AES-PHEAA

2019-07-02

Cockeysville, MD

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-07-02

Jax, MS

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I'd like to add that since I first submitted a complaint to FedLoan, I heard a news story on XXXX about how many people are having the same issues I've had. The PSLF program is in disarray, and dealing with FedLoan Servicing is very difficult. I handled congressional inquiries for a U.S. Senator, and just yesterday, I received a call from a constituent who is having the same problem I am - as are many.
Company Response: Closed with explanation

Timely Response

2019-07-02

Granada Hills, CA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-07-02

Cherry Brook, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: I submitted required documentation for certification of my employment for Public Service Loan Forgiveness in XX/XX/XXXX. I received confirmation the the employment was certified via letter from FedLoan indicating the following : Qualifying Payment Tracking for Public Service Loan Forgiveness In the next few weeks, we will calculate and provide you with notification of : The number of qualifying payments you have made during the qualifying employment period listed above, The total number of qualifying payments you have made during all periods of qualifying employment approved todate, The estimated number of payments that are still required, and The date you are expected to be eligible to apply for forgiveness. However, it is now XX/XX/XXXX and I have not yet received any information regarding an update of the number of qualifying payments. I have contacted the servicer and no one has been able to tell me when the review/update of my qualifying payments will be made. It has been 9 months without resolution. This is absurd.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-02

Memphis, TN

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Letters of XXXX keep coming to my address, and it wasn't me that did the borrowing, I'm not in school and a senior citizen and not employed, I got some letters of deferred payment, I've call FedLoan services and talked to someone and told the person that it wasn't me but the letters kept coming of the total amount due, also this payment had went to consumer reporting agency, it went to the credit agency, I haven't been to school in years, looks like it was easy to get the loan but trouble to straighten out, In my elderly condition I want this thing discontinued, I don't want this loan to identify me as being the borrower, and I want it straighten out through the XXXX
Company Response: Closed with explanation

Timely Response

2019-07-02

Warren, RI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have repeatedly asked that my extra payments on my student loans be applied directly to principal, and that my due date not be advanced, and my student loan servicer MyFedLoan refuses to process my payments in the way I specify. I called today to express my dissatisfaction and spoke to XXXX. My student loan payment is {$240.00} and due on the XXXX of each month. Currently, my servicer claims that I do not have a payment due until XX/XX/XXXX of 2019. However, I pay {$450.00} monthly, with my regular monthly payment plus {$10.00} and I make two bi-weekly payments of {$100.00}. This is done strategically to hit the principal balance, lessen the interest accrual and pay the loans faster. My servicer refuses to put my extra payments directly on my principal balance, and despite my requests, maintains that it is within their right to apply it to interest first. I don't believe this is correct. Every other lender I deal with provides the option to make just a principal payment. Also, I believe that the consumer is allowed to request how their payments are applied. The way that they are applying my payments forces me to pay more interest despite my efforts to pay less interest and pay them off prior to maturity, which my loan agreement allows me to do without penalty. I would like this investigated as I believe they are in violation as to the consumer 's right to request how their payments are applied.
Company Response: Closed with explanation

Timely Response

2019-07-01

Silver Spring, MD

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: I work for XXXX as an XXXX. I have been on income driven repayment for five years as I am XXXX and have XXXX young children. The Pennsylvania Higher Education Assistance Agency denied my annual recertification and has not provided information as to why. No significant changes have occurred since last year and my wife signed as has been standard practice.
Company Response: Closed with explanation

Timely Response

2019-07-01

Wallington, NJ

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

2019-07-01

Fred, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I was told my recertification application was incomplete because I did not tell them the frequency which which I am paid ( weekly, monthly, biweekly, etc ). I uploaded documentation ( my paystub ) and indicated I am paid biweekly. Now, 3 weeks later and after the re certification deadline, I receive a notification that I they still need information on the frequency of my pay or else I will face an administrative forbearance/standard repayment plan. This is unacceptable as I documented each interaction with FedLoan and uploaded documentation, which is dated, to their online portal.
Company Response: Closed with explanation

Timely Response

2019-07-01

Harrisburg, PA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: This is supposed to qualify for loan forgiveness as I've received information about this and is to be completely forgiven.
Company Response: Closed with explanation

