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 27
2019-08-11
Discovery Bay, CA
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Complaint: This complaint is in combination with complaint # XXXX submitted on XX/XX/19. American Education Services continues to demand payment of these student loans, completely violating the automatic stay from my Son 's bankruptcy. Attached is another letter we received from them now demanding payment from co-signer. Something needs to happen to stop the servicer. They continue to persist in the communication even though we have provided them information on the bankruptcy and the previous complaint I filed with CFPB. I am now going to ask the Bankruptcy Trustee to fine this company for the continuous violation of the bankruptcy law.
Company Response: Closed with explanation
2019-08-11
Lexington, NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: National Collegiate Trust or NCT is reporting inaccurate and inconsistent information to XXXX and XXXX. This includes different payment history on the respcitive bureaus and wildly inaccurate and incossitemnt key filed like date of first deliquncy, account status etc. I have sent documentation to get the information corrected to no avail. Therefore I am filing a dispute with the CFPB to have them delete the entire tradeline from my XXXX and XXXX credit files.
Company Response: Closed with non-monetary relief
2019-08-11
Occoquan, VA
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Company Response: Closed with explanation
2019-08-11
El Sobrante, CA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: Account number XXXX Fed Loan servicing. I was listed as a cosigner for the loan I was a victim of identity fraud, XXXX XXXX was Ex classmate in XXXX in college, I have not seen her or talked to her in 22years, I do not know where she is living now, The last time I had contact with her she was in XXXX XXXX, How she got my information to obtain the loan I was not aware of, I did no realized what was going on until I received a letter XX/XX/XXXX from Fed loan, I call Fed Loan to send me a fraud package to fill to proof to them that i did not cosign the loan, they refused, they made many promises for weeks and did not send the package. I filled a police report, contacted FTC and followed the recovery plan for identity fraud. I send documents to Fed loan servicing, XXXX, XXXX and XXXX to correct my credit record it were done by the credit companies.
I call consumer advocasy the branch of FedLoan to made a complaints of the company failure to send fraud package, I was promised that the loan will be removed from my name.
I continues to received daily even twice daily phone calls, every other day letters from Fed Loan claiming that they want me to repay the loan I made. I explained to them that my name should be removed from the loan, I did not cosign. I requested to see the document that they have about the cosigner up till now they refused to produce it.
Company Response: Closed with explanation
2019-08-10
NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Attention SERVICE RECOVERY TEAM XXXX XXXX XXXX PLEASE NOTE THAT I AM ADDING INFORMATION TO COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX I MADE A PHONE CALL TO FED LOAN SERVICING PHONE ON XX/XX/XXXX, AND SPOKE TO XXXX, ID XXXX She informed me of my : Pay off age : XXXX yrs old Pay off amount : {XXXX0}, XXXX would not lose years paid into income based repayment plan prior. ( 6 years paid to XXXX would roll over to this plan ) General information to consider : I've made 13 years of loan payments total ... I paid $ XXXX month for 5 years ( XXXX ) before income based plan with XXXX XXXX XXXX I left XXXX in XXXX to seek a company that practiced ethics, which I thought was Fed Loan Servicing.
In XXXX when I was applying for the loan, with Fed Loan Servicing I was told I would receive credit for the years I was on the income based plan prior Fed Loan Servicing by the person fed loan servicing gave that responsibility to. ( XXXX, ID XXXX ) Now Im being told that I lost the 6 years that I paid into the income based plan because of the loan consolidation, which will cost me {$28000.00}.
I chose Fed Loan Servicing because XXXX was not forthright in sending me a complete break down of my loan payments until I filed a formal complaint with Consumer Finance Protection, which took nearly year to resolve.
No actual prospective payoff dates are given with the way the system is set up now, since borrowers must reapply for income based plans annually. Adding six years of payments to my existing program puts me into my mid 80s to complete this loan. ( a 35 year loan, with interest.
Loan forgiveness plans are confusing and the borrows are told conflicting information concerning payments. I was told on two accounts that I must consolidate my loans in order to qualify.
This results in large systemic ethical lapses, and consumers like myself are forced to be very proactive in rectifying poor lending practices, and lack of information given.
