AES-PHEAA

2019-06-26

Shalimar, FL

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

2019-06-26

Chicago, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Complaint: I have 2 issues that I have been trying to resolve. Issue # 1 : On XX/XX/XXXX, I faxed over my application for the Public Service Loan Forgiveness ( PSLF ) program. I also submitted a second application for PSLF on XX/XX/XXXX. The XXXX application was for my years of XXXX service in the USA starting XX/XX/XXXX and the XXXX application was for my years of XXXX service between XX/XX/XXXX to XX/XX/XXXX ( I left the USA to XXXX abroad for 3 years ). On XX/XX/XXXX I was notified via letter that my XXXX application was denied due to incomplete information. I refaxed again on XX/XX/XXXX to which they denied again on XX/XX/XXXX due to missing information. I faxed again on XX/XX/XXXX. I called on XX/XX/XXXX to inquire about the status of my application and the CSR told me that it was never received. She told me to take a photo of it and upload via website which I did that day. Finally, on XX/XX/XXXX I received notification that my PSLF application was received and processed ( original application sent XX/XX/XXXX )! I have called several times to inquire about the number of qualifying payments I have that count towards PSLF. Every time, I am told to call back because they have not been processed or calculated ( see attached phone records ). To resolve issue # 1, I want to know how many qualifying payments I have made towards PSLF. According to the notice I received on XX/XX/XXXX for my XXXX application, qualifying payments are calculated within a few weeks. However, it has been since the end of XXXX and noone can tell me how many qualifying payments I have made! Issue # 2 : On XX/XX/XXXX I sent my annual Income Driven Repayment ( IDR ) plan request. On XX/XX/XXXX I received notification that my payments would jump from {$0.00} to {$940.00}. I called and CSR told me to resubmit an application and check the box for " lowest monthly payment ''. I immediately did this and on XX/XX/XXXX, I received notification that my application was denied. I uploaded again on XX/XX/XXXX and it was denied due to insufficient documentation. I uploaded again on XX/XX/XXXX and was told that I would receive my updated payments by XX/XX/XXXX. After still not hearing anything, I called on XX/XX/XXXX to inquire about my 5th application for an updated IDR payment plan and was told that I need to make a {$5.00} payment to complete the application process- that is what was holding up my application. I explained I never received notification that I needed to do that! I made payment and was told to wait for my new payment amounts. To resolve issue # 2, I just need to know what my new payment amounts are!
Company Response: Closed with non-monetary relief

Timely Response

2019-06-25

Pardeesville, PA

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

2019-06-25

Rockwell, NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: MyFedLoan has been withdrawing automatic payments of {$410.00} in accordance with their direct debit procedures since XX/XX/2019 and they continue even when an account is paid ahead. Their website specifically states if you wish to have an additional amount paid on a specific loan, you must pay online, mail, fax, or email your request. I am in paid ahead status and based on my XXXX XXXX debt elimination strategy I have been logging in online to pay {$100.00} extra towards three specific loans. On XX/XX/2019 MyFedLoan applied my direct debit payment differently than specified on their agreement with me. I was logging in to make my additional payment and I noticed the discrepancy, so I called. MyFedLoan 's solution is to take my account out of paid ahead status. I am concerned that the incorrect application will continue as per their website, paid ahead should not be an issue. I feel that this is a way for MyFedLoan to get more interest from me and they are using deceptive lending practices. The payment of {$130.00} is to go towards my largest student loan with the highest interest rate, but instead it went towards a smaller loan. I want this published as any direct debit user who wants to eliminate debt quickly may find that their payments are not being applied in accordance with their agreement.
Company Response: Closed with explanation

Timely Response

2019-06-25

Shulerville, SC

False statements or representation

Debt collection: Federal student loan debt

Attempted to collect wrong amount
Complaint: I filed a complaint with FedLoan Servicing about the misreporting of my timely payment. I have asked them to update the information to current going as far back as 2015 when my loans was handled by the Dept of Education/XXXX and South Carolina XXXX XXXX. I'm not sure if when the loans was transferred there was an error but I would like for it to be fixed. I have reached out to the company on two separate occasions to no avail. She there response below.
Company Response: Closed with explanation