Timely Response

2019-07-01

Brooklyn, NY

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

Timely Response

2019-06-30

Bronx, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Called on the XXXX of XXXX to discuss why XXXX $ was taken out of my debit account when I can not afford this payment. In order to lower my payments I submitted an income drive repayment plan application. Fedloan sent me a letter saying it was still pending but they needed more information. I sent all correct documents such as my most current tax information. When I called Fedloan customer service they agreed with me in that letter I was sent did not make sense and therefore my application should not be pending. The agent I spoke to, ensured me that my next payment would not be debited from my account because she will suspend it. As of today, XX/XX/XXXX, when I look at my bank statement it says my debit account is XXXX $ because Fedloan RETRIED a payment of XXXX XXXX They are not giving me clear information and clearly aren't following through with the requests i've made. I am also trying to take my account and routing number off of my Fedloan account online and I am unable to do so. I refuse to make any more payments until this situation is rectified on their end.
Company Response: Closed with non-monetary relief

Untimely Response

2019-06-30

Rollingstone, MN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have previously submitted a complaint about the payment count for the PSLF program. The results returned as a range of 63-80 payment counts for the individual loans. I do not understand how I can have different payment counts since my loans were consolidated when I graduated in XX/XX/XXXX and began payments in XX/XX/2011. Thank you.
Company Response: Closed with explanation

Untimely Response

2019-06-30

Southern Pnes, NC

Incorrect information on your report

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

Account information incorrect
Complaint: The Master Promissory Note ( MPN ) must contain 8- pages which incorporate an itemized list of the total amounts disbursed during my time at college. AES has furnished copies of the front end of the two-sided Application and MPN, and separate copies of what could be the back ends of any persons documents. Moreover, nothing links these copies reliably together. There is no information on the separate copies of the back ends that relates them reliably with the front ends of the application and MPN documents. The MPN provided appears to be fraudulently combined together as one. The MPN combines separate notes as if it were the original copies, appearing as one MPN. The information provided by AES, displays an MPN from XXXX endorsed in XX/XX/XXXX at XXXX XXXX XXXX XXXX. Ordinarily, MPNs include the principal amounts loaned ; however, the 2nd part displays an application for an MPN signed in XX/XX/XXXX with 2 principal amounts. The OCA, AES, claims it holds legally binding MPN. Consequently, AES is responsible for validating such claims and the corresponding monetary demands. In accordance with case law, ( as assignees, the Guaranty Agencies and other secondary holders step into the shoes of the lender from whom they have taken the MPN notes and are subject to any defenses that the student/obligee may assert against the assignor/lender. See XXXX v. XXXX XXXX of Washington, 788 F. Supp. 1233, 1248 n.9 ( D.D.C. 1992 ), reversed on other grounds, 27 F.2d 573 ( D.C. Cir. 1994 ), vacated, 515 U.S. 1139, on reconsideration, 59 F.3d 354 ( D.C. Cir. 1995citing ). Based on the available information, the records were created after I withdrew from college without the existence of the corresponding lending and borrowing transactions or any other relevant documents. Such internal record creating does not create liability, the partial, front-end copies of the Application and MPN, AES has furnished, are financial aid applications. Based on the available information, qualifying MPN in this case do not exist at all, and AES does not have even the original two-sided financial aid Application and MPN documents in its possession. Based on the available information, AES has partial copies of irrelevant documents, created internal records and now claims ownership of an alleged debt, these documents do not contain the following information that is necessary for a document to qualify as a legally binding MPN : 1. The exact principal amount that has to be paid. An MPN must be an unconditional promise to pay. The endorsed partial duplicate of the Application and MPN financial aid document on its own is not an unconditional promise to pay, since the financial aid applicant may possibly not collect any loan at all, or may obtain the loan in the future at an unidentified point in time, in which circumstances the loan amount will be disclosed to the debtor in the Notice of Loan Guarantee and Disclosure Statement. The Application and MPN financial aid document does not affirm with certainty that the financial aid applicant will receive or has received any loan amount at all. If the applicant does not obtain any loan amount, then there is no responsibility or debt obligation. If AES maintains that lending and borrowing transactions occurred, AES must supply relevant signed documents that amount to legally binding debt instruments and unconditional promise to pay. If AES is the concrete legal owner of the alleged debt ; moreover, AES must have the original, fully qualifying MPN documents in its possession. AES client has yielded copies of the front end of the two-sided Application and MPN documents, and separate copies of what could be the back ends of any persons documents. Consequently, nothing connects these copies reliably together. There is no data on the separate copies of the reverse ends that correlates reliably with the front ends of the Application and MPN documents. I do not accept the unidentifiable unconnected back ends as portions of the same documents. Any person who processed these records could have created a copy of the front end of my financial aid applications, and the back end of another persons financial aid applications, and put them next to each other either accidentally or intentionally, claiming that these two copies belong together as one document. AES must furnish exact duplex copies of the original Application and MPN documents as requested above. However, during the 1-year long debt validation dispute, AES has not been able to furnish exact duplex copies of the original Application and MPN documents. Instead, AES sent partial copies of documents, that were made from partial copies of documents. Please ensure not to send one-sided copies, so that you create separate copies of the front and back end of the original documents. Similarly, please do not send two-sided copies that are made from copies. Such copies can be prepared by putting together two sheets of paper and photocopying both sides as if it were one document. Such exploit is equivalent to forgery. During the period I attended XXXX XXXX XX/XX/XXXX, I did receive financial Aid which including scholarships, loans and grants. In addition, according to my Award letter from XXXX, it does disclose I had Stafford Subsidized and unsubsidized loans. However, it isnt deemed a valid award letter, due to it not indicating the total amount of assistance which includes the total amount of income. Moreover, it also does not include my signature. I received a breakdown of the payments from XXXX ; however, it doesnt appear the award letter is valid. It seems as if XXXX XXXX billing provided an award letter without a signature, which included the Stafford Subsidized and unsubsidized loans. However, I didnt realize that there was a requirement to sign this letter at the time. It appears as if XXXX XXXX indicates I accepted these funds for education, then AES retrieved the information and started collecting payments for which I didnt obtain at college. In addition, I didnt receive an acknowledgement from AES that XXXX XXXX provided payment. Also, not included in the request, was a loan origination record. Moreover, XXXX provided an award letter that wasnt drafted correctly. This award letter, included a financial aid letter without a signature. After I left college, I received a letter from XXXX requesting to sign documentation to confirm the loan will pay for college. I signed the document because I thought this was the document to sign for the Stafford Subsidized and Unsubsidized loans. The service at that time was XXXX, XXXX and XXXX. For the past several years, I paid AES/XXXX XXXX a monthly amount. I demanded an MPN from the company. They furnished information ; however, this was endorsed after I departed college. I asked AES to eradicate this trade-line from my credit report ; nevertheless, XXXX and XXXX allowed the aforementioned on my credit report. I requested signed loan information before I started school in XX/XX/XXXX. AES failed to provide a signed School Certification or MPN. For that reason, I would like to have all the payments refunded that I paid to American Education Service in the amount of {$16000.00}. Accordingly, I request that AES client furnishes copies of the following documents : 1 ) Exact copies of the original documents that demonstrate that student loan lending and borrowing transactions did take place and the resulting debt exists. Therefore, please have each document notary certified, stating that : 2 ) The document is the exact copy of the original document, not a copy of a copy 3 ) The copy was made in the presence of the notary who certifies it. 4 ) Which company or organization currently holds the original document. In summary, the information provided by AES doesnt provide a valid Master Promissory Note, Award Letter, School Certification letter, Notice of Loan Guarantee, or disbursement, nor a receipt from American Education Services paid to XXXX XXXX University, and no receipt from XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-06-28

