AES-PHEAA

2018-04-19

Dannelly, AL

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

2018-04-19

Mount Holly, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: 1.I re certified income on XX/XX/XXXX 2.I followed all directions on application/submitted extra payment information 3.XXXX stated they needed explanation to state exact income ( I do not have exact income ) 4.I followed the directions from customer service and submitted another letter immediately 5.Customer service then said I needed to create company logo and submit on company logo letterhead. I paid {$99.00} for logo and gave same day 6.Customer service then said letter needs to say " business owner '' and not " sole proprietor '' because it confused them 7. I then received notice my payment was almost {$700.00} even though I am a single mother of 3 and do not make this much XXXX. Customer service stated " sorry, our departments do not talk to each other. please just resubmit '' I did immediately. 9. XXXX added over {$20000.00} to my loan for interest because the resubmitted application I submitted due to their mistake, is not " late '' 10. XXXX stated there was nothing they can do, so they used income from previous year. 11. After no less than 20 hours on the phone, XXXX recalculated my income and payment was now {$130.00}. 12. XXXX stated there was nothing they can do, I have to pay the {$700.00} or add it to my loan balance because " the computers will not let me update from previous month '' 13. I filed complaint. 14. XXXX LIED and told you I never submitted the application XX/XX/XXXX 15. Complaint filed again. 16. XXXX made excuse after excuse as to how this was MY fault now and I needed to pay or they would ruin my credit even though my XXXX was less than XXXX. Excuses included : 1. income submitted was too old ( less than 2 weeks old at time of application and more than required included ) 2. The initial letter was not typed ( nothing on application states this ) 3. The payments were not on set bi monthly schedule XXXX there is no law that states income payments must be set. I explained I was a contractor and was paid when I received work. ) Application does not state this requirement. 4. Updated, late application did not have a " wet '' signature. ( original application turned in XX/XX/XXXX contained a " wet '' signature only changed to typed when XXXX requested it. 17. I send multiple emails and made multiple calls requested for XXXX to point to the section on the application stating any of the requirements they insisted I violated. I requested they how me what I did not included that was listed on the application as needed. THEY COULD NOT SHOW ME. 18. At this point, XXXX became hostile and demanded I pay the {$700.00} now, add it to my loan, or they will ruin my credit. 19. XXXX did take off the $ XXXX they illegally placed on my account, however ruined my almost perfect credit and have now cost me my practice I just opened. I can not obtain the business loan I was seeking due to this fraudulent remark. This was done in retaliation for them being made to take of the XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-19

MS

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Original loan disbursement date was XX/XX/XXXX in the amount of {$10000.00} with a repayment term of 121 months. Repayment began on XX/XX/XXXX with a repayment term of 210 months. Since that point in time the loan has been " redisclosed '' against my wishes or request. The loan has been redisclosed on the following dates with the below terms. XX/XX/XXXX Repayment term 239 months XX/XX/XXXX repayment term 210 months XX/XX/XXXX repayment term 197 months XX/XX/XXXX repayment term 185 months XX/XX/XXXX repayment term 174 months XX/XX/XXXX repayment term 165 months XX/XX/XXXX repayment term 153 months XX/XX/XXXX repayment term 143 months XX/XX/XXXX repayment term 131 months XX/XX/XXXX repayment term 121 months As of XX/XX/XXXX statement {$11000.00} has been paid on an original balance of {$10000.00} of which {$7300.00} was interest and {$4200.00} principal. The current outstanding balance is still {$6300.00}. The constant redisclosure of a customer who makes on time payments for more than the minimum balance is resulting in a loan that will essentially never be paid off. The stated interest rate of 6.13 % is deceiving as it only is a interest rate of the current redisclosed loan. When you take in the original balance and what has already been paid plus what is still outstanding the interest rate is over 300 %
Company Response: Closed with explanation

Timely Response

2018-04-19

Arvada, CO

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: Account shows late payments that are not accurate.
Company Response: Closed with explanation

