AES-PHEAA

2018-05-14

Tonalea, AZ

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

2018-05-14

Johns Creek, GA

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

2018-05-14

Boardman, OH

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2018-05-14

Chesterfield, MI

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

2018-05-14

Warren, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: OnXX/XX/XXXX, XXXX XXXX sent me a form with the results of my Public Student Loan Forgiveness Program annual submission. The 12 monthly payments were applied to my total amount of payments. Their letter, dated on this day, detailed : Qualifying Payments ( total ) : 86 Qualifying Payments ( remaining ) : 34 Estimated Eligibility Date : XX/XX/XXXX On XX/XX/XXXX XXXX XXXX sent me another notification. This time, they had differentiated each type of loan and the colleges I had worked at ( for public loan forgiveness ). And in this letter, it said the following with regard to my payments : Qualifying Payments ( total ) : 43 Qualifying Payments ( remaining ) : 77 Estimated Eligibility Date : XX/XX/XXXX I called immediately upon receiving this. The XXXX customer service agent for Public Student Loan Forgiveness ( PSLF ) told me that XXXX XXXX had changed their computer software and that some people had lost some payments in the process ( she had said she had spoken with a few that same day ). She apologized for this -- confirmed the data I had was correct from XX/XX/XXXX, and then said she would submit a request to correct this information. She said it would " take up to 3 months '' to review this. In XX/XX/XXXX, I received the incorrect data on the number of payments I made. Same thing happened inXX/XX/XXXX. In mid-XX/XX/XXXX, after receiving the incorrect data again, I called back. This time, the person on the phone told me that they were still " reviewing it '' and that it would be more than 3 months. The agent said it could take anywhere from 6 months or longer -- " no telling how long, '' she added. This greatly disturbed me. On XX/XX/XXXX, I received a request for the annual update. In it, they threaten that if I do not submit this information within 10 days of XX/XX/XXXX they are threatening to revoke my student loan reduced rate ( from {$250.00} to {$1800.00} a month ). I called on XX/XX/XXXX. I spoke to a woman in the escalation department. She said that the review process for my monthly payment amounts is 3 - 4 months of time, but in " work days, '' so that would mean more than 3 - 4 months in total. She added that many people have been waiting longer, than XXXX XXXX is " the only company '' to provide the PSLF, and that it takes a lot of time to go through and count all the months. It takes hours upon hours. When I said that this explanation of time was different than the last two times, she did not respond. When I said that it was different about counting months versus correcting an internal mistake your own company generated, she did not comment. When I asked her why I should file an annual report on my monthly payments when her company can not track them, she did not comment. When I asked her who I should direct my complaints to -- as I had written to XXXX XXXX and received the standard reply " it is being reviewed '' she said " The Department of Education. '' I explained the Department of Education is quite vast -- which division supervises XXXX, she said this was " internal information, '' and not available to customers. I do not understand what is happening. If a company uses new software that disrupts their own data collection, they need to tend to it in a timely fashion. If they are unable to keep track of my qualifying monthly payments, how will I know if they will acknowledge/recognize when I have reached my final payment? Why should I pay on time if my payments are not being accounted? I have waited 5 months with no changes to their mistake. They are now threatening to revoke my reduced payment amounts if I do not submit my annual reports, but these reports will be added to the incorrect number of payments ( and I worry that if I do submit this report, I may in the process, validate the false numbers they have been maintaining since XX/XX/XXXX ).
Company Response: Closed with non-monetary relief

Timely Response

2018-05-14

Five Points, NC

Incorrect information on your report

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

Account status incorrect
Complaint: I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XXXX XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-14