Company Response: Closed with explanation
2019-08-09
PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I contacted American education services about my loan last night asking for a forbearance form because the payment for my loans I can not afford due to my XXXX XXXX XXXX being diagnosed with XXXX. They claimed they would send me my forms right away. I just received the form today, XX/XX/XXXX, which is when my loan payment is due. Like what the XXXX? This company does not care about anything but their money. This is why people should not go to college. Not only did they just send me my forms but they also send me an email two days ago saying my payment was due today. Why the XXXX arent I getting that email a week ahead of time??? Im starting to get so sick of this company.
Company Response: Closed with explanation
2019-08-09
San Francisco, CA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I was approved for IDR plan today XX/XX/2019 ; however I received two confirmations with conflicting messages. In an email, which I will include in this complaint, states that I now have a monthly payment of {$0.00} which I need to recertify annually. This is fair and makes sense. I then received a Pdf attachment from a secure email, stating that i have a monthly payment of {$260.00} due on XX/XX/2019. What plan am I on? If I have no income, why am I now owing {$260.00}?
Please help sort out this confusion.
Company Response: Closed with explanation
2019-08-09
Houston, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I am trying to remove the Fed Loan and XXXX XXXX listed on my credit reports. The Fed Loan was discharged and XXXX XXXX has several duplicates and it has aged out
Company Response: Closed with explanation
2019-08-09
Rupert, ID
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I am getting an inaccurate count on the number of qualifying payments that go toward Public Service Loan Forgiveness.
Company Response: Closed with explanation
2019-08-09
Carolina, PR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with non-monetary relief
2019-08-09
Zanesville, OH
Written notification about debt
Debt collection: Federal student loan debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-08-09
Maclean, VA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Company Response: Closed with non-monetary relief
2019-08-09
E Watertown, MA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with non-monetary relief
2019-08-09
Eldorado, WI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Auto-withdrew XXXX from my bank account on XX/XX/2019 which is not the amount that I consented to when I signed up for automatic payments. I normally pay {$XXXX}. That is 720 % more than I have predictably paid. Called on XX/XX/2019 to explain the situation and asked for help. Was told any refund would take 60 days to process - this is totally unacceptable. I had submitted information to continue my income based repayment. Now I am severely overdrafted with my bank and racked up {XXXX of fees.
They sent me a notice telling me to update my income based repayment on XX/XX/2019. I immediately completed it. It seems totally unreasonable to send me this notice and hike up my payment coming due 5 days later when they do not process these income driven repayment plans take 30+ days to process on their end.
Company Response: Closed with explanation
2019-08-08
IL
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: i have struggled to pay the monthly payments for the last few years. I recently had XXXX and lost my job. it took a few months to find a job and its been hard catching up. I attend XXXX XXXX and they recently was found guilty of fraud. I got this loan because i showed proof i was a student there.
So i feel i would have never taken this loan out if i wasn't in school. my life has been ruined since this loan. If XXXX failed me then everything tied to them should be forgiven and refunds
Company Response: Closed with explanation
2019-08-08
Sebring, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Incorrect Information to the credit report, my score going down dramatically
Company Response: Closed with explanation
2019-08-08
El Paso, AR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have a payment that is due XX/XX/2019 XXXX I got approved for Income driven payments which start XXXX for XXXX. They are refusing to give me a forbernce for XXXX I can not afford {$860.00}
Company Response: Closed with non-monetary relief
2019-08-08
Clayton, MO
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: I work for the XXXX XXXX, and have been pursuing public service loan forgiveness. In XX/XX/XXXX I recertified my employment, and was told I had made forty-six qualifying payments as of that month ; I believe this one is correct. In XX/XX/XXXX I recertified again, and was told I had made forty-five qualifying payments, somehow even fewer than the year before.
I appealed this in XX/XX/XXXX, and I have received no official communication about it from the servicer. When I call they tell me that it is still being reviewed. At this point it has been eighteen months, and after my most recent call I was told that my situation is not a priority. I have bank statements showing that I did make these payments because I am enrolled in autopay. If I have to make those payments again it could cost me {$10000.00}, so it is a priority to me.
As someone who works in XXXX XXXX, perhaps most concerning is that there is no official process used when a review is requested. Its all very vague and undefined, and feels like a violation of my due process rights under the Constitution.
Company Response: Closed with non-monetary relief
2019-08-08
Lk Buena Vis, 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 have a loan with FED LOAN SERV. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and FED LOAN SERV with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Closed with explanation
2019-08-08
Chula Vista, 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: While selecting options in the prior pages there were not choices which apply exactly to my situation!?
I have a dispute with FedLoan Servicing for reporting me " 90 Days Late '' on TEN accounts without contacting or attempting to contact me in any way.
