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 144
2018-04-30
San Jose, CA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: XX/XX/XXXX To : Consumer Protection Credit Bureau, XXXX XXXX XXXX and XXXX Re : XXXX XXXX XXXX XXXX : Acct # XXXX XXXX XXXX XXXX - Inaccurate information provided to client ( XXXX ) - Poor and non-existing communications to client - Inaccurate and not-at-fault reporting ( not at fault = XXXX XXXX XXXX ) ( amount and cause ) - AES at Fault for current situation - Request for DELETION of unfair and unnecessary report to Credit Bureaus o Unethical, unfair, and erroneous information, poor and lack of follow up communications ( by AES ) o Lack of response from XXXX since XX/XX/XXXX SEE ATTACHED WORD DOC OF FORMATTED DESCRIPTION Current Timeframe in Dispute : XX/XX/XXXX Note : PRIOR scenario that applies leading up to XX/XX/XXXX - started ~XX/XX/XXXX documented in Section II Dear Consumer Protection Beurea and relevant parties, This communication is primarily to escalate through the Consumer Protection Bureau and is being copied to all credit bureaus and AES . As this unfair sequence of events has unfolded, and has become out of control, and has impacted me negatively in an unfair manner, despite all my effort to work with AES and XXXX, since ~XX/XX/XXXX.
For clarity, I have outlined the most recent series of events in the following SECTION I ( in which many errors and untrue information was provided to me ), and included a SECTION II, outlining the beginning of communications and erroneous events ( respectively : since ~XX/XX/XXXX ).
PART I : CURRENT Scenario/Sequence of Events These events led to inaccurate and unfair reporting, that has negatively impacted my credit, of which I strive to retain good standing, and have maintained positive marks for many years ( my credit is of the utmost importance, and I am very careful, aside from having too much debt ; which I am working on ) : XX/XX/XXXX : ( Events leading up to XX/XX/XXXX Erroneous and Undeserved Reporting ) I engaged AES : 1 ) to understand why theXX/XX/XXXX letter to XXXX ( XXXX XXXX XXXX ) had not been responded to ( more on that in following summary from earlier inXX/XX/XXXX) and 2 ) to get solid assistance and clear information ( which I have been fighting for, for many months ) It was stated they did not know why XXXX had not responded { again } ( XXXX took over loan portfolio from XXXX years back ) I asked to please help w/a solution as Ive made continuos effort to assist in a lower payment to enable getting ahead ( my financial situation had changed, for the time being ) I was transferred to a helpful lady, that expressed she did not understand why Id never been offered the reduced 6-month option initially, during the preceding months of various contact ( since ~XX/XX/XXXX ) She explained Id make a good faith payment of XXXX ( XXXX per loan ) o It would bring the account current, and Id have this option for 6-months o *This would allow more time to find out status of the XX/XX/XXXX letter/request to XXXX o Relevant background ; *Please note : prior to 2nd sub bullet above : AES STATED ( months back prior to XX/XX/XXXX ) Id have to be behind more than 30 days for them to be able to assist me in any manner ( a bit unethical, unfair, and inappropriate ) And stated likely could get anything that would be reported, removed I did let a small amount go, to follow direction provided ( Im beyond regretful )XX/XX/XXXX: Good faith {$100.00} payment was made / and account was brought current as stated by AES ( Also of note : I was under the impression this {$100.00} payment would cover the 1st payment for the XX/XX/XXXX reduced payment schedule : was it deducted from the balance? These # s are still unclear, and clarity of what is truly owed/ after all this is still in question ) oXX/XX/XXXX., XX/XX/XXXX andXX/XX/XXXX : {$100.00} payments were made per the plan o I went to make the XX/XX/XXXX payment and noted that a high amount was showing to be paid I was confused, and made