AES-PHEAA

2019-07-29

Hempstead, NY

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

2019-07-29

Manchester, CT

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

2019-07-29

Washington, DC

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

Timely Response

2019-07-29

Louisville, KY

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-07-29

Mt Pisgah, IN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: For the past several months ( and for a year prior ) I have been attempting to have four loans ( loans 1,2,3 and 4 ) placed into forbearance due exclusively to a borrowers defense application against XXXX colleges. However, it seems difficult to place these four loans into the correct status. I have a total of fourteen loans with fedloan servicing and they have continually placed all loans, a few loans and the incorrect loans into the forbearance status. I had called them weekly to push to get this resolved. I have explained explicitly that I wanted loans 1-4 placed in forbearance and loans 5-14 placed into repayment. However, this was beyond their comprehension until XX/XX/2019 when I had to repeatedly be transferred to managers to handle a simple issue. I then find out that a loan was not ever included into the repayment and was left in forbearance. Not only has this been a huge waste of time and resources I have a charge of {$1800.00} in interest capitalization because they failed to place the proper and correct loans into the forbearance and repayment status. Even when speaking to first level employees and supervisors they repeatedly stated the only way to have this done is to keep ALL loans in a forbearance status even after I stated that I wanted to repay my loans and not accrue further interest charges. I feel like this is fraudulent and not in the best interest of the consumers/loan borrowers. Fedloan is not being held accountable for their actions and their divulgence of information
Company Response: Closed with non-monetary relief

Timely Response

2019-07-28

PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Greetings! Thank you for taking the time to listen to my concern. I work in the nonprofit sector and have been doing so for 12 years. I planned to apply for loan forgiveness when my 10 years worth of payments were complete. I checked program guidelines and thought everything was in order. However, I was mistaken. Me and many other smart people did not qualify afterall!! I applied for loan forgiveness in 2017 and was denied. I didn't realize I had to have Federal Direct Loans. When I found out I immediately consolidated at which point I was told my 10 years time clock now starts OVER! Also, I was told I have to be on a " income based repayment plan ''. That would double my monthly payment and all my loans would be paid in another 10 years. This doesn't make any sense. I worked 10 years for qualifying nonprofits. I made 12 years worth of consecutive payments. I still owe a ton of money. Why can't those funds be forgiven?? My husband has had the same experience. I found out recently my State Representative and other prominent people working in the nonprofit sector have had the same experience. This is WRONG. Even with the temporary assistance bill that was passed, we and many others still can't get assistance. This is a broken promise. Guidelines were not communicated or communicated well or we wouldn't be in this situation. This is mismanagement of public funds. This is a SHAME! Please help find a remedy for this situation.
Company Response: Closed with explanation

Timely Response

2019-07-28

Fort Macarthur, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-07-27

Bendale, SC

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-07-26

TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: As of XXXX, we were informed that I had been late on payments since 2018, I was not only dissapointed as I had not been getting any emails, also I was part of the XXXX email hack. SO I called and explained and my once XXXX credit score went to a XXXX. I was able to get the payments deferred while I tried to get new payment plan and get my loans taken care of. After finally getting the payment to XXXX and have been current since then which has been 3 payments now. I received a 40 point drop last week stating I have not been paying student loans. I tried contacting them and they said that they could do nothing but send a letter stating I was current. This has XXXX eveything up. I want my credit fixed.
Company Response: Closed with explanation

Timely Response

2019-07-26

Las Vegas, NV

Incorrect information on your report

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

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

Timely Response

2019-07-26

MO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XX/XX/XXXX : I emailed customer service asking if there was an upload function for submitting IBR documents, which were due by XX/XX/XXXX. XX/XX/XXXX : Customer service representative XXXX replied, instructing me to reply to the email with attached documents. XX/XX/XXXX : I did as I was instructed in order to have my documents submitted and processed well before the deadline. XX/XX/XXXX : I was charged standard repayment amount, which was autodrafted. Interest was also recapitalized, adding {$13000.00} to my total. XX/XX/XXXX : Called customer service and spoke with XXXX. I explained that documents had been sent in XXXX as instructed by a representative of AES. XXXX instructed me to re-send the documents to XXXX as before. XX/XX/XXXX : Sent all necessary documents again to the email address given. XX/XX/XXXX : Called customer service to confirm receipt of email, spoke with representative XXXX. I was told email attachments were unsuitable and that I should mail everything in. Representative apologized for the misinformation I was given on multiple occasions and suggested that I request in writing expedited processing and a correction of the payments and recapitalization. XX/XX/XXXX : I mailed hard copies of all necessary paperwork to the address provided, along with a hand written copy of this timeline, copies also attached. Requested expedited processing of paperwork, as well as correction of my XX/XX/XXXX and subsequent payment and a reversal of capitalized interest. Never received any acknowledgment of request. XX/XX/XXXX : Called customer service again and asked for escalation. Spoke with XXXX, who expressed his confidence that the capitalization would be reversed. He asked for 4 weeks to investigate and find a solution. XX/XX/XXXX : After leaving a couple follow-up voicemails, XXXX called and informed me that my case had been rejected. He kindly commiserated with me, but told me the only thing left to do was write an appeal.
Company Response: Closed with explanation