Timely Response

2018-04-19

Queen Anne, WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2018-04-18

Vicksburg, MI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: I filed a complaint on Monday XX/XX/XXXX, I provided information and minimal documents. It was received and followed up with a false statement from XXXX XXXX. As of today I have new information to provide that will prove my point and complaint! Just got an email from a credit bureau notifying me my credit score just went down 135 points in the last 24 hours because of XXXX XXXX, SO, I called XXXX XXXX and spoke with XXXX ( employee id XXXX ). Guess what? I explained to her everything I have been since calling back in XX/XX/XXXX to report losing my job, the calls I've made, the calls I've received explaining my situation to every time. During that time not one customer service representative offered any solutions, input, etc ... till XX/XX/XXXX. In XX/XX/XXXX I was told to go online and do the IDR/Forbearance form and send it. Well I did! First week of XX/XX/XXXX I spoke to XXXX ( XXXX ) and she notified me it was taken. So AGAIN I explained my situation to her. At that time she told me she would make note on my account, send me out a dispute, AND IDR by mail. Just received it TODAY XX/XX/XXXX when on the letter its dated XX/XX/XXXX. XXXX ( XXXX ) called me a week after and AGAIN I explained my situation to him and told him XXXX made a note in my account. XXXX informed me there was no such thing. Back to today, about an hour ago. I explained my situation to XXXX ( XXXX ) as I have done so many time since XX/XX/XXXX to numerous attempts to resolve, ask for help, etc ... Guess what she just did for me in a matter of minutes over the phone? SHE PUT ME INTO THE INCOME DRIVEN REPAYMENT PLAN, RESOLVED WHAT I'VE BEEN TRYING TO ACCOMPLISH SINCE XX/XX/XXXX ON. Your customer service need to be retrained, come to work AND work! Do their jobs! And be able to do what XXXX did in minutes, This all could of been taken care of long ago if your customer service acted as XXXX did today, I FINALLY got someone who knew what to do, and did it. NOW, I'm not going to stop there. I'm going all the way with this, I refuse to accept my credit score dropping 135 points because your staff doesn't want to do their jobs. I'm the one whos suffered, I'm the one who's tried taking care of this long ago, I'm being responsible in doing everything since day one to handle this. XXXXXXXX XXXX has not! Now I'm stuck with a credit score that's unacceptable to me, my other creditors, and any plans on buying a house in the future, private loans, etc ... XXXX deserves recognition for her work today with me! The rest of the customers service representatives I've dealt with in the past need to be terminated immediately!
Company Response: Closed with explanation

Timely Response

2018-04-18

Santa Rsa Bch, FL

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

2018-04-18

Campville, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Company Response: Closed with non-monetary relief

Timely Response

2018-04-18

Black Rock, AR

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: DEPT OF ED/XXXX XXXX ( PHEAA ) is who the loans are with. My husband and I are both XXXX and both have our loans through this company so we can use the PSLF programs to repay our loans. Multiple times we have provided the appropriate paperwork for proof of payments made toward the 120 qualifying payments and the company keeps increasing our payments even though we are on an income based repayment plan and the company is not keeping up with our payments accurately. Keeps saying we need to resubmit the paperwork. This has been going on for over a year! Please help!
Company Response: Closed with explanation

Timely Response

2018-04-17

Colts Neck, NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I had federal loans serviced by XXXX which are ten years into repayment. I was told I would qualify for the PSLF plan and to contact XXXX XXXX. I did, and was notified that my loans and employer qualified and my loans were being transferred to XXXX XXXX. Three weeks ago I received an email stating I was given incorrect information and that my 8 years of payments with a qualifying employer would not count and I have to switch my payment plan. This new plan made my payments go from {$480.00} a month to {$1100.00} a month. Clearly if I could afford this payment, I wouldn't need loan forgiveness. They would also be paid off within ten years, making the program benefits pointless. Without any notice, I received a letter today saying they decided my payments- without changing payment plans- would go from {$480.00} to almost {$700.00}. I never even requested this or had any input. I've been on hold almost an hour and spoken to representatives who state they are " unable to help me ''. As a government entity, this company is an embarrassment.
Company Response: Closed with explanation