a {$200.00} payment to coverXX/XX/XXXX and XX/XX/XXXX ( late for XX/XX/XXXX. as I had been confused, regarding what was going on ) I had received a call at one point and argued that the system was in error, still confused, and was working more than 15 hours a day and need to talk to someone that could properly explain what was going on. Nothing was resolved, no call back, no help.XX/XX/XXXX: I called at XXXX for another lengthy call ( 47-minutes ) ( Two reps : XXXX and XXXX and one good faith payment woman ) : o Spoke with representive 1 : He said just put the extension for the 2nd 3-months, and the balance will come current, and not to worry, and that clearly there was a misunderstanding about needing to re-input the next 3-months ( why AES does the process this way, Ive no idea, not logical ) o I continued to express concerns over the other issues : 1 ) the communication not being accurate, or followed up in a timely manner, and that it there was no WRITTEN detail that this 2nd part of the 6-months had to be redone ( there was no written detail of this from AES ) 2 ) That the XXXX letter still had no response ( from XX/XX/XXXX) 3 ) And that no one ever addressed the small reported amount from months back ( THIS IS SEPARATE from RECENT ERRONEOUS REPORTING IN XX/XX/XXXX ) This person did not care to address these issues or escalate, and transferred me to a rep to pay a good faith pymt of XXXX ( ignored my concerns ) while they re-input the additional 3-months of the 6, and stated all would be brought current ( which turned out to be WRONG ) When on the line w/the good faith pymt woman, I continued to express my concerns : and she thought it important to speak w/another Sr. Agent : ( I thought she was still putting the payment through, as I had shared all was authorized and same account information as in my account ) o Transferred again to new agent/Rep # 2 : ( XXXX or XXXX/notes are not clear which was first ) o This agent/Rep # 2 listened very kindly, and with detail : He looked at history and options He commented that XXXX may not have responded and perhaps it is their way of declining I responded that is unethical/unacceptable/illegal : they have a legal responsibility to respond ( that is like me saying I do not have to be responsible and respond to AES/or pay my bill and expect no consequences ).
He offered kindly, to again re-forward the letter, and to the in-office liaison ( which, I was told before there was one, then was told there was not one : B/c I now presume the LIASION LIKLEY DID NOT WANT TO ASSIST, nor did AES for the most part ) This Rep found a 24-month deferral of which he stated I should have 12 months remaining for use I questioned this as in earlier months AES ERRONEUOSLY gave me that option ( then FAILED to communicate it was not available to me this is documented in SECTION 2 ) He said he thought it was worth a try : - Hed input for the 12-months - And we have the remaining 3-month on the 6-pay as our backup, so not to worry ( this sounded reasonable to me, and he was very kind and seemed knowledgeable ) - I stated I was concerned this would go into 30 days and be reported - He responded and said not to worry as we had time, as reporting was not done until month end - He stated Id hear if 12-month deferral is approved very quickly and reiterated we have the 3-month back up in place so itll be covered no matter what ( again, sounds safe/reasonable ) AND remember I was told earlier : the continued 3-month would bring acct current ( by 1st rep ) so no worries I NEVER RECEIVED any update on the 12-month option nothing : no written communication, no phone call, NOTHING.
I did ~14 days later see you did not make your good faith pymt on the 3-month option and it has been cancelled { paraphrased } ) My initial thought ; where is the 12-month response?? Perhaps it is moving forward And why did no one ask me for the good faith payment in writing or via phone? If that needed to be taken care of : why no follow up? I thought is was taken care of!