I have 10 School Loans on my name for my son 's college education. He graduated 3 years ago and has been struggling with drug addiction. The loans ( mine and his ) were placed on " forbearance '' status since his graduation. In XXXX, XXXX, FedLoan Serv. sent me an email notifying me to log on, and extend the " forbearance '' status of my loans, based on mine and my son 's being unemployed, and I having to care for my elder mother.
This was the last communication I received from FedLoans!
In XXXX of XXXX my son was committed to a Clinic for XXXX in XXXX, where he presently is. Since then the family attention and resources have been devoted to his treatment. Prior to him checking into the facility, he assured me that the loans are in " forbearance '' mode.
In XXXX, XXXX, I incidentally discovered that FedLoans have had me reported " 90 days late '' on all 10 accounts to the Credit Bureaus .They told me they SENT ME A TEXT on XX/XX/XXXX. I verified with T-Mobile that this is not true. When confronted with the fact, on XX/XX/XXXX, they ( XXXX ) stated " ..still, it is a correct reporting ''. They claim to have sent emails to my son 's ( he has not have internet access since XX/XX/XXXX ) email, being the 'primary ' in the account, while mine is 'secondary '. I am residing, since XXXX, at the only address they have on file. The phone number they have on file for me, I have had for 15 years.
Please, let me know if I can help with an additional information.
Thank you.
XXXX XXXX.
PS : FedLoan Services did offer, and provided me with a letter/statement that I am, and have been current on all accounts, BESIDES the 90 days.
Company Response: Closed with explanation
2019-08-08
OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: My story is like most stories held by others who are anxiously awaiting Public Service Loan Forgiveness. I was the first in my family to attend college and I went on to pay my own way through undergraduate and graduate school at two of the top universities in Ohio.
As a kid growing up in the city of XXXX, I always knew I wanted to help people and make a difference ; but I didnt know exactly what career path that would lead me to. I graduated from the University XXXX XXXX in XXXX with a XXXX in XXXX and I was one of the first students to receive a XXXX in XXXX XXXX XXXX XXXX. I knew I had to pursue graduate school if I wanted to be employed and afford to live on my own. I immediately entered XXXX XXXX XXXX Universitys XXXX XXXX XXXX and worked diligently for two years to receive a XXXX XXXX and XXXX XXXX XXXX license.
Knowing I was graduating during the Great Recession, I acted quickly to find ways to manage my looming amount of student loan debt. I was entering the XXXX XXXX field where my first job was starting at {$26000.00} with long hours and unsafe conditions. Unlike many of my fellow classmates, I didnt have financial assistance available from my parents or other means to pay for my education. I was fortunate to have an aunt who allowed me to live with her for many years in order for me to be able to afford my monthly student loan payments and also continue to provide financial support to my aging parents.
I found the PSLF program my last year of graduate school and immediately had my eligible loans consolidated, entered an Income Based Repayment Plan and made every monthly payment. I spoke with the loan companies and the Department of Education regularly to ensure I was correctly enrolled and waited as patiently as I could for details to arise about how the PSLF would work. Once more information became available regarding the PSLF, I completed paperwork and submitted it to ensure that I was maintaining my eligibility for this program.
Over the last ten years, I have worked at five different places of employment, all of which have met the qualifications for PSLF. I have submitted all necessary paperwork, often multiple times due to the mishandling of documents by the loan servicer. I made numerous calls to clarify and correct information and to verify I was still eligible and on the path for PSLF. I have never deferred, defaulted or missed a single loan payment.
Not all public service jobs are alike. In the XXXX XXXX field, the employment opportunities are often long hours, low pay, and high stress which leads to compassion fatigue, secondary trauma and burnout. Ive read many articles related to the hardships people are facing due to misleading information about PSLF. Stories from doctors, lawyers, teachers and others. I want someone to be sure to tell the story of XXXX XXXX.
In these last ten years, I worked in XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have worked with XXXX who experience XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and our XXXX XXXX. I have XXXX XXXX XXXX XXXX for XXXX with XXXX, XXXX policies to prevent XXXX XXXX in XXXX, and XXXX XXXX XXXX to address the XXXX crisis in our communities. I did this work because I have an unwavering belief my purpose is to serve. I did this work because I have seen how our systems continue to fail and harm our neighbors, schools and communities.
