AES-PHEAA

2018-03-08

IL

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 attempted to contact XXXX and provided the supporting documentation. XXXX Explained that XXXX XXXX has claimed that the information on my credit report is accurate. However, it is not accurate, it is in violation of Section 623 ( a ) ( 2 ) of the FCRA. Below are the details : I had an administrative forbearance as well as a general forbearance granted for federal student loans. It was explained to me by XXXX XXXX that all of my accounts would be updated, to be appear as current. The dates covered are XX/XX/XXXX-XX/XX/XXXX. However, I still see late payments on my credit report. I reached out to XXXX first and sent them the letter from XXXX XXXX stating the forbearance dates to be updated. They did not update my accounts although I disputed. Attached is the letter I sent to them along with the letter from XXXX XXXX By failing to update previously reported information, for XXXX and XX/XX/2017 XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. " 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

2018-03-08

N Natick, MA

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

2018-03-08

Buck, PA

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Complaint: On XX/XX/XXXX, I received a phone call from American Education Services attempting to collect a debt that they had called about a few days prior. During the previous call, I explained my intent to pay the full amount due and past due by the end of the month, of which this latest call, I issued a statement intending to pay the full past due and due balance by the week of XX/XX/XXXX. AES/Pheaa needs to be made aware that communication tactics which include repeated phone calls at inconvenient times, or so close to any phone calls prior violate my rights as a consumer, especially if I've made statements making it clear WHEN I INTEND TO PAY. AES/Pheaa will cease and desist all outgoing phone calls until further notice or legal action may be pursued.
Company Response: Closed with explanation

Timely Response

2018-03-08

Ballwin, MO

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2018-03-07

Madison, WI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: In XX/XX/2017 we filed our original lBR. In XX/XX/XXXX our income changed dramatically due to job loss. On XX/XX/XXXX we filed for a 30 forebearnce and re filed all paperwork to reflect this with A.E.S. On XX/XX/XXXX we were notified by mail that we did not submit all the paperwork to reflect my wifes income. We called them and the customer service agent told us that they were missing half of the paperwork that we faxed in. First, we mailed the paperwork. Second, they claimed to have pages 1,3,5 and 7. So pages 2,4 and 6 were on the back of these pages. We were also told that we have to hand write statements to coincide with the job loss. We were not told this before. We were not required to do this with our other 2 loan servicers. It also states in the IBR from the student loan website that you are NOT required to submit any additional paperwork stating this. It states this twice. We then FAXED and MAILED the paperwork again, within 24 hours. We requested another temporary forebearance to allow for this to be entered. We were denied. We were assured by the customer service agent and the manager on duty that this would not be necessary and they would fix the issue. On XX/XX/XXXX we received an email stating that we were 5 days behind on payments and now facing the possibility of default. We have not even been told what our new payment is or if we qualified for a lower payment due to the new IBR paperwork. It also threatens to report to the credit bureau. This company is constantly finding ways to threaten us with this and they are never timely on their end, or they misplace paperwork that is given to them. We also have loan amounts that are 3X the original amounts due to them constantly changing the interest rates.
Company Response: Closed with explanation

Timely Response

2018-03-07

Charlotte, NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: On XX/XX/XXXX I submitted an application to consolidate 3 parent=plus loans into a single loan. In this application, and the conversations I had with the XXXX servicing rep, I made clear I was going to apply for the Public Service Loan Forgiveness program. I was reassured the loan qualified. In Fall XX/XX/XXXX, I ( finally ) submitted the PSLF documentation. On XX/XX/XXXX, I received an e-mail stating that I had been approved for PSLF, but that I should NOT make another payment to the current loan as the current repayment plan was not approved for the PSLF.
Company Response: Closed with explanation

Timely Response

2018-03-07

Temperanceville, VA

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: As of XX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as UD DEPT ED with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX since XXXX.
Company Response: Closed with explanation