In the meantime the amount past due was increased : I looked Friday evening on XX/XX/XXXX : and it was in danger of going to the 30 days It WOULD NOT allow payment to be marked for theXX/XX/XXXX, or theXX/XX/XXXX : as the weekend was in play ( and AES lives on an EST cutoff I WORK 15 hours a day I cant time on these hurtful consumer practices and relied on AES to communicate properly! ) VERY DISTURBING I went ahead and paid {$100.00} to test and hope it would show in best timing of course not it saysXX/XX/XXXX paid ( despite being told explicitly to NOT pay as it would come current ) XX/XX/XXXX Called ( 1st thing Mon ) : expressed all errors from AES, was greatly upset/panicked : o They apologized, and said the reporting occurred over the weekend and too bad that is how it works ( So, they can report over the weekend but not credit for a XX/XX/XXXXpayment in the system at XXXX??? Unfair consumer practices/leaving a consumer in a bad spot especially after being given inaccurate info and NO COMMUNICATION ON STATUS of the 12-month OPTION AND I WAS WORKING WITH AES very diligently. I was infuriated ) o While on the phone, I panicked, and PAID {$720.00} ( so now a total of {$820.00} has been paid, plus the XXXX paid earlier in XX/XX/XXXX = XXXX ) I expressed that was not right ( AES told me NOT TO PAY before b/c it would come current with either scenario above composed on XX/XX/XXXX) So here I am. I do the right thing because I value my credit, AND had made all efforts to work w/AES ( and XXXX ) I get completely damaged credit, by believing all the erroneous information, and experiencing no follow-up from AES. ( My score dropped >80 points!!!! NEVER do I not pay my bills ) o Next step : after apologies from AES and statement that their hands were tied : I verbally shared again all their errors and statements the rep responded that now that I laid it all out as I had it may be that there is a case to get deleted ( but, it should never have gotten to this point at all, I dont have the time for all of this ). They said they rarely delete anything ( opposite of statements earlier in XX/XX/XXXX).
o This should be deleted : this was due to all AES direction, inaccurate information ( depending on whom you speak with ), and lack of follow up on status of options being input on my behalf.
o These are all AES errors. I did nothing wrong aside from believing I was speaking with folks that knew the system, areas to be approved, processes, and their assurance Id be okay, and all would be current.
Caveat : even if the 12-month option were communicated as not going through, or that the 3-month good faith needed to be looked at/and the payment needed to be secured : I would have had TIME to remedy and PAY THAT 700+ before XX/XX/XXXX, and the XX/XX/XXXX payment, and theXX/XX/XXXX phone call : Another series of erroneous statements, and lack of communication updates ( w/regard to the 12-month option to reiterate NEVER informed of anything leaving me to believe it was in process ) Now I am transferred to get the good faith pymt complete ( which should have already been done before the 2nd transfer onXX/XX/XXXX ) o I paid {$100.00} to the good faith agent.
o Now : {$1100.00} paid total betweenXX/XX/XXXX and XX/XX/XXXX And again the question never was answered : the XXXX GF payment does not count toward the next due payment?
And then I learn that the 2nd phase of a 6-month lowered payment does NOT bring it current It only does that during the first 3-month portion ( which there should never have been a gap in the first place! ) AES records the calls : I was told it would bring it current before representive # 2.
To add : whatever was reported with respect to amounts, Im not sure is accurate.
Though, again : it should never have been reported.
PART II The Beginning/Summary of events leading up to XX/XX/XXXXand XX/XX/XXXXAroundXX/XX/XXXX : o I contacted AES after many attempts to get the two loans refinanced, to lower my payments o No Service providers will refi a Private k-12 loan as their criteria is for it to be with a 4-year university or the like o It was stated over 13 years back if anything ever were to happen, I could always refi the loans again more erroneous information These types of loans are very difficult to get refinanced through Educational service lenders AES stated there were no options to help me, and they really could not investigate any further unless I go beyond 30-days late ( this was actually said even earlier on and I had delayed on paying, but never had the heart to let it go over 30 days, as my credit is of value, it scared me. This is not very ethical, IMHO, its as though they want to harm the consumer/paying customer ) After numerous conversations, someone ( that was kind and wanted to help ) suggested I write a letter directly to XXXX and kindly state my position, and ask if there was any way or options to refinance through them Once the letter was complete, I was to fax and email it to AES, to forward to XXXX o XXXX was the original lender, and had since exited from any student loan programs, selling their portfolio to XXXX On XX/XX/XXXX, I faxed and emailed the letter.