Timely Response

2019-06-25

East Rockaway, NY

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Complaint: I have two private loans with loan servicer, American Education Services. Their website is www.aessucces.org. My monthly payment is due on the XXXX of every month. Im currently past due {$460.00}. Right now, Im unemployed and there is no way that I can make these payments until I get a new job. I sent in a letter to be forwarded to the lender on XX/XX/2019, asking for additional forbearance or deferment since Ive apparently used up my other options according to AES. Ive called every day since Ive sent in the letter, but to no avail, its still under review. I dont see how reviewing a letter can take so much time. I want to resolve this issue as I have a co-signer on the loans and I dont want to impact them on the credit reports. However, Im stuck between a rock and a hard place because I have no way to pay back the loan currently. Please advise ASAP.
Company Response: Closed with explanation

Timely Response

2019-06-25

Jacksonville, FL

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I attempted to apply for a modification. I called on XX/XX/XXXX and requested the application. I was told I would receive it in the mail in approximately 10 business days, and that it may be available in my paperless inbox within 24 hours. I waited for the paper version and after 10 business days I had not received it ( however, I still received my bill just fine ). I could not log into my account, and to my knowledge I had never logged in. I called back on XX/XX/XXXX to see what had happened, and was informed that the application was never sent in the mail, as my account is paperless ( unless it's the monthly bill ). I was assisted with getting back into the account, and was able to fax the completed application the following day. I was told it could take up to 10 business days for them to process it, so I waited until today, XX/XX/XXXX, to call back. I was told that the application was denied because ( 1 ) it lacked a cosigners signature ( when it did not ) ; ( 2 ) that I did not include a payment statement for myself and my cosigners ( when the language on the application was vague and sounded as though it could be requested, but was not required ) ; and ( 3 ) that I had not submitted it within 30 days of requesting it. I expressed frustration that neither the representative nor the supervisor I spoke to on XX/XX/XXXX informed me of the 30 day window, which had already passed when I called. I requested a new application, and was told I would receive it in the mail within 10 business days. I expressed my concern with what happened previously, and the rep from the modification department told me that they ONLY send the application in the mail. I waited and called back approximately 20 minutes later to file a complaint on file, and was told by a different supervisor from the service department that the application would not be mailed and would only be available in the paperless inbox. I requested a stay on negative credit reporting, as there is a risk to that in 8 days, and it will likely take longer to get the application resubmitted and processed, but he told me that he can not do that and all I can do is either make the payment or dispute the negative reporting. There was seemingly no accountability between departments, and overall I have felt left by the wayside when it comes to helping me repay my loans. I understand that I need to pay them, but I can not afford the large payment, and they seemingly purposefully make it difficult to get the modification.
Company Response: Closed with explanation

Timely Response

2019-06-25

Liverpool, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Ihavebeenafederalemployeeforthelast12years,withthesameemployerwithbreaks.MyemployerqualifiesforPSLFprogramandhascertifiedmewithFEDLOANServicinginXX/XX/XXXXformyemploymentperiodXX/XX/XXXXtopresent.FEDLOANhassentmemultipleincorrectlettersstatingmyfederalemployerdoesntqualify,andaletterstatingtheydoqualifyforPSLF,butFEDLOANwillnotreportcorrecttimeframeorqualifyingpaymentsamount.Ihavemade121monthlypaymentssinceXX/XX/XXXXtopresentandhaveXXXXleftonmyStandardXXXXplan.FEDLOANisonlycounting1paymentthatqualifies.TEPSLFapplicationskeepsgettingrefusedbythembecausetheyfalselyreportIhaventworkedformyemployerUSOfficeofPersonnelManagementfor10yearsormade120payments.IgetanewdifferentandincorrectcalculationorresponseineachemailorletterIreceivefromthem.Withsomanyfraudulenterrorsbythem,itmustbeonpurposesothattheydontprocessmyloanforgivenessthatIamlegallyowedunderTEPSLFprogrampassedbycongress.Withcorrectcalculation,myloanshouldhavebeenforgiveninXX/XX/XXXX.IvetalkedwiththeirOmbudsman,butstillkeepgettingcalculationerrorsanddenials.Ihavenowoverpaidmyloans1payment,andexpectthemtofixtheirerrorandrefundmeanyoverage.IfforanyreasonIstillneedtomake1or2paymentstosatisfyTEPSLForPSLF,Iwilldoso,buttheyhavenotprovidedmeproofotherwisethatIhaveadditionalpaymentsowed.Theydonotworkwithme,thecustomer,andtheyaretheonlyservicerthatcanprovidemePSLF.Themovedmypaymentsoncetoabout{$1900.00}amonthonPSLFIncomebase,andIhadtoscrambletofixtheirerror.Theyhavethousandsofcomplaintsonlineagainstthem,theyshouldgettheircontractremovedandneverbeallowedtoservicePSLFagainduetopurposefullymismanagementofit,whichisfraudulentandillegal.CEOshouldbeprosecuted.
Company Response: Closed with explanation