I didnt go into this field to make money or even with the knowledge that PSLF was an option. I did it to pursue my purpose to serve and try to use my gifts to influence change. And honestly, that mission has come at a cost due to the amount of sacrifices I have made to maintain my eligibility for this PSLF. Sacrifices that look like forgoing better paying job opportunities, not building a substantial savings account to buy a home, and staying in jobs where I have been XXXX XXXX.
Ten years ago, I graduated with my XXXX XXXX and started this PSLF journey. That passion fueled, service driven woman who was ready to work hard and change systems is worn down by a series of failed promises. The year I have been waiting for has come and I unfortunately do not know what lies ahead. I have completed all the necessary steps for the PSLF and have been informed over the last several months by the Department of Education that they are now manually counting my payments to determine my eligibility. They state this could take up to a year to complete. I have called relentlessly over these last ten years, took names and employee ID numbers, received different confirmations and various stories related to the fate of my student loans. I have watched them lose my paperwork several times thus delaying processing. Because of the high interest rates, my total loan amount is reaching well over {$100000.00}.
But I dont have any answe
rs. The Department of Education has informed me this week that they do not either. They are unable to give me any information related to my PSLF status and if I will even have my loans forgiven. I am so close and yet also so far away from knowing what direction I am going in. I have put off opportunities not only to make more money to support myself but more importantly, to effect change on a bigger level than any XXXX I have ever worked for. I cant move to fulfill my dreams of living near my family or starting a family of my own in fear of jeopardizing my PSLF eligibility.
My story is like many others who have been working in the XXXX XXXX field and tirelessly pursuing PSLF. Our field cant survive without this kind of loan relief. In a time where we need more XXXX XXXX we are at great risk of losing an entire industry of helpers. When I speak to students, interns and new hires looking to be in XXXX XXXX or the XXXX XXXX, I have to have an honest conversation with them about the risks that come with choosing this career path. Not only do we face the risk of XXXX, burn out and high stress levels, we also now carry the burden of not knowing if we can financially care for ourselves and our families because of the choice to be of service. For something that should feel like a gift, it is starting to feel more like a punishment.
I hold a lot of privilege as a XXXX woman who has received a XXXX XXXX degree and maintains a successful career. I do not take the opportunity for PSLF for granted and have gone above and beyond to meet the qualifications for this program. If sharing my student loan debt experience can help catalyze change to support others in this field than I want to be sure I use my voice as an instrument of change.
I appreciate you taking the time to listen to my story and I would be grateful for the opportunity to discuss this further.
Timeline Please note : calls were made regularly to verify eligibility for PSLF, paperwork was submitted regularly and on time to prove income for IBR, payments were made monthly with no lapse of time or delay. I have documentation and proof of payment since XX/XX/XXXX.
XX/XX/XXXX- graduated from the University XXXX XXXX XX/XX/XXXX-graduated from XXXX XXXX XXXX XXXX XX/XX/XXXX- applied for loan consolidation with XXXX XXXX XX/XX/XXXX-application accepted and loans consolidated through XXXX XXXX with Income Based Repayment ( IBR ) XX/XX/XXXX- received a letter stating XXXX XXXX sent me an Income Contingent Repayment ( ICR ) letter in error when I have and continue to be on the Income Based Repayment ( IBR ) plan.
XX/XX/XXXX-XXXX XXXX informed me that they were transferring my account to XXXX XX/XX/XXXX-received notice from XXXX they were putting my loans in forbearance, rectified via the phone that this was an error due to glitches with loan transfer from XXXX XXXX.
XX/XX/XXXX- Employee Certification submitted to XXXX XX/XX/XXXX-notification from XXXX that my loans are to be transferred to FedLoan XX/XX/XXXX-employee certification submitted to Fed Loan XX/XX/XXXX-Employee certification re-submitted to Fed Loan XX/XX/XXXX-received notice from Fed Loan that only employment from XX/XX/XXXX-XX/XX/XXXX is recognized as certified employment for PSLF. Spoke with representative on the phone that this is an error and still reviewing.
XX/XX/XXXX-received letter from Fed Loan stating that I have only made 50 qualifying payments total and that I have 70 more remaining putting me at a PSLF eligibility date of XX/XX/XXXX.
XX/XX/XXXX-spoke with Fed Loan regarding letter and was informed this was a blanket letter that went out to all borrowers and that my Employee Certification was approved ( please note I did not receive any kind of electronic or written notification ) and that the final step is to manually county my remaining payments. She stated this could take 1 month to 1 year.