I followed up to ensure receipt AES stated to give at least 30 days for XXXX to respond They never have responded, and I followed up w/AES multiple times to find out status. I kept getting the theyll respond when they respond Additionally, I was told there was an in-house XXXX liaison, and that they likely could assist.
Not once was I ever enabled to engage with this person, and then later was told there was no liaison in house Then recently was told there was Which is it? Just like all the erroneous communications, no follow through, and poor handling, this was becoming par for the course in my engagement with AES : can not trust anything that is said Dont get me wrong : there have been a few very professional and kind people that have tried to assist But, a high % of individuals do not know processes, rules to specific loans, and then the zero follow up on has become beyond taxing, and is unacceptable, and has caused my decent credit to be destroyed.
During this timeframe : I was offered a 24-month deferral : they put the request through o But here we go : NO UPDATE, NO RESPONSE, NO explanation via mail, email, or the like that it was not approved as I learned by my calling in later that my loan did not qualify for that program, as it was in the private category Why did I have to call and find out? My payment was late due to this as I again, am under an impression something is in process.
But to no avail : and no communication from AES.
There have been times Id email through the AES system asking for updates, or asking for something to be remedied : NO RESPONSE Only a canned we are in receipt of your email auto generated response.
But NO status to any requests And the most important one was when the 24-month deferral was not eligible : why cant it be common practice to follow up with your client?
Why is it as a client I dont matter?
I have paid on this loan since XXXX XXXX o That is over 13.5 years and a lot of money w/interest IN SUMMARY o Now, today, I must pay the payment of XXXX plus the XXXX late fee o When this should have already been caught up but the poor communication and the errors cost me an additional 700+ and this XXXX. Which is fine, I am okay paying my loans : but I hope you can see the awful position I have been put in, and stress I have endured.
o Never, once, did I say I'd not pay.
o I only listened to AES, and got pushed under the dirt with credit due to all I shared in Part I and Part II.
o And I have spent hours writing this up and have endured far too much stress.
o Most important : My credit is ruined, due to no fault of my own o I have someone willing to help get this refinanced, but now with the credit problem I am really in a bad place.
o And, I cant refi for a car lease up to revise in XX/XX/XXXX, I cant rent, I cant buy, 2 creditors lowered my credit this is completely a mess, all due to the irresponsible actions of AES ( and in part : XXXX ).
o There as well are legalities related to this, it has been clarified that some of these actions and lack of actions are a potential litigation issue.
o I have done everything I can, and kindly appreciate assistance in this matter Thank you in advance for your prompt attention to this mess of a matter. Please know I am mentally drained in all the follow up Ive endured, and I am at my wits end.
As a suggestion, AES staff should be better trained to accurately communicate applicable policies to each available option, and not say to NOT pay, and as well not taking payment over a weekend should be on AES, not the consumer, ( at least in this situation ).
I have for over 13 years kept this paid, and only late paid as I considered earlier on the statement I had to go 30 days to get help from AES I have worked hard to maintain my credit and good payment history. This is not appropriate. Please consider these extreme errors, and consider deletion of the late reporting, as I was not late and would not have been had it not been for the direction stated from AES.
Kind regards, XXXX XXXX XXXX
Company Response: Closed with explanation
2018-04-30
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/2016 i was faced with having to move out of my apartment, i contacted the loan agency stating i wouldnt not be able to make payments for this month but i am able to pay it off in the following months. They agreed but later on i see a late payment even though i finished my payment and closed the account the late payment is still being shown, Please assist me in this matter im also fighting unfortunately late payment for my XXXX XXXX payment which occurred around the same time. I have been consistent since and all my accounts are in good standing. I would love to get a home and start a family, unfortunately my credit score is at a major halt due to these payments.