Milwaukee, WI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XX/XX/XXXX I called XXXX XXXX to check on status of account due to confusing letters I received stating IDR was denied and my payments would increase to {$770.00}. I was transferred to 3 different people. I spoke to an IDR specialist, XXXX ( female ) ID:XXXX. She stated that I was previously in deferment due to school enrollment status and that is why my IDR plan was denied. She said the application I submitted for XXXX XXXX for a different loan actually went to all of my loan servicers, which is why XXXX changed my payment, and I checked I wanted the lowest payment possible so they put me on a standard repayment plan, although I don't believe the " standard repayment plan '' would qualify as the lowest possible amount. She said I should apply online for a short forbearance in order to allow them time to process my request and then submit a paper application to renew IDR so that it would only go to XXXX XXXX. She helped me navigate which boxes to check on the paper application. She informed me I would need to sign into my online account and then click " manage repayment '' and then click " postpone payment '' to apply for forbearance to avoid making the payment of {$770.00}. XX/XX/XXXX I found the forbearance application to be confusing, so I called back and spoke with XXXX ( ID XXXX ) who told me I should not apply for forbearance, but to suspend my direct debit, which would last for 1 month, and then submit my new application right away. She did it over the phone. XX/XX/XXXX I uploaded my IDR application and Tax Return documents for both my husband and myself on the XXXX XXXX webpage, using the instructions provided to me on the phone by XXXX ( see above ). XX/XX/XXXXI received an email from XXXX about my new repayment terms. I have two repayment plans IBR and Regular Pay as you Earn. My total monthly payment will now be {$130.00}. XX/XX/XXXX I called to ask why my student loans increased by {$60.00} when my income has not. I speculated that my one-time tuition reimbursement may have made my income look like it increased. The person I spoke with said to file another application for re-calculation, mark that my income has changed, and then I would submit paystubs. She said that the person who told me to suspend my direct debit gave me " bad advice '' and that I still have a past due amount of {$770.00}. She said a verbal forbearance would transfer the past due amount to the end of the loan. She read me the terms and I agreed. She stated payments will resume on XX/XX/XXXX. XX/XX/XXXX - My husband checked our bank account and noticed that an amount of {$770.00} had been taken out by XXXX XXXX. I called and inquired as to why. I spoke with Employee ( ID XXXX ) who transferred me to an IDR Specialist upon hearing my concern. I then spoke to IDR Specialist ( ID XXXX ) who informed me the issue could be cleared up. He said that because I was on Direct Debit and had just applied for a new IDR term, that it was the " perfect storm '' and that this issue happens often. He informed to call my bank and say the " two magic words - Unauthorized Transaction. '' He said the payment was not posted on their end, so it had not be processed and that my bank should cancel it. I called my bank, who informed me the payment had already been submitted and had left my account. I called XXXX back and spoke with XXXX ( ID XXXX ). He informed me that the payment was not posted on their end, so I would have to keep calling back to check on the status of the payment and then could file to have a " credit. '' I asked him how long it would take for me to receive the funds. He put me on hold and spoke with a superior. He then told me that I would be able to receive my refund in 30-60 business days. I asked him if I could file a complaint. He said he could note it on my account. I informed him I wanted to file a formal complaint. He put me on hold. When he returned, he told me he was able to file a complaint. My overall issue is that I took all of the proactive steps on my end, within my own capacity, to ensure that I was submitting all evidence required to make affordable and on-time payments. Upon each communication with XXXX XXXX, I followed-up to ensure I was complying with my repayment terms in a way that was affordable for me and my family. I took all of the necessary steps, as directed to me by XXXX employees, to ensure the payment of {$770.00} would be avoided. The bad advice of XXXX lead to an extra {$770.00} being added to my overall loan amount. Then, upon the advice of the next person who told me that XXXX had given me bad advice and has ended my direct debit suspension, I still ended up paying the amount of {$770.00} - and now I am required to call XXXX everyday to inquire about the status of the payment that should not have been made in the first place. And, I am not even guaranteed a refund, and if I am, I have to wait 30-60 days to receive a refund for a payment amount that I have been proactively trying to avoid since XX/XX/XXXX because I can not afford that amount. Now, my checking account has gone negative, which will also cause me to pay an overdraft fee to my bank - all for a payment that was not supposed to be taken out.
Company Response: Closed with monetary relief

Timely Response

2018-05-14

AR

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XXXX I enrolled in XXXX XXXX part time. My XXXX XXXX sent my loan provider ( XXXX ) my letter stating my enrollment. XXXX XXXX XXXX starts in XXXX. So I called asking to take my direct debit off my account. The agent I talked to suspended it instead. I still had payments coming out. I called about this, I was told they were resubmitting the documents. XX/XX/XXXX comes and I talked to XXXX ( XXXX ) and I was told I was denied half time but don't worry about it, she was resubmitting the request and I have 90 days to make my payment.I call back XX/XX/XXXX. XXXX ( XXXX ) puts in a request for deferment for direct debit to be taken off and the call was dropped. I called back and spoke with XXXX ( XXXX ) who told me I was taking 6 hours which is not part time so I was not eligible for school deferment and that was why my letter was rejected. I was told to log in to the web and re-certify based on my income right now ( which I am currently unemployed ). I called my school and was told XXXX taking 6 hours are considered 1/2 time and I was given wrong information. I called back XX/XX/XXXX and talked to XXXX ( XXXX ) and was told I signed a waiver when I worked for the XXXX XXXX XXXX XXXX and that is why my school loan forgiveness is not attaching to my account. I was told I needed to sign a form to remove the waiver from my account and he was mailing it out to me. I called today XX/XX/XXXX as I still had not gotten the waiver. I talked to XXXX XXXX who transferred me to XXXX ( XXXX ) who was very rude and condescending and let me know that no one had misinformed me of anything on my account. He continued to interrupt me when I tried to explain to him what XXXX told me was wrong ( that I WAS eligible for deferment ) and that EVERY agent missed the waiver.. he was just so rude to the point I screamed at him and hung up. I plan on looking for a new student loan service.
Company Response: Closed with explanation