Timely Response

2019-06-25

Washington, DC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-06-24

Casselberry, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-06-24

Atlanta, GA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-06-24

Denton, TX

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-06-24

Haskins, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Complaint: Today i received a phone call from someone who claimed to be a third party loan servicer for FedLoan. The name of their company was XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX. I was told to confirm my information and they had everything on me. My social security number, My date of birth, my phone number and address, my bank account number that i pay my loans through, everything. i felt like it was a scam so i hung up and called FedLoan to find out that they do not work with third party servicers and it was a scam. i want to protect my information, but i know they have it. i do not feel safe paying my student loans anymore and am very insecure about my personal information being stolen.
Company Response: Closed with explanation

Timely Response

2019-06-24

Chicago, IL

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Complaint: XXXX XXXX XXXX THE FIRM PREVIOUSLY known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For the past 6-9mos I have made numerous call and send email to to the student email and and phone number to However I have not gotten any response response XXXX nor have i gotten an confirmation email or phone confirmation when I send information I finally spoke some in loans servicing who was kind enough to give her email so we could correspondence.. I show that you were my Student Loan Lender and Servicer during the XXXX until 2003 when consolidation occurred. I would like to know the following : 1. The reason for the consolidation in 2003 as the consolidation was your suggestion. Its my understanding that XXXX XXXX is the lender of record and XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the Guarantor, Loan Servicing was transferred to XXXX XXXX XXXX ( XXXX ) in 2003, American Education Services ( AES ) is the current Loan Services. The 2003 Consolidated Promissory Note list Student loan Consolidation Center as the Guarantor /Lender and 3 different lenders as follows : a. XXXX @ {$41000.00} XXXX XXXX @ {$20000.00} - ( can you please tell me who the lender is as I dont recognize the name ) XXXX XXXX XXXX @ {$7800.00} Please note that I was instructed to list the above lenders and amounts by you and or the consolidator who received said information from you Im requesting to know how many loans are encompassed under each lender and the following information for each individual loan. 1 ) Original Lender 2 ) Type of Loan ( Private or other please indicate ) 3 ) Disbursement Date 4 ) Disbursement amt 5 ) Original Int Rate 6 ) Guarantor 7 ) Consolidating ( CNSLD ) Lender 8 ) CNSLD Date 9 ) Reason for CNSLD The information should be completed on the attached XXXX XXXX. Please be advised that AES and XXXX XXXX dont have any of the supporting loans documents or information supporting the 2003 consolidation numbers.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-24

Fort Worth, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: FedLoan Servicing refuses to accurately calculate the number of qualifying payments I have made toward Public Service Loan Forgiveness. I sent in my most recent Employment Certification Form on XX/XX/2019. Based on that ECF, I have made 80 qualifying payments. FedLoan says I have only made 79 qualifying payments. The discrepancy is because FedLoan automatically ( NOT at my request ) places me in forbearance every XXXX when it re-calculates my income-based repayments for the coming year. When in forbearance, any payment I made during that time is not counted toward PSLF. I have brought this to FedLoan 's attention repeatedly. This is an easy fix. Instead, FedLoan miscalculates ( intentionally, in my opinion ) the number of PSLF payments. The effect is delayed forgiveness. I can only assume that FedLoan is aware of this and it purposefully doing this to add to its books. It's time for Congress to step in and remove FedLoan from the handling of PSLF loan payments.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-23