XX/XX/XXXX-Contacted Fed Loan to follow up on status of manual recount of repayments. Was informed that my loans are still being recounted and that I should not contact as Fed Loan will notify me when the review is complete.
XX/XX/XXXX- received another update from Fed Loan stating they reviewed my application and once again same results, 50 payments made, 70 remain. I contacted them because this was a more detailed letter that stated this year alone I only made six payments when I had the payment record right in front of me on their website. I was informed that if I had payment documentation to upload it to the website because they are very overwhelmed and could use the help.
XX/XX/XXXX- all ten years of loan payment documentation as well as IRS statements were uploaded to my Fed Loan file. I contact Fed Loan on XX/XX/XXXX to ensure they received it and they verified they did and they would mark it as escalated.
XX/XX/XXXX- received an electronic letter stating During a review of your loans, we removed an Administrative Forbearance that was previously applied to your loans because we received updated information that changed your eligibility. See below for updated details on your impacted loans.
XX/XX/XXXX- received an email update informing me that my payment count review has been updated and that I am scheduled for PSLF XX/XX/XXXX XX/XX/XXXX- contacted Fed Loan who informed me that my initial payments in XX/XX/XXXX/XX/XX/XXXX were not under the correct plan so they dont count. She also informed me that payments from XX/XX/XXXX until now have not been counted because I need to resubmit Employee Verification forms. **None of this information has been provided to me in the past and I have had regular if not weekly phone calls with DOE .
Company Response: Closed with explanation
2019-08-07
Foothill Ranch, CA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: I first applied for the Fedloan Serving program in XXXX in hopes of getting loan forgiveness since I've been paying on my student loans since late XXXX or early XXXX and I have been a public servant since XXXX, XXXX. I have never missed a payment to any of the various loan companies that owned my loans. The Fedloan Program turned me down in XXXX, saying my loans, which were originally Federal Stafford Loans, did not qualify me for the Program. In XXXX, XXXX, I was solicited by XXXX XXXX and told I could get into this program to reduce my loan payments. I was charged {$690.00} by XXXX XXXX to get me into the Fedloan Serving program. My loan payments went down to $ XXXX/month for the first year. In XXXX, XXXX, Fedloan Servicing informed me via email that I needed to recertify my " income-driven repayment plan. Their customer service helped me submit the form XXXX XXXX ) via the internet and it involved the IRS. For reasons I don't understand, Fedloan is now increasing my monthly payments to {$380.00}, effective XX/XX/XXXX. This is a 60 % increase. On XX/XX/XXXX, I called Fedloan regarding this issue. The customer service person suggested I ask for a recalculation and provide pay-stubs rather than IRS information. On the same call, I was transferred to a second agent who listened to my concern and suggested I get out of the Fedloan Program since I really didn't qualify for it anyway and I could save money by going to a regular payment plan with a different servicer such as XXXX which had serviced my loan previously. I feel like I've been miss-lead by the Fedloan Serving Program and by Mr. XXXX XXXX, the case manager at XXXX XXXX ( http : //www.nexum-servicing.com ). After receiving my {$690.00}, I was never able to talk to XXXX on the phone again. He had convinced me I could save money with Fedloan and he told me my payments would go down to {$0.00} when I retire from State Service in XXXX. He told me I would receive loan forgiveness once my payments went to {$0.00}. I have concluded his advise was incorrect and or miss-leading. I regret having my loan transferred to the Fedloan Program because its representatives have indicated I will not receive loan forgiveness for my 20 years of public service. I am very concerned about the cost of my student loan debt, especially since I intend to retire from State service in XXXX. I am also concerned about how I will be able to afford these student loan payments once I am receiving a pension. I am also very disappointed that I haven't been able to " qualify '' for loan forgiveness based on my long years of public service. I think this whole Fedloan Program is complete scam and I have been duped.