Timely Response

2018-05-14

Chester, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: PSLF RUNAROUND. I QUALIFY AND NOW BEING TOLD AFTER TRANSFERRING THE LOAN SOME TIME AGO BASED UPON XXXX RECOMMENDATION THAT MY ACCOUNT DIES NOT QUALIFY. DECEITFUL CONVOLUTRD PRACTICES. DEALING WITH THIS SINCE XX/XX/17. PAYED ON THE LOANS FOR NEARLY 20 YEARS AND NOT ONE DIME IF PRINCIPLE HAS BEEN PAID DOWN. A DISGRACE.
Company Response: Closed with explanation

Timely Response

2018-05-14

Reno, NV

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I called Client Processing after listening to a commercial stating they can help save time on your school payment if you are a First Responder. This process started in the fall of XX/XX/XXXX, XX/XX/XXXX. The loan was held with ACS ( I believe ). I called and discussed my consolidation with them. They did not disclose that the payment count would go to zero. Thus wiping out my prior payment records. They didn't review the interest rate changes, nor the possible changes in payment amounts. Without discussing the payment count - they basically wiped out my prior payment records. They also stated it was " really '' hard to apply for this payment plan on my own. I began the process. They stated they would need signatures to continue. I told them on multiple phone calls that I did not want to proceed at this time. I told them I wanted to wait until I had my tax returns. Multiple times, they emailed/called stating I had to sign and return their packet. I refused and again stated I was intentionally NOT proceeding. Then, in the spring, while I was on military orders, they pushed the consolidation through, without verbal or written consent. I am now forced into a new loan and payment plan, that I did not agree upon. This company mislead me and committed fraud by proceeding without my consent transferring to XXXX. They also completed an SRCA violation due to the loan transferring while I was on military orders, XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-05-13

Swiftwater, 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

2018-05-13

Chicago, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have contacted the Pennsylvania Higher Education Assistance Agency ( DBA XXXX ), 4 separate times about waiving my in-school deferment for my Grad Plus loan and direct consolidation loan in order to make qualifying payments toward the Public Service Loan Forgiveness program. Each of the times, I've gotten a different answer. All of these answers allege that there is a " required form '' for waiving the in-school deferment. One of the answers claimed that the form would be provided in my electronic inbox with XXXX within 24 hours. Another claims that XXXX policy prohibits providing this form except for by mail. No such form has been provided to me by any means. In one of my contact attempts, I sent a secure message requesting that my eligible loans be taken out of in-school deferment. Clearly not having read the message at all, XXXX instead canceled my direct debit registration and took no action on my deferment. XXXX continues to refuse to take my XXXX plus loan and direct consolidation loan out of in-school deferment. This action violates federal law, since the decision to accept an in-school deferment is solely mine. Additionally, it constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ), especially since this alleged form is not a U.S. Department of Education requirement - my other federal student loan servicer did not require such a form.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-13

August F. Haw, CA

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

2018-05-13

Bethlehem, GA

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-05-13

Rncho Domingz, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have two student loans currently in repayment status, held by servicer AES. I have auto-bill pay set up to make electronic payments each month. In XX/XX/XXXX, AES stopped processing my payments, though I made no changes to bank bill-pay or my repayment status with AES. When I contacted AES and asked them why they stopped processing my payments, they informed me that I am 'paid ahead ' on my loans until XX/XX/XXXX. So, instead of applying my XX/XX/XXXX., XX/XX/XXXX., XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX automatic payments to my loan principal, they just let the loans sit there accruing interest. Is this legal or ethical? Further, is there a class of other loan customers to which this is happening? In other words, is it an isolated occurrence, just an oversight? Or is AES deliberately not processing payments on 'paid ahead ' loans in a predatory attempt to earn more interest? Can you find out and let us know? Thank you.
Company Response: Closed with explanation

