had no job and subsequently moved to where I am now.. I was challenging for me to resettle and start finding job. Sometime, I hardly able to pay my phone bill and my phone had to be off for couple of days. Most of these times, I informed Fed loan of my inability to pay my loan. With this thought in mind, I feel I should have no delinquent remarks on my Credit report and I am requesting kindly your intervention in resolving my credit report issue.
Company Response: Closed with explanation

Timely Response

2019-10-09

Oaklevel, VA

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

2019-10-09

Nyc, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: Starting on XX/XX/XXXX, when I received SNAP benefits, I have applied now 3 times now for a 12 month Economic Hardship Deferment from FedLoan Servicing / Pennsylvania Higher Education Assistance Agency / US Dept of Education, for my subsidized and unsubsidized Stafford loans. Since I am a SNAP recipient, by law I am entitled to a Deferment so that my subsidized loans do not accrue interest. However, FedLoan Servicing / Pennsylvania Higher Education Assistance Agency / US Dept of Education keep rejecting my application and instead placing my loans in short forbearance, first for only 2 weeks and today for only 2 months. I noticed this was never a problem under Obama, but was under the Bush administration and now under current admin and XXXX. I submitted the appropriate documentation, I am entitled to a Deferment.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-09

Houston, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I received a bill dated XX/XX/XXXX from myfedloan stating I owed {$290.00} on XX/XX/XXXX. The breakdown of that bill is as follows : Loan Disbursed XX/XX/XXXX current due amount of {$73.00}. Loan Disbursed XX/XX/XXXX current due amount of {$69.00}. Loan Disbursed XX/XX/XXXX current due amount of {$43.00}. Loan Disbursed XX/XX/XXXX current due amount of {$0.00}. Loan Disbursed XX/XX/XXXX current due amount of {$100.00}. Loan Disbursed XX/XX/XXXX current due amount of {$0.00}. On XX/XX/XXXX I made a payment of {$330.00}. The break down of that payment is as follows : Loan Disbursed XX/XX/XXXX payment of {$73.00}. Loan Disbursed XX/XX/XXXX payment of {$69.00}. Loan Disbursed XX/XX/XXXX payment of {$43.00}. Loan Disbursed XX/XX/XXXX payment of {$0.00}. Loan Disbursed XX/XX/XXXX payment of {$100.00}. Loan Disbursed XX/XX/XXXX payment of {$39.00}. ON XX/XX/XXXX I logged into my online account and saw a warning message informing me that my loan which originated on XX/XX/XXXX for an initial amount of {$2300.00} was past due. The bill I received said that I did not need to make a payment as it had my current amount due at {$0.00} so I did not make a payment toward that loan. I called myfedloan on XX/XX/XXXX and spoke with a male representative who told me that I was past due and I needed to submit a payment of {$47.00}. He could not explain to me how this loan went from being paid ahead to past due. After I hung up with him I submitted an additional payment of {$47.00} to Loan Disbursed XX/XX/XXXX to avoid a negative mark on my credit report. I received a letter dated XX/XX/XXXX from myfedload stating that my loan terms had changed and that I was no longer on the Graduated repayment plan, but moved to the Standard repayment plan. I never requested or agreed to this change in my loan terms. On XX/XX/XXXX I called myfedloan and spoke with XXXX employee ID XXXX at extension XXXX. I asked her to explain to me why my term loan had changed. She was unable to figure out why the terms had changed on the 57 minute call. She told me she would research and call me on XX/XX/XXXX. I did not receive a call. On XX/XX/XXXX I called XXXX and ask her to explain to my why my loan had changed. She stated that it had changed because I was paying ahead on my loan and the system automatically changed my loan terms. I asked her to provide me with any documentation or proof that showed I agreed to allow for my payment plan to be changed. She stated she would email this to me. I currently awaititing for this email. I never agreed to change my loan repayment plan. I was never made aware that my loan could autmatically change repayment terms if you pay ahead on your loans. My loan repayment plan should have never changed. I would like my repayment plan to be reverted back to the original agreement I approved of which was a Graduated repayment plan.
Company Response: Closed with explanation