Timely Response

2018-03-07

Chicago, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I completed a filed a XXXX Loan Forgiveness Application XX/XX/XXXX. This was at the end of my 5th year XXXX XXXX at XXXX XXXX XXXX on the south side of XXXX. It took FedLoan ( my loan company ) 2 months to respond with a denial. The reason I was denied was because I checked the correct box. This box stated, " I have applied for or received loan forgiveness under this XXXX Loan Forgiveness Program. '' I applied for this same XXXX Loan Forgiveness Program the year prior, as I had completed 4 years at XXXX XXXX XXXX and 1 year at XXXX XXXX. Both XXXX are in the south side of XXXX. Both XXXX are high poverty, high need, 90 % free and reduced lunch. The reason I was denied in XXXX, XXXX was because I did not complete 5 years at the same XXXX. However, it clearly states on the XXXX Loan Forgiveness Program Application that I needed to complete 5 years in a high need, high poverty XXXX on the list of approved XXXX. Both XXXX are on that list. I was incorrectly denied loan forgiveness. In addition, I checked the correct box as I had " applied for OR received loan forgiveness '' as I had applied in the past, but was denied. I called Fedloan last Monday, XX/XX/XXXX, and after XXXX minutes on hold I finally spoke with XXXX ( ID # XXXX ) who transferred me to XXXX ( ID # XXXX ). She explained that I should have checked the box that stated, " I have not previously applied for or received loan forgiveness. '' ( Even though I HAVE previously applied ). In other words, Fedloan required me to incorrectly fill out a form in order to apply a 3rd time for the Loan Forgiveness amount of {$5000.00}. Over the last 19 months, I have accrued over {$600.00} in interest, when my loan should have been reduced by {$5000.00} because I DID IN FACT QUALIFY and DID IN FACT APPLY for the XXXX Loan Forgiveness Program. I can only conclude that FedLoan is participating in fraudulent practices and continues to do so at the the detriment of hard working, public high XXXX XXXX on the south side of XXXX. This continued headache, pushback, hassle, noncompliance, and misinterpretation and incorrect definition of terms such as " OR '' has led me to the correct conclusion that FedLoan is taking advantage of loan holders. When I graduated from my Reading Specialist Program in XX/XX/XXXX, I was fraudulently charged the {$3000.00} already allocated to me by the Federal XXXX Loan. As I was focusing on my studies and earning my XXXX in XXXX, I was given {$3000.00} towards classes. I filed all of the correct paperwork on time and was rejected because I filled out the form correctly. I resubmitted my paperwork, that proved I finished my degree in the time allotted and secured gainful employment in the city of XXXX. I was contacted and made to pay back the XXXX PLUS interest. I am now aware that these deceitful practices continues to occur when it comes to my loan company FedLoan. I believe that the federal government needs to be aware of these fraudulent and harmful practices. The US government sets up programs to support students who are doing their best to improve the educational opportunities of the most vulnerable and needy public school students in our country. I have dedicated 19 years to educating the most vulnerable of our citizens. I XXXX for a high XXXX on the south side of XXXX where the average reading level of freshmen is a XXXX grade reading level. Over the last 6 years, and through my training as a reading specialist -- - the very degree I was awarded the XXXX and have applied 3 times for a mere {$5000.00} through the XXXX Loan Forgiveness Program -- I have worked tirelessly to better the lives of my students everyday. I have lost 5 students to XXXX XXXX over the last 6 years XXXX at XXXX. More than 18 of the 30 XXXX at my school have quit because the work is so difficult and because the vicarious trauma of working at XXXX XXXX XXXX is just too painful. I demand both the {$3000.00} in XXXX that were taken from me back in XXXX and the {$5000.00} I should have been forgiven back in XX/XX/XXXX. I also demand the interest I have been charged on my fraudulent loans to be returned to me ASAP. NOt to mention the time, stress, and headaches I have incurred because of FedLoans illegal loan practices. If these harmful policies have continued to occur when it comes to my students loans, I am 100 % positive that they have happened in other cases as well.
Company Response: Closed with explanation

Timely Response

2018-03-07

Burke City, MO

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-03-07

Magnolia, TX

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I contacted XXXX XXXX XX/XX/XXXX to consolidate and to start repayment on an XXXX. It is XX/XX/XXXX and they have not processed my request despite several calls and assurances that it would be done within 30 days.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-07