Timely Response

2018-05-12

IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Complaint: I have worked for a XXXX XXXX XXXX for about 18 years and should qualify for Public Service Loan Forgiveness. I have been paying on my loans for about 6 years. In XX/XX/XXXX I sent in an employment verification form certifying my years of public service, and my loans were moved to XXXX XXXX. In two years, I have not received verification of my qualifying payments. I called them about this is XXXX and they said it was weird. They put in an expidited review order and said it should be complete in 48 hours and I would get a letter. I still have not received anything. According to my records I have about 60 qualifying payments. The woman I spoke to on the phone in XXXX said I have way less than that. She listed a number of long forebearances that I did not take. I have bank records showing all my payments. Ive only ever made automatic payments that the loan services said were due. Im not sure what my next steps are. I have done everything right for PSLF yet I cant get anything in writing showing where I stand.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-12

Ave Maria, 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 explanation

Timely Response

2018-05-12

Dellslow, WV

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 submitted a payment voucher from my XXXX XXXX XXXX award in the amount of {$460.00}. As per the process concerning these types of payments, XXXX then submitted a request for verification of my account, which was received by XXXX on either XX/XX/XXXX, orXX/XX/XXXX. XXXX then verified to XXXX my account with them. OnXX/XX/XXXX, payment in the above amount was submitted via first class mail to XXXX This payment was received onXX/XX/XXXX. In the subsequent weeks, this payment has not been applied or credited to my account. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I called XXXX to inquire as to what I should do, since my account was showing a past due balance. I was informed each time not to worry, and that no subsequent payment would have to be made since the payment, when processed would be back dated toXX/XX/XXXX I was assured by each representative that I spoke with, including one supervisor, that this payment would count toward as a qualifying payment under the terms of my student loan forgiveness program. Under the direction of XXXX and its representatives, I have not made another payment for XX/XX/XXXX, even though my account now states that I am fourteen ( 14 ) days past due, and at risk of not having made a qualifying payment for XX/XX/XXXX. I am beyond frustrated. I am concerned, angered, and demand that the payment I made, be credited to my account. I do not understand how XXXX can take this long to process a payment. In waiting, I have been caused a great amount of emotional and mental fatigue. This payment is constantly on my mind, and has caused me to lose weight, sleep, and is beginning to severely effect my physical health. I demand that this payment be credited to my account, and that XXXX apologize for this indefensible delay,.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-12

Douglas, MI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: In early XXXX I called FedLoan Servicing to get switched to Income Based repayment. They said they would send me forms and I never received them. I then called in late XXXX and they told me to complete the process online. I then completed the process online. On XX/XX/XXXX, I got an email from them saying they were missing documentation of my payment history. On XX/XX/XXXX I emailed them back after I verified the document they claim was missing was part of my upload package. I never received an email back. On XX/XX/XXXX I then received an email saying my recertification would not be processed until XX/XX/XXXX but, I had not applied for recertification, I had applied to be put in the IBR program. Currently my loans are delinquent because I can not afford the " standard '' repayment. The servicer has not responded to any of the emails I sent and are unhelpful when I try to contact them in any other fashion. I applied to be put on IBR jointly with my wife 's and we are both having this issue.
Company Response: Closed with explanation