Timely Response

2019-10-08

Arsenal, PA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I went to XXXX in XX/XX/XXXX-XX/XX/XXXXand I feel like I was pressured to take out loans I did not want to. Also, the school never helped me with finding a job as they advised me that they would.
Company Response: Closed with explanation

Timely Response

2019-10-08

Sylvester, GA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I am currently working a XXXX which qualifies me for the Public Service Loan Forgiveness program. The first issue I'm having is it's been two years of FedLoan reviewing my case to award me credit for back months of credit toward the Public Service Loan Forgiveness. My second issue is that I recently filed Chapter XXXX Bankruptcy and sent them the paperwork that my student loans were left out of my bankruptcy so I can continue to be on the payment plan to receive credit toward the Public Service Loan forgiveness. The company sent a letter to my bankruptcy attorney after refusing to discuss the issue with me stating I could make payments but they would not apply toward the Public Service Loan Forgivenss program because I am in bankruptcy and they can not bill me. My attorney is saying when a lender is left out of the bankruptcy they can bill you. I would like to have my credit go toward my Public Service Loan Forgiveness that I qualify for. This is absolutely ridiculous that I can't receive the credit. I was receiving the credit and my payments was XXXX. Please help me get the credit I deserve. I will be in bankruptcy for 5 years working this plan. That is over half the time needed to qualify for forgiveness. I will come out of bankruptcy still facing {$80000.00} in student loan debt.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-08

Tupelo, MS

Credit monitoring or identity theft protection services

Student loan: Federal student loan servicing

Billing dispute for services
Complaint: I was on an Income Driven Repayment plan for my student loans so I owed {$0.00} on my student loans. Apparently they sent out mail to an address that was incorrect about the billing. Therefore, I did not get it. I got a call the other day from a loan servicing and talked to them and they transferred me to someone else and had all of my loan information wrong. I looked at my credit today for the first time in a while expecting it to go up because I had been paying my stuff. It went down 142 Points. I called today and they set me up with a new account to where I can get renewed on another repayment plan. I asked them if they would remove the report from my credit where they said I had been late on all my student loans for the couple of months. They told me to reach out to someone else and dispute the credit report on them since I didn't know I was late at the time. I need this taken off of my account, because my credit was in the low 600s and now its around XXXX because of this mistake.
Company Response: Closed with explanation

Timely Response

2019-10-08

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

2019-10-08

PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: For almost 2 months now I have had issues with MyFedLoans incorrectly charging my account. I am in " paid ahead status '' on all of my loans, but despite this, they've told me their computer system does an equation ( which they don't know ), that calculated my loans would not be paid off in time so my monthly amount went up almost {$200.00}. Despite countless phone calls and conversations with managers that said they saw the problem, would work on it personally, and call me back directly, they issue was never fixed. I took it upon myself to refinance with a different company who paid off all but XXXX of my loans serviced through my fed loans ( I did not switch XXXX loans because they had a lower interest rate with Myfedloans ). I saw my full direct payment was going to come out of my account from Myfedloans despite having most of my loans newly paid off. They told me they couldn't stop the payment, but if I called back after the fact they could place it all on the loan of my choosing. I called back and they said that they couldn't change anything. After my loans were paid off my monthly amount due initially went from {$1600.00}, to {$110.00}. Now after a few days the computer has reset it back to {$1600.00}. Also, despite being paid off the system has not yet marked my loans " paid in full '' ( 15 days later ). I have discussed this staff at MyFedLoans who told me it would take a full 20-30 days to mark as paid in full, and that I " over paid '' on some of the loans and the computer would reflect that by placing that over payment on my remaining loans. I have absolutely ZERO confidence that this company is going to be able to correctly fix any of the issues that I am having. Their customer service representatives have consistently tried to explain at length issues with my account they clearly do not understand and make absolutely no sense. Calling and speaking with their " supervisors '', does absolutely nothing to resolve any issues. I've now over paid on loans that should reflect being paid off and they are STILL trying to charge me large sums of money every month even when I have such a small loan remaining. I desperately need help. I need a definitive solution for these on-going issues.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-08

Goodview, MN

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-10-08

Crossings, 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

2019-10-08

Conyers, GA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-10-08

Huntsville, AL

Incorrect information on your report

Student loan: Federal student loan servicing

Information is missing that should be on the report
Company Response: Closed with non-monetary relief

Timely Response