Pinellas Park, FL

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: I enrolled in school back in 2016 and my XXXX diploma was not acceptable and they kicked me out receiving a loan I am not responsible for. XXXX XXXX diploma is not legitimate at all and they knew this I tried resolving this matter and no results.
Company Response: Closed with explanation

Timely Response

2018-03-06

Los Angeles, CA

Communication tactics

Debt collection: Private student loan debt

Called before 8am or after 9pm
Company Response: Closed with explanation

Timely Response

2018-03-06

Tarzana, CA

Incorrect information on your report

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

Account information incorrect
Complaint: I consolidated my loans with XXXX and on my XXXX report it shows the consolidated amount plus every loan consolidated still shows individual with an amount due so it makes it look like I have triple the amount of student loan debt.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-06

Powder Spgs, GA

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-03-06

Flint, MI

Incorrect information on your report

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

Account status incorrect
Complaint: Submitted online XX/XX/XXXX, mailed XX/XX/XXXX " Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. These items by XXXX XXXX ( Account # # : XXXX ) are inaccurate because correspondence was continuously mailed to the wrong address, thus I was unaware of payments being due/delinquent. I am requesting that the items be deleted to correct the information. Enclosed are copies of correspondence/bills/letters mailed to the incorrect address, supporting my position. Please reinvestigate these matters and delete the disputed items as soon as possible. '' Responses received XX/XX/XXXX and XX/XX/XXXX that " ... investigation included the review of all relevant account history and documentation ... we determined the information reported is accurate ... .credit adjustment denied ''
Company Response: Closed with explanation

Timely Response

2018-03-06

FL

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: In XX/XX/XXXX I went to XX/XX/XXXXXXXX University to obtain information about a " XX/XX/XXXX '' degree that I saw advertised on television. When I arrived at the campus I was told that an adviser would be out shortly to speak with me. The adviser came out and I told her that I was interested in becoming a XXXX XXXX. She then advised that the " XXXX XXXX '' program is where I should pursue my degree. We talked about accreditation and I specifically asked if the credits would transfer and she advised yes. She told me they had a great graduation to job ratio. After receiving my information I told her I needed to speak with my spouse and I would get back to her shortly. At this time she began to tell me that classes were starting soon and were filling up quickly, if I waited I may not be able to get in that semester. Feeling pressured and anxious I enrolled in the XXXX Degree program. During the process for applying for student loans. Whenever I asked questions I was given a vague response. Like why is there a fee for dorm rooms? That is for everyone and that is how the loan is processed. I did not know I should have challenged the charges I just wanted to get my education. After completing my XXXX Degree XX/XX/XXXX I was informed by an enrollment advisor that I would need to complete my XXXX Degree in order to obtain the employment I was interested in. Again I was pressured to enroll which I did. Upon completion of my XXXX Degree XX/XX/XXXX I was informed that repayment would be due 6 months after graduating. This is when I began to look at my paperwork thoroughly and talk with other students. I noticed charges for dorm rooms and called to ask for explanations as there are no dorm rooms available at the FL campus. After several phone calls I was informed that I signed the paperwork and now was responsible for repayment. XXXX XXXX sent me a bill and I was unable to pay the amount they were requesting. I worked with XXXX XXXX as much as I could and struggled to make payments. Even taking money from a retirement account. Several years later I received notification that my loan was sold to XXXX. By this time I was a single parent and continued to struggle making payments. After hearing that the XXXX authorized " loan forgiveness '' I tried very hard to make my payments monthly. Often times falling behind in my other bills. On a phone call to Navient ( sometime in XXXX ) to try and get on a payment plan as I could not afford my payment I mentioned to the representative that I was looking forward to " loan forgiveness. '' It was then that I was informed that my loans didn't qualify and that I would have to get a federal loan.. Years and years spent trying to get information. Years spent struggling to make a payment for a piece of paper that means nothing to any institution to then be told I was doing it wrong. I owed {$32000.00} for my XXXX & XXXX. and plus capitalization which resulted in another $ XXXX being added to the loan.. Now I have a federal loan that was consolidated so that I could qualify for possible loan forgiveness. The new balance is : {$45.00}, XXXX I believe that I was misled as many other students were. I applied to several colleges for a Masters degree and have been denied by them all as they would not accept not even 1 credit from XXXX University.. At this time my option would be to start from scratch with a XX/XX/XXXX. I however can not add to the student loan debt I currently have.
Company Response: Closed with explanation