Wilkes Barre, PA

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

Student loan: Federal student loan servicing

Their investigation did not fix an error on your report
Complaint: student loans paid off XXXX XXXX 10 years still reporting on credit reports. have asked to have removed and still showing. accounts are closed ( 3 )
Company Response: Closed with non-monetary relief

Timely Response

2019-06-28

Neotsu, OR

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Complaint: On XXXX of XXXX I switched my loan servicing from XXXX to FedLoan. For the past five years I have been paying my loans with XXXX. With XXXX, I would verify each year that I was in a repayment program that qualified me for Public Service Loan Forgiveness. I printed documentation of these payments, and was assured by XXXX that my account would remain online, so I could continue to verify repayment program and payments. When my loan was transferred to FedLoan in XXXX of XXXX, verification of my payments were not transferred. At that time I had made 49 qualifying payments toward the PSLF program. On XX/XX/XXXX I contacted FedLoan and spoke with XXXX XXXX and asked where verification of my loan payements from XXXX were, she said it will update within 30 days. On XX/XX/XXXX, when my loan payments were not updated on my account with FedLoan, I spoke with XXXX XXXX who told me that they have to look into my detailed history with XXXX and it would take 60-120 business days to be approved. I then called XXXX who informed me that they had not received contact from FedLoan regarding my account. On XX/XX/XXXX I spoke with XXXX XXXX XXXX regarding why my loan payments toward PSLF had not been updated from XXXX, nor the payments i had been paying to FedLoan for the last 5 months. She informed me that at the end of the year, when I show verification of employment, the number of payments with FedLoan will update and that the verification of payments with XXXX could take until XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX as my loan payments with XXXX ( 49 ) and my loan payments with FedLoan ( 11 at this point ), are not recorded on my account. XXXX informed me that verification from XXXX is being " reviewed '' and he doesn't know how long it will take as they are questioning my payments. He said that technically I have until XXXX ... I do not know why FedLoan has given me four different answers regarding five years of qualifying loan payments being credited to my account. I would like those payments to be updated on my account with FedLoan. I am concerned that the longer it takes them, the chance of proving the payments qualified, becomes more and more difficult. I am also very confused why it is taking them so long to verify something that took me one minute to see on my XXXX account. It seems FedLoan can do whatever they want when it comes to verification of my loan payments and I would love some help in accountability with their systems of transferring loans to them and verification of qualifying payments. As of XX/XX/XXXX I should have 61 qualifying payments toward my PSLF.
Company Response: Closed with explanation