Company Response: Closed with explanation
2018-04-30
TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: On XX/XX/2018 my credit score went down 85 points overnight due to XXXX Incorrectly reporting that my account had been closed. The account is still open, I sent in a dispute with them and they basically denied the dispute and said that they reported the information correctly. This is the second time my score has dropped because of this company last time it was 100 points and took my score to a XXXX i'm on a repayment program of {$0.00} because I was laid off from work and I start back to school in a few weeks and I don't want them saying that I need to pay anything and ruin my score even more. theres no reason why they should even be reporting on my account. I am a mother of XXXX and I'm in the process of trying to purchase a home this is negligence on there end no one should have to deal with this company they don't care they don't have good customer service and judging by the rest of the complaints I'm not the only one who feels this way. This is enough to make no one want to peruse an education. I would like them to report the correct information and get my 85 points put back or to actually remove the accounts like they reported that they did.
Company Response: Closed with explanation
2018-04-30
East Liberty, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Company Response: Closed with explanation
2018-04-30
Orion Twp, MI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have applied for the Public Service Loan Forgiveness program multiple times. I was enrolled for a few months before I consolidated my loans ( early 2017 ), at which time they told me I would need to re-apply. Over a year later, I still have been unable to get my PSLF application approved because I have " missing documentation ''. I even went so far as to upload all of the correct paperwork while on the phone with a representative to verify they had everything they needed. Once that was verified, I thought it would work, but I still have not had any payments go towards my PSLF. I have now lost over a year of qualifying payments and don't know what else I can do.
Company Response: Closed with explanation
2018-04-30
Ehrhardt, SC
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
2018-04-30
Pigeon Forge, TN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2018-04-30
Cary, NC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with non-monetary relief
2018-04-29
Ft Belvoir, VA
Took or threatened to take negative or legal action
Debt collection: Federal student loan debt
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2018-04-29
South Florida, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I have 2 student loan accounts and its showing up as 4 student loan account on my credit report. I have tried to dispute this numerous times but they havent fixed the problem as yet
Company Response: Closed with explanation
2018-04-29
Hammond, IN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Company Response: Closed with explanation
2018-04-29
Boston, MA
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 ended up getting my XX/XX/2016 taxes compromised because they said my loans were in default status. The school closed and I was no longer responsible for the remaining debt on the account. Their has been an ongoing investigation for over a year and 2 months and my credit score is being effected because of it. US department of edu. is showing a balance of {$3500.00}, and {$2100.00} when in fact I am not responsible for that. I would also like this and fed loan servicing taken off my credit report as those are both hurting my credit very badly.
Company Response: Closed with non-monetary relief
2018-04-29
Hawthorne, CA
Credit monitoring or identity theft protection services
Student loan: Federal student loan servicing
Billing dispute for services
Company Response: Closed with non-monetary relief
2018-04-28
New Lenox, IL
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
2018-04-28
Erwin, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: RE : account # XXXX I have attempted multiple times to get the late payments corrected on this account and XXXX states that they are unable to correct them. The late payments are for XX/XX/XXXX and XX/XX/XXXX. They are reporting late when they should be reporting as pays as agreed since I was granted deferment XX/XX/XXXX until XX/XX/XXXX. They state they are unable to change something that has been reported accurately at one time. Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * Since I was granted deferment for those months then my account should be corrected to show pays as agreed during all those months.
I have attached a copy of my deferment letter to show those dates were covered during my deferment.
I would like for this to get corrected asap.
Company Response: Closed with explanation
2018-04-27
Berkeley Lake, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2018-04-27
Gaithersburg, MD
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 non-monetary relief
2018-04-27
Woodland, WA
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: Ive been trying to make on-time payments every month, but unfortunately American Education Services does not give me any options to lower payments or to lower my interest rates. I have asked time and time again for help but they give me vague responses and no help to deal with this problem. I want to pay and eventually free myself of student loan debt but my interest rates keep changing and going higher. I feel I will never be able to reach my goals of paying everything off. Im afraid if they go too high with my interest that I wont be able to make payments. My monthly bill is {$720.00} a month, now it could be at {$730.00}! When does this end? When will there be assistantance to people who want to do the right thing? Am I being scammed for my money? What can I do to pay the principal down? I havent had any answers or help for almost 10 years! I dont want my entire life to be about paying a company who wont work with me to pay them off. Im growing emotionally tired every day from the frustration and helplessness. Someone please tell me what to do? I cant even refinance this loan. My credit is just not strong enough. I was once instructed on the phone that if i wanted a lower payment I would first have to be delinquent on my account, but that hurts my chances of having a better XXXXredit score to refinance eventually. Nothing makes sense anymore.