Timely Response

2018-04-17

Stockbridge, GA

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-04-17

Galena, OH

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I took out the loan for {$30000.00} ( {$32000.00} after fees, etc. ) in XX/XX/XXXX. Once I started paying back on my loan, they would not work with me on re-payments. The payments would be {$250.00} for the first six months of the year, then would jump to {$300.00} for a few months, then to {$350.00}, then to {$400.00} for the last 2-3 months of the year. Beginning of the next year, they would go back down to {$250.00}. However, due to me not being able to afford the last few months in total monthly payments, I would fall behind on the loan and they refused to work with me. My son was one year old and having serious health issues and they would not take this into consideration. Within a few year span, I had paid {$10000.00} towards this loan and only {$900.00} of my payments went towards principle balance. The rest went towards interest. My total loan also jumped up to {$42000.00} and they could not explain this, they could only tell me it was due to the " late fees and penalties for falling behind on my payments ''. At one point when I fell behind in XX/XX/XXXX-XX/XX/XXXX, I offered to pay {$200.00} but the woman on the phone actually refused to accept this amount, saying they could only accept a minimum of {$500.00}. In XX/XX/XXXX I had to meet with an attorney to file for chapter XXXX bankruptcy, as XXXX was threatening to garnish my wages.
Company Response: Closed with explanation

Timely Response

2018-04-17

MD

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: My student loans were being serviced by XXXX XXXX up to XX/XX/XXXX until my student loans were purchased by XXXX XXXX company. My original loan amount with XXXX XXXX in XX/XX/XXXX was {$110000.00}. When I received notification from XXXX that they had purchased my loans the amount was increased by over 1000 % to {$350000.00}. I have submitted several complaints to XXXX trying to get an answer!!! I NEED ASSISTANCE!!! I have not attended school since XX/XX/XXXX and I have not attended school after XXXX purchased my loans in XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-04-17

Brentwood, TN

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: My original loan with the company was {$32000.00} after I graduated in XX/XX/2009. I have paid {$23000.00} to date on this loan ( {$13000.00} interest and {$9700.00} principal ) but yet my total loan amount still owing is {$30000.00}. A little over a year ago I tried to settled the entire loan for the balance owing - what I had paid to date less the original balance. The servicer immediately refused my request stating the lender does not offer settlements. I have a combined student loan debt of over {$400000.00}, half of which is federal loans and the other private loans. Because I am unable to make full payments ( I only make {$55000.00} a year ), my debt keeps accumulating. I explained this in my request but yet they refused. So, to date, on this loan, I have paid over {$23000.00} on an original loan of {$32000.00} and still owe over {$30000.00}. How is this ethical? I am trying to clear this debt to help with my overall student loan debt. Plus, my mother co-signed on this loan for me so I am trying to at least resolve this debt so she can retire without this lingering over her. I am asking to settle this debt for the balance of the original loan ( {$32000.00} ) - what I have paid to date ( {$23.00}, XXXX ) = {$9200.00}
Company Response: Closed with explanation

Timely Response

2018-04-17

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

2018-04-17

Groton, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XXXX XXXX XXXX ( PHEAA ) unlawfully converted my XXXX Grant to " irreversible '' loan due to a paperwork error on their part in the fall of XX/XX/XXXX. This has been on ongoing issue that began in the summer of XX/XX/XXXX when I tried to submit verification forms for my service agreement. They claimed they did not receive paperwork and also gave me a fax number that did not work after many many attempts. They converted my grant to a loan ( of XXXX including interest ), even though I had completed all of the service requirements they requested and as were outlined in my service agreement.
Company Response: Closed with explanation

Timely Response

2018-04-17

Coosada, AL

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

2018-04-17

Conimicut, RI

Incorrect information on your report

Student loan: Private student loan

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-04-17

FL

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 am having a hard time correcting the payment status on my student loans from XXXX XXXX. The payment status is reporting inaccurately to XXXX and XXXX for XX/XX/2015. There is seven loans with one late payment for XX/XX/2015 on them. There is four loans with one late payment for XX/XX/2015.
Company Response: Closed with explanation

Timely Response

2018-04-16

Hanceville, AL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-04-16

Memphis, TN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: my personal information was used to obtain student loans and I had no knowlege my personal information was lost before however I did know until last year that some one had been using my identity and its been crazy trying to prove im who I say I am ever since I need help getting these accounts removed from my credit reports
Company Response: Closed with explanation