Timely Response

2019-06-28

Canyon City, OR

Credit monitoring or identity theft protection services

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

Billing dispute for services
Company Response: Closed with explanation

Timely Response

2019-06-27

Del Valle Finance, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-06-27

Manhattan, 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

2019-06-27

Bronx, NY

False statements or representation

Debt collection: Federal student loan debt

Attempted to collect wrong amount
Complaint: To Whom It May Concern : XX/XX/XXXX I am writing this complaint in hopes that someone from your agency can intercede on my behalf with an ongoing problem with a debt collection agency. American Education Services is the company that bought my defaulted student loan on XX/XX/XXXX & have for almost a year been trying to collect on an alleged debt, even though I do not have a loan with them & they do not have accurate information on the alleged debt. The 1st repayment statement American Education Services sent on XX/XX/XXXX has an Estimated Unpaid Principle Balance of {$13000.00}, which means the balance isnt accurate. I have written to American Education Services twice, on XX/XX/XXXX and XX/XX/XXXX to validate the alleged debt, but to no avail. On XXXX XXXX, American Education Services sent back documents ( Financial Activity Summary ) that does not have the correct account number nor the correct outstanding balance & are missing 13 years of payment history because it states the loan was disbursed in XXXX. They have been violating FDCPA which was created to alleviate abusive, deceptive & unfair debt collection practices. They even sent a bill dated on XXXX day. Instead of sending account level documentation on the alleged debt, they sent a form on XXXX XXXX XXXX requesting I furnish them with my information which violates FDCPA 1692e ( 10 ). False representation of the character or amount of any debt is a violation of FDCPA 1692e ( 2a ). They do not have account level documentation & they are reporting incorrect information to the major credit reporting agencies. American Education Services sends me letters/billing statements twice a month, & the payment summaries include a current balance of {$13000.00} thats never updated to reflect the present balance of the alleged debt. The current balance is always the same amount of {$13000.00} on all of the billing statements. The billing summary is confusing, misleading & deceptive. They are also charging late fees & interest on the alleged debt that has the incorrect amount which violates FDCPA 1692f ( 1 ). American Education Services sent a letter on XXXX XXXX that states : Efforts will be taken to recover this debt & also states that each consumer reporting agency & your grantor have been notified of your late or missed payments. The letter goes on to state they will forward the loan & that the new owner can garnish my wages, offset tax refunds or assign it to the government for litigation. This is a clear violation of the FDCPA 1692e ( 4 ) and 1692e ( 5 ), threatening to take action when no action will be taken. In addition to having incorrect accounting records, American Education Services has been reporting this information to XXXX, XXXX & XXXX. American Education Services started reporting on my credit report in XX/XX/XXXX, before they bought the defaulted debt on XX/XX/XXXX. I found these tradelines on my credit report in XXXX of XXXX. I have disputed this tradeline on all of my credit reports as it is incorrect. However, American Education Services always reports to the Credit Reporting Agencys that the tradeline is correct. This violates FDCPA 1692e ( 10 ) as a use of false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. I have contacted the Credit Reporting Agencys numerous times to ask for the details of the investigation as it was not done thoroughly or correctly. Due to American Education Services incorrect accounting records that was furnished by American Education Services to the Credit Reporting Agencys, my credit score has dropped severely since XX/XX/XXXX from XXXX to XXXX as of today. What makes things worse is I am applying for a new apartment, & my credit score will get me denied. I have been trying to correct this matter with both American Education Services & the Credit Reporting Agencys and have become so stressed out due to the misinformation on my credit report. I have spent so much time, effort & money writing certified letters to dispute the incorrect information on my credit reports & am becoming emotionally despondent from the burdensome task. A poor credit score may deny me a better place to live, defame my character & severely limit employment opportunities. I have been losing sleep & my appetite has suffered due to the XXXX & XXXX because of this issue. American Education Services continues to take deceptive efforts to collect on this alleged debt by continuing to report incorrect information to the Credit Reporting Agencys which violates the FCRA. After almost a year of trying to resolve the matter, I am at my wits end. I have enclosed documents for your reviewI Thank you greatly for your time, energy & assistance.
Company Response: Closed with explanation