Company Response: Closed with explanation
2018-04-27
TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: My student loans are incorrectly reporting late payments for each loan account listed on my report for the months of XXXX- XX/XX/XXXX. On XX/XX/XXXX the Federal Trade Commission issued an advisory opinion in which it renders a decision on the interpretation of Section 623 of the FCRA ; it states, A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. See attachment For further reference the FCRA section 623 ( a ) ( 2 ) states : ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation XXXX or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Company Response: Closed with explanation
2018-04-27
Fort Worth, TX
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Didn't receive services that were advertised
Complaint: I had consolidated my loans to XXXX. Mid- XX/XX/XXXX I was having trouble making my payments due to low income. I received an email on XX/XX/XXXX stating that they had defaulted and that they would go delinquent if I did not call in. The email stated that they can help. I called in XX/XX/XXXX and talked to a man about lowering my payments. He was very helpful and was to send me documents to fill out to ensure we got my payments lowered. I asked him, if I should make payments until we got the due amount lowered. He stated, not to pay until after I received my documents, mailed them back in, and got approved for the lower amount. I never received the documents. I called back in XX/XX/XXXX letting him know I hadn't received them. I took his advice and kept waiting on documents and not paying. I went to get a car loan in XX/XX/XXXX. As I was attempting to secure the car loan, the lady told me that there was something on my credit that I needed to check in to and that I couldn't get the loan. I looked into it and saw that XXXX had marked me as delinquent and sent my balance to collections. I called XXXX immediately and spoke with a lady and told her that I had been talking to the guy on getting the paperwork and that he had told me not to pay until it came. She went back and listened to our recorded conversation. She apologized that the man had given me wrong information and that there was nothing she could do. She then told me, " If it makes you feel better, he was let go from the company ''. No, that does not make me feel better because now my debt in is collections, I can't get approved for a car loan, and it impacted my credit immensely. I now have issues with the collection agency and communicating with them.
Company Response: Closed with explanation
2018-04-27
Culver City, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: XXXX has mishandled my payment instructions and has delayed for several weeks in fixing its error. Submitted payment of {$95000.00} on XX/XX/XXXX, which XXXX misapplied ( even though I uploaded payment instructions per their direction 10 business days before sending this payment ). Previous CFPB complaint " resolved '' by XXXX and marked closed by CFPB, wherein XXXX stated on XX/XX/XXXX : " [ b ] ecause you provided special instructions for how you want the payment applied, the payment will be reapplied according to your instructions. Although it may take a few business days to process the reapplication, once it has been reapplied the payment will still be effective the date it was received, XX/XX/2018. '' It is now XX/XX/XXXX and no change. I now need to complete my annual re-certification of IDR and my loan balance is not correct due to XXXX 's continuing error. XXXX must do better.
Company Response: Closed with explanation
2018-04-27
Thune, NE
Attempts to collect debt not owed
Debt collection: Private student loan debt
Debt is not yours
Company Response: Closed with explanation
2018-04-26
Philadelphia, PA
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 non-monetary relief
2018-04-26
Hamburg, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-04-26
Arvada, CO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I Talked to the department of Education as soon as I noticed this late payment hit my credit report. I was in Forbearance at the time and it should have never showed up as late. Now unfortunately this caused my score to sink! I called Department of Education and they agreed to get it deleted from my credit report. I called to follow up at the beginning of the month and asked for a specific date as to when it would be deleted and they told me they would not delete it! their calls are being recorded. this needs to come off
Company Response: Closed with explanation