Timely Response

2018-04-16

NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: I have been working with this agency, funded by tax payer dollars, since 2011 when I began paying on my student loans. It has been taxing to say the least. There are several ongoing issues that XXXX is unwilling to solve. These are as follows : Six months ( plus ) wait time for paperwork requests, and account questions Lost paperwork Qualifying payments that were once approved are later revoked No follow up after paperwork submission Although I have been diligently paying on my students loans on time and in the full amount requested, I have been met with alleged discrepancies that after two years and countless phone calls, no one at XXXX is able to rectify for me.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-16

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 set up auto-pay twice with XXXX XXXX, only to check my XXXX account and find out my account is overdue. Both times I was automatically removed from the autopay. Further, I approved my auto pay to an amount 30 % over the payment, and it was reduced automatically by XXXX to the original payment. Further, my account was placed on forbearance without my approval. XXXX claimed this was due to a " natural disaster in the XXXX XXXX county area. '' XXXX continued to earn interest on my loans while my account was in forbearance, this is a deviant practice and I am certain it affected other individuals in the XXXX XXXX County area.
Company Response: Closed with explanation

Timely Response

2018-04-16

Flint, MI

Incorrect information on your report

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

Account information incorrect
Complaint: THIS COMPANY CONTINUOUSLY MAILED CORRESPONDENCE TO AN INCORRECT ADDRESS AND THEN REPORTED DELINQUENCES TO CREDIT BUREAUS. THIS COMPANY DID NOT REACH OUT TO ME VIA PHONE OR EMAIL. I WAS UNAWARE THAT I WAS IN REPAYMENT. I HAVE DISPUTED THIS 3 TIMES WITH THE COMPANY FROM XX/XX/XXXX AND XX/XX/XXXX. THE COMPANY REFUSES TO REMOVE THIS INNACCURATE INFORMATION. THIS IS ILLEGAL. The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. 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.
Company Response: Closed with explanation

Timely Response

2018-04-16

Vicksburg, MI

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

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

Problem with personal statement of dispute
Complaint: On XX/XX/XXXX I lost my job, I immediately call XXXX XXXX to notify them I lost my job and was unable to make any payments at that time. Mind you every call is recorded for quality assurance - which I doubt. I've never missed a payment with them since consolidating my loans years ago. Since calling to tell them I have not been helped once. I've received calls periodically informing me I'm late on my payments, AGAIN with those same calls they make to me I've told them I lost my job in XX/XX/XXXX and have discussed this with several of their callers. One caller informed me to get online and fill out the deferment portion and submit it. I did that in XX/XX/XXXX/XX/XX/XXXX. I kept getting phone calls since and AGAIN explained my situation to them and yet nobody was knowledgeable to help me or would till the week of XX/XX/XXXX when XXXX ( employee id - XXXX ) called and AGAIN I explained to her my situation and her response was she couldn't believe nobody has helped me yet. She verbally told me she would be sending the deferment papers by mail this time along with a quality complaint form. I received a quality complaint form and immediately filled it out and mailed it back in. I also saved a copy for myself. I have not yet to receive the deferment papers in the mail yet. HOWEVER I have received a threatening letter from XXXX XXXX detailing me of my delinquency and is in danger of default, that was marked XX/XX/XXXX. Their claiming I'm {$1100.00} past due, and {$950.00} past due. I wouldn't be past due if they would of done their part back in XX/XX/XXXXwhen I phoned them immediately and explained my situation. I received a call from XXXX ( employ id XXXX ) the week of XX/XX/XXXX asking me about if I can pay the full amount. AGAIN I explained to him what I have been explaining to every other caller since XX/XX/XXXX, and just the week before to XXXX who told me she was not only sending deferment papers by mail to me but she's noting my account. XXXX was unaware of any of that. On their delinquency letter they have informed me that all credit bureaus are aware of my pass due. Again, no deferment papers have been received to my address XXXX XXXX XXXX, XXXX, MI XXXX. BUT they keep sending me bills, threats, and delinquency notices to that same address.
Company Response: Closed with explanation

Timely Response