Timely Response

2019-06-27

Milwaukee, WI

False statements or representation

Debt collection: Federal student loan debt

Impersonated attorney, law enforcement, or government official
Complaint: I ctc what I thought was Fedloan servicing it was in fact Fedloan service. I was asked immediately for my ss id and bday, I provided this and was given false hope about XXXX payments, info about my payment history. When I became suspicious I confirmed with Fedloan servicing that this 3rd party was NOT them. I called back asking for any identifying info, to protect my info and be sure that whom I provided my personal and sensitive info to would not misuse it, to which he eventually hung up on me by transferring me for asking too many questions and gave me no info to help. He mentioned cutting corners, and doing things he should not be doing to assist me. he used my XXXX XXXX situation and single motherhood to endear me. XXXX XXXX : manager : saying this is a over flow line : Contracted dpt : Direct line : 3RD PARTY : SCAM = UNDER WRITERS : Fedloan service *** XXXX 3rd party : contracted XXXX XXXX XXXX Business ID : XXXX PA XXXX REPORT District attorney : Here are my notes Scam? XXXX XXXX XXXX act : Dont qualify for public service Do an assessment off the record to see if this is worth pursuing 180 page app : Pay off loan : 2 payments of 199 Then new payment ( under XXXX ) XXXX= 6 XXXX 12 180 months forg. act forgive what I cant pay Algorithm XXXX Up by XXXX for every easement XXXX : XXXX XXXX XXXX manager : saying this is a over flow line : Contracted dpt : Direct line : 3RD PARTY : SCAM = UNDER WRITERS : Fedloan service XXXX XXXX 3rd party : contracted XXXX XXXX XXXX Business ID : XXXX PA
Company Response: Closed with explanation

Timely Response

2019-06-27

City Industry, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-06-26

Albuquerque, NM

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: XX/XX/XXXX : Approved for In-School Deferment from XXXX XX/XX/XXXX : Received correspondence that a payment in the amount of {$230.00} due on XX/XX/XXXX XX/XX/XXXX : Called and spoke with a representative about this error, notified that nothing has changed with my enrollment status at the University of XXXX XXXX ( XXXX XXXX for summer semester ). Put account under review, was told not to take any action and that no new paperwork needed to be submitted. XX/XX/XXXX : Re-uploaded copies of emails, enrollment status from XXXX, and emailed asking for written confirmation that my account was under review and that no action was necessary on my part, and that I would not be penalized as the borrower - ex : accrued interest, negative impact on credit, eligibility for PSLF Program, eligibility for future in-school deferment, etc. XX/XX/XXXX : Called and spoke with another representative who stated that my account was put under review again and would put my account on a 60 day deferment based on this issue and the time it was taking to be resolved. I would see a change in my log-in notifying me of this on the FedLoan webpage in 5-10 business days. XX/XX/XXXX : Fedloan Servicing responds to email sent on XX/XX/XXXX, stating that their " records indicate that I was in contact with their office on XX/XX/XXXX and received assistance regarding the inquiry of your email. '' XX/XX/XXXX : Email from FedLoan Servicing reminding me that my student loan payment was due, in the amount of {$230.00}, on XX/XX/XXXX. XX/XX/XXXX : Log in to FedLoan Servicing account to see that new balance owed has shot up to {$460.00}. Emailed FedLoan Servicing with another request for written confirmation that my account was under review, and would not face any penalties as the borrower due to an error on the part of FedLoan Servicing. Inquired as to why amount owed has shot up to {$460.00}, when this account is supposedly frozen and under review. All statuses on existing loans on this account read " DELINQUENT ''. XX/XX/XXXX : Filing a complaint with CFPB.
Company Response: Closed with explanation

Timely Response

2019-06-26

Brooklyn, NY

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Complaint: I have four private student loans in total that were handled by AES and owned by NCT. Two of the four loans have been given to XXXX from AES. The AES Account Number for my loans is Account # XXXX. The XXXX Account Number fir my loans is Account # XXXX. I have requested multiple times from both loan services for my terms and agreement paperwork and ownership documents that NCT owns my loans. The fact that I am asking for help with repayment and to see my terms and my services won't provide me any paper is concerning as I do not believe the amounts I owe are the true amount. Can you please get my terms and agreement paperwork and ownership documents from NCT so I can have the binding documents that my loan is in fact still intact.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-26

Randolph, MA

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