Timely Response

2018-05-12

Birmingham, AL

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

2018-05-12

Juniper Hills, 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
Complaint: I have submitted multiple disputes with XXXX and XXXX requesting validation them to conduct a reasonable investigation of my your disputes, including correcting or deleting any inaccurate, incomplete or unverifiable information. The CRA 's continue to report inaccurate information. The report XXXX XXXX 18 times for the same account. They report different balances, different payment status, wrong/inaccurate monthly payment amounts that have seriously contributed to damaging my credit scores and worthiness. I submitted disputes with the XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, about the multiple account reports ( 18 accounts ) my XXXX XXXX reporting inaccurate late payment information on dates : XX/XX/XXXX ( 90days ), XX/XX/XXXX ( 90days ), XX/XX/XXXX ( 90 days ), On XX/XX/XXXX, XXXX Credit Bureau reported, " We have an update about your Account Dispute. The disputes for the account with XXXX XXXX XXXXXXXX has been updated. '' I have requested proof that I was ever late, but I have never received any response back from the CRA 's or XXXX XXXX. My student loans have always been in deferment status. I have NEVER made a payment towards the student loans due to the deferment or forbearances. The CRA 's are not properly verifying the accuracy of these 18 accounts, and dismissing my disputes as either frivolous, or already disputed. They keep saying, " check your online account. '' Well online account says Deferment, never paid late. '' I'm tired of these CRA 's bullying me, reporting falsely, and I'm the one having to pay for THEIR mistake and incompetency. The CRA 's and the creditor keep submitting information that it knows ( or should know ) that is incorrect. How can the same account report 18 times! If it's the same account, then it should be one large sum. NOT reported 18 times, inaccurate pate payments and so forth. That really damages my credit and I'm trying to get all my responsibilities in order and managed to the best of my ability. In all my dispute requests, I requested evidence that XXXX and XXXX took the necessary steps to obtain access to pertinent documents from the credit grantors that verifies the accuracy of my disputes. I never received the requested information and it does not look like the CRA 's actually verified the accuracy of the accounts. I'm enclosing copies of CRA reports for this account that are all drastically different. If the CRA 's are doing their investigative due diligence, actually verifying that the accounts are acccurate and complete, then why are all 3 CRA 's reporting ALL different baalnces, monthly payments, some have ) monthly payments on the same account, some show different payment histories, some show on time for the same month, but then on a different CRA for the SAME month shows a late payment. I mean which one is it! They are not providing accurate information, and the CRA 's are not actually verifying that the information provided to them is accurate either. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1982 ), the CRA 's are to conduct a reasonable reinvestigation of information on a consumer 's credit report alleged by the consumer to be inaccurate. They are negligent and continue to damage my credit and ability to get new credit.
Company Response: Closed with explanation

Timely Response

2018-05-11

Creston, MT

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

2018-05-11

Lannon, WI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I am on income driven repayment and received inadequate notice from my servicing company regarding the critical deadline that was approaching for my annual recertification. I received absolutely no US Postal mail from the company, no phone calls, or text messages. The only notification I received was an email on XX/XX/XXXX with the unspecific subject " Action Required : View the message in your Paperless Inbox and take action! '' Unfortunately this email was received after my loan servicer had already capitalized all my outstanding interest ( interest capitalization occurred on XX/XX/XXXX ), and had also increased my monthly payment from {$320.00} to {$2300.00}. I received no notification from the company that either of these two major changes to my account had taken place. I had to discover these changes for myself by logging into my account. Upon calling my servicer on XX/XX/XXXX, I was told my only option was to go into forbearance while they reviewed my now submitted ( submitted XX/XX/XXXX ) annual recertification I was also told to call my bank and do a stop payment for the payment that was due the next day. I did inform my servicer that I could still make a payment, just not the full {$2300.00}. My servicer told me that there were absolutely no negative ramifications from going into forbearance. After my initial call is when I discovered that the interest had already been capitalized. I called my servicer back ( still XX/XX/XXXX ) and they said there was nothing they could do to undo the capitalization of interest.
Company Response: Closed with explanation

Timely Response

2018-05-11

Columbia, SC

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2018-05-11

Oak Grove, MO

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: It started in XX/XX/XXXX they called and said they could consolidate loans so i wouldn't have to deal with how long it takes. I haven't clicked accept terms and conditions either. spoke with us dept ed and they said it was a scam and to procede with the investigation XX/XX/XXXX. They took {$160.00} on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX this was fees to get a consolidation, but they never disclosed I could do thru government and student loan sites that are associated with the government for free in 30 min. They also said I have to set auto pay for XXXX $ every month for the service. I have called bank to block them from being able to scam me anymore. I was told they have to legally tell you its free. I did get loans consolidated with payment of XXXX $ or XXXX , but This is wrong to take advantage of someone who has XXXX in debt they have no idea. then they gave me a bogus servicer and they didn't have loans for me. called and they said it is through XXXX which it is. I asked for proof of me say yes on the phone recording of them saying he could do for free, and she hung up and said it takes weeks to do, but I know for a fact that is a lie, I did mine through us dept ed and no fees. What can I do? I want fedloan as servicer but not associated with XXXX. ALSO they told me never to go through my new servicer to call them and they handle everything only to XXXX it up. They had their phone numbers on studentloans.gov and on my servicer XXXX also i said city blue springs mo and they put XXXX XXXX. I have yet to get anything from my servicer regarding payments. Please help or my lawyer will handle it and I spoke to my bank and am filing fraud and so they cant get any more money that I could give to my servicer and i have no signed documents.
Company Response: Closed with explanation

Timely Response