Company Response: Closed with explanation
2019-08-07
TN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have been on an Income Base Student Loan Repayment for 11 years now. I applied around XX/XX/XXXX for the Public Service Loan Forgiveness plan the government has so my student loan servicing company switched from XXXX to fedloan. Final XX/XX/XXXX I called fedloan find out the status because I only have to make 120 qualifying loan payments for the loan to be forgiven and I have made them. after speaking to a fedloan representative ( id # XXXX ) he informed me that the records show I have only made 1 payment out of the 120. He stated that I have been on a different payment plan, I told him thats not true because I fill out the information every year to re-qualify and it says IBSLR plan. The representative told me unless I could show proof for the last 11 years there was nothing he could do. I told him I wanted to file a complaint and wanted an investigation started, he said with no evidence he would not do that. I told him I wanted to speak to a supervisor, he ask why I told him to file a complaint against him for not doing his job, he laughed and said give him a minute. He then came back and said he was able to see in XX/XX/XXXX a letter sent out saying it was time to renew the income base plan, I told him I still wanted to speak with a supervisor so he transferred me. Supervisor ( id # XXXX ) answered I explained all to her then she says noting they can do I would have to pay for another 10 years before I would be eligible. We went back and forth I told her the other guy found a XX/XX/XXXX document she said she could not find it and could not contact the other representative about it I was just out of luck. I told her I wanted to file a complaint and investigation she said I could not do that. I stated I would be calling the Department of Education to file a complaint against her. After back and forth she finally told me she would start an investigation even though she just said I cant do that. She then told me to investigate they would have to go thru 11 years of paperwork XXXX sent them to make an assessment of how many payments I have made that qualifies for the Public Service Loan Forgiveness plan and it will take 6 months to a year to complete. I told her that is unacceptable and she said that is the way it will be that I can just continue to make the payments because ( she said in a different tone of voice ) I am not eligible for the PUBLIC SERVICE LOAN FORGIVENESS. In my opinion fedloan is discriminating against XXXX XXXX workers. I have already meet the 120 payment requirement and submitted all paperwork to be eligible. Please help with this incident.
Thank you,
Company Response: Closed with non-monetary relief
2019-08-07
NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I've had a federal student loan since XXXX, when I graduated. First with XXXX XXXX, who was bought out by XXXX in XXXX, which is when I began the income based repayment plan. In XXXX, I switched to Fed Loan Servicing. I was told that I would not loose the years I'd put into the income based plan since XXXX. I was given mis information ( I would say I was lied to, given the fact that I specifically asked whether I would be keeping the years I had on the payment plan.
In addition, I never received a letter describing the plan that I'd agreed to at the time, which I was told today that I should have received.
I am now being told by Fed Loan Servicing that the years I was on income based with XXXX XXXX XXXX were wiped out when I consolidated with Fed Loan Servicing in XXXX.
I consolidated because I was told I'd get a better rate, and be able to stay on the federal income driven plan ... why would I have agreed to lose 6 years.
I am beyond frustrated with the lack of ethics, and disregard for educators, who have served our children for decades!!!
XXXX XXXX
Company Response: Closed with explanation
2019-08-07
Grand View, ID
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: During the spring of XX/XX/XXXXI developed medical issues that were later diagnosed as a rare form of XXXX XXXX XXXX. As such, my medical expenses for the diagnosis and treatment of the disease exceeded my available resources to pay for both healthcare and my student loans. I fell behind on payments and ultimately into a default status on the loans. When I had recovered sufficiently, medically and financially, I refinanced my house to pay off the student loans. Payment in full for {$77000.00} was sent to Fedloan Servicing in XX/XX/XXXX and received by them on XX/XX/XXXX at XXXX XXXX ( USPS tracking # XXXX ). Fedloan servicing also transferred my account to the department of education default group on XX/XX/XXXX. Subsequent phone calls to Fedloan servicing were not fruitful in that they stated they had not received any payments on my account. A conference call was setup, XX/XX/XXXX, with a representative from my bank to provide information about the check that was issued and when it had cleared my account. During the call the representative from Fedloan servicing initially denied receiving the funds but later agreed they had received the payment and it was being held in suspense. She stated the funds would be transferred to the Dept of Ed on XX/XX/XXXX to clear my account. In XX/XX/XXXX I again contacted Fedloan servicing and was told the funds had not been transferred. XXXX, a supervisor with Fedloan servicing stated she could see the funds in their suspense system and that the account was marked as " do not forward or apply ''. She was unsure of why it was annotated in that manner but said they would send payment back to my bank. I asked for confirmation to be sent to me when this happened and she stated she would request that. Subsequent phone conversations have not resulted in the funds being released or any indication of when or if they would release the {$77000.00} that they agree they have no right to keep. It has been over 90 days since they received the funds and my account remains in a default status and is being erroneously reported as such on my credit. Recordings of the conversations with Fedloan servicing are available upon request. Their lack of releasing the funds in a timely manner is resulting in an additional cost to me of over {$7000.00} above my agreement with the department of education to clear the debt.
Company Response: Closed with explanation