Untimely Response

2018-03-06

Tonalea, AZ

Incorrect information on your report

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

Account status incorrect
Complaint: Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX, IA XXXX XX/XX/XXXX Re : XXXX XXXX XXXX Credit Student Loan Account Number XXXX Dear Consumer Financial Protection Bureau, I am contacting you to seek your assistance with an erroneous 90-day account delinquency that was reported by the referenced creditor to the three major credit reporting agencies in XX/XX/XXXX. As of XX/XX/XXXX, my student loan account was placed on deferment. On XX/XX/XXXX, I suffered a horrific accident when a winter storm packing high winds caused a mature white pine tree to fall, and it landed on me. I was in the XXXX for eight days undergoing XXXX. I was released to a XXXX XXXX and was subject to XXXX and aXXXX XXXX XXXX and XXXX through XX/XX/XXXX, a period of eight months. I was on XXXX and unable to take care of myself requiring help with my basic needs, such as feeding, bathing, clothing, etc. I did not receive correspondence warning me that the loan was approaching the end of the deferment period, nor do I have record of the lender making direct contact with me until 2.5 months after the deferment had expired. Once contact was made, the deferment was extended but the lender did not retro date the deferment leaving the derogatory information as initially reported. I feel that I have been treated unfairly, and I have been discriminated against because of my health condition. I am requesting deletion of the erroneous credit reporting, and an address update. My address is XXXX XXXX XXXX, XXXX, AZ XXXX. Please let me know if you have any questions regarding this matter. Thank you kindly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Company Response: Closed with explanation

Timely Response

2018-03-06

Marrero, LA

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was paid
Company Response: Closed with non-monetary relief

Timely Response

2018-03-06

Salem, OR

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

Untimely Response

2018-03-06

Wdbg, VA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2018-03-06

Macclenny, FL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: My interest rates continually rise making it impossible for me to get out from my student debt. My initial interest rate was for 8.25 % ( very high- but my only option at the time ). My problem is that this number increased three times per year in XXXX and so did the owner of my loan. Every time the loan changes hands - my interest rate increases. I am only offered a 0.25 % rate decreased if I consent to having automatic bill pay. I am very uncomfortable with any company using this method of payment and refuse. I have been repaying my student loans however the interest continues to increase. XX/XX/XXXX - Interest rate increased to 8.75 % XX/XX/XXXX - Interest rate increased to 9 % XX/XX/XXXX - Interest rate increased to 9.25 % XX/XX/XXXX - Interest rate increased to 9.25 %
Company Response: Closed with explanation

Timely Response

2018-03-06

Greenwood, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: XXXX offers a .25 % interest rate reduction for auto payment. XXXX requires " additional identity verification '' before allowing users to sign up for automatic payments. Despite answering the online questions for identity verification I was told they are unable to verify my identity. Because of this I was requested to mail a copy of three of the following to XXXX : Driver 's License Social Security Card Passport Birth Certificate Prior Year 's XXXX All of these items contain highly sensitive that nobody with a sense of security would provide to anybody. This additional identity verification puts consumer 's privacy at risk and puts an unfair hurdle to receiving the .25 % interest rate reduction.
Company Response: Closed with explanation

Timely Response

2018-03-06

IL

Incorrect information on your report

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

Account information incorrect
Complaint: I have called these companies and told them about the inaccurate information on my credit report and nothing have been done I will like for the information to be fixed I have also sent out letter to these credit report agencies and their has not been nothing done with in the 30 day time limit of the letter which is violation of the FCRA dates that i have reached out have been XX/XX/2017 and no actions have been made to complete the accurate information
Company Response: Closed with explanation

Timely Response

2018-03-05

Cincinnati, OH

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

2018-03-05

Charlotte, NC

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Company Response: Closed with explanation

Timely Response