Timely Response

2019-07-26

San Antonio, TX

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: hello this complaint is in regards to XXXX, i called earlier today to request help with options on getting on track with my past due which was XXXX dollars i told her i could pay XXXX dollars today, due to being in the hospital and being off work, the agent was not helpful and was being rude so i hung up and didn't call back at all, then today at XXXX XXXX my local central time i get a call from the agent from her personal cell number cursing me out and she left me a voicemail, my concern is has my social and personal information been compromised, she needs to be fired!!! she took the time to call from her personal phone number & left me a voicemail after hours!! she needs to be fired!! my biggest concern is my personal information, this needs to be looked further into! what kind of workers do they have handling our personal information!!
Company Response: Closed with non-monetary relief

Timely Response

2019-07-26

NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have worked in the public sector for almost my entire career. I consolidated my student loans in XX/XX/XXXX ( all Unsubsidized and Subsidized Stafford Loans ), that I accrued while attending XXXX XXXX at XXXX, as well as XXXX XXXX at XXXX, from XXXX. I have been making payments on those loans since XX/XX/XXXX, with a few deferments here and there because life happened. In XX/XX/XXXX, I asked my loans to be transferred to MYFEDLOAN from XXXX, my prior servicer. I also have record of all of my years of payments to XXXX, but the most recent few years of payments to MYFEDLOAN accompany this complaint. I changed loan servicers to MYFEDLOAN to begin the PSLF process, as I had worked for the 10 years the PSLF program required. MYFEDLOAN stated, after review of my application, that I had been placed on the " level '' repayment plan, vs. the " income based '' automatically, years ago, and therefore NONE of the payments I have made since XX/XX/XXXXhave counted towards PSLF. I was never told of this change. In addition, since I have transferred my loans to MYFEDLOAN in XX/XX/XXXX, NONE of those payments have been counted toward forgiveness, despite repeated phone calls to MYFEDLOAN. The record of those payments accompanies this complaint, and I have all documents covering payments made to XXXX as well. I would like my loans forgiven, as promised. I also want my last few years of payments to be counted toward forgiveness, because I am enrolled in the right repayment plan, and MYFEDLOAN still refuses to count those payments.
Company Response: Closed with explanation

Timely Response

2019-07-26

Allouez, WI

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2019-07-25

Oxford, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: On XX/XX/2019 I received notice from PHEAA Fedloan Service ( via my online account inbox ) that I must began paying my student loans effective XX/XX/2019. I submitted to PHEAA via their online complaint there is an error that my summer school began on XX/XX/2019. I uploaded a copy of my course enrollment receipt indicating the student loan amount for summer school. They refuse to accept the information stating they had already checked the federal data base which indicated I was not an enrolled student. Within my online PHEAA account lists my last student loan amount of {$3800.00} which was disbursed to me on XX/XX/2019. That is confirmation that I am a current enrolled student coming PHEAA 's information regarding my student status. PHEAA still refuse to make the corrections removing me from being in delinquent. I have proof.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-25

Apple Valley, MN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-07-25

Foothill Ranch, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: For the part 5 years I have been paying $ XXXX/ month toward my student loan. After seeing late payments on my credit history and calling student loan services, I discovered that someone else 's information was in my account information and that my {$39.00} each month was not going toward my loan.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-25

Guadalupe, AZ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2019-07-25

AL

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Company Response: Closed with explanation

Timely Response

2019-07-25

MO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have been on an income based repayment plan since 2012 after my graduation. My loans were originally with XXXX XXXX then they were transferred to Fed loan. I have submitted my qualifications for working for non-for profit organizations every year. I have not missed any monthly payments at any time. 3-4 years into my payments, I was told I did not consolidate correctly and that all of my loans that aren't " direct '' would not be forgiven. This information was not given to me initially when I consolidated my loans. I have made extra payments towards these loans ( nearly $ XXXX ). I have contacted Fed-loans to make sure this would not interfere with my normal monthly payments which I have continued. I have requested multiple times for an up to date manual count. I have been given different conflicting information multiple times upon these requests ( none were manual counts but estimates ). More recently I was told that only 5 of the 7 years of payments would count. I am still working at non-profit organization but have had job offers at private organizations. I am staying at my non-profit currently in the hopes of loan forgiveness in 3 years. Please help me get accurate information on my loans as Fedloans has told me in e-mail that they currently do not have the resources to give me this information.
Company Response: Closed with explanation

Timely Response

2019-07-25

Bel Alton, MD

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

2019-07-25

Albion, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Company Response: Closed with non-monetary relief

Timely Response

2019-07-24

Shawnee, PA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2019-07-24

Avondale-goodyear, AZ

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

2019-07-24

Edmond, OK

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

Timely Response