Burbank, 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

Problem with personal statement of dispute
Complaint: i am responding to this on a different complaint again but same issue. From previously closed complain : Company 's Response American Education Services " The Office of Consumer Advocacy ( OCA ) at Pennsylvania Higher Education Assistance Agency ( PHEAA ) received your correspondence through the Consumer Financial Protection Bureau ( CFPB ) portal regarding your student loan which was previously serviced by American Education Services ( AES ). The OCA performed a review of your XXXX XXXX XXXX ( XXXX ) held by the National Collegiate Student Loan Trust ( NCT ). Specifically, we reviewed the loans financial activity and credit reporting. In your inquiry, you expressed concerns about the unfavorable credit reporting that occurred on the loan. Because the loan had been current prior to the cosigners bankruptcy filing, you requested for the charge-off to be removed from your credit report. As you may already know, the cosigner on the loan filed for bankruptcy on XX/XX/XXXX. As a result, the XXXX defaulted in accordance with the terms of the Credit Agreement. At the direction of NCT, the loan transferred from AES servicing system to NCTs collection manager, XXXX XXXX XXXX XXXX ( XXXX ), effective XX/XX/XXXX. This information was submitted to the consumer reporting agencies. AES received and investigated your credit reporting complaint. AES investigation included the review of all relevant account history and documentation, including any information you provided. Based on this review, AES determined the information reported is accurate. Therefore, no adjustments will be made to the credit report. No further action is planned by the Office of Consumer Advocacy at this time. If you require any information on the status of the loan after its default, please call the collection manager, XXXX, directly at XXXX ( telephone number ). For additional questions regarding your loan prior to its default, please feel free to contact AES directly at XXXX. Loan representatives are available Monday through Friday from 7:30 a.m. to 9:00 p.m., ET. '' Ill be short and to the point. This account is a charge off supposedly NCTXXXX owns it and XXXX is currently in possession of my account. Id like to be provied proof and documents that XXXX actually owns this debt and that i even owe them. Provide the transfer paperwork and verify this debt showing the transition from XXXX XXXX XXXXXXXX and when it was a XXXX loan back in XXXX. If this account cant be verified and proven that NCT legally owns this please remove and delete from all 3 credit bureaus. Its been over 4 years since it was charged off and there is no other collections or accounts after AES charged it off. I believe this is an unverified debt and is noncollectable. As you can see i was current since NCT/AES has advised to Default and practice unfair practices I will be expecting proof of ownership and legal right to collect and if this cant be resolved here i will resort to legal action.
Company Response: Closed with explanation

Timely Response

2019-06-23

Hartford, CT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Company Response: Closed with explanation

Timely Response

2019-06-23

Stilesville, IN

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

2019-06-23

TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: My student loans were consolidated in XX/XX/XXXX so that I would be on an Income Based Repayment Plan and have my loans forgiven after 120 payments. I began making payments to XXXX from XX/XX/XXXX to XX/XX/XXXX. My credit report does not show any payments from XX/XX/XXXX through XX/XX/XXXX. That is 34 payments that are missing from my grand total to receive debt forgiveness after 120 payments. That is also {$9200.00} not credited to my account plus any interest I may have accrued. I have my bank statements showing that I made all of these payments. Also, when I call FedLoan servicing they are saying that I was on the wrong Repayment plan to receive loan forgiveness in XXXX and XXXX. FedLoan is the company that serviced my loan in XXXX and helped me consolidate them so when they sent my loan to XXXX they should have told them I was on an IBR plan.
Company Response: Closed with explanation

Timely Response

2019-06-23

Finksburg, MD

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: The subject of this letter is problems I have been experiencing with taking out federal loans, and millions of others will be experiencing this too. I have about {$130000.00} of federal loans for studying at University XXXX XXXX at XXXX and XXXX University. The servicing is outsourced to a private company called FedLoan Servicing based out of Pennsylvania. Whenever I try to make payments beyond the minimum required, FedLoan servicing is placing me in Paid Ahead Statusthey are applying additional payments to my future interest owed, instead of the principal! Even when telling them that I do NOT want to be in Paid Ahead Status, they are not listening to my request. For example I requested an additional monthly payment of $ XXXX/month to go toward my principal, and instead they apply it toward future interestdespite my repeatedly asking them not to. FedLoan Servicing is making it difficult if not impossible for people to pay off student loans. On top of that, when you are in deferment, for example going back to get another degree, this deferment forces you to capitalize the interest payments on prior loans. That means my loan balances have actually increased over time, even during deferment. I am also requesting assistance with my particular situation, where my additional $ XXXX/month payments havent been applied toward my principal. Despite paying off student loans for the past few years, my total balance continues to increase! Specific action items : 1. I have asked by phone, and via email, to have my $ XXXX/month additional payment only be applied toward principal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have claimed to fix this, but never do! 2. Payment on XXXX- why was none of the {$470.00} applied toward principal? 3. On XX/XX/XXXX, there is an unexplained capitalization of {$5100.00}. There is barely any explanation of where this amount came from, and how they decided to add it to my total balance. Because of the insufficient explanation, I am requesting this amount be deducted. Also I was never notified of this capitalization at the time it happened. 4. On XX/XX/XXXX, another unexplained interest capitalization of {$2100.00}. There is no sufficient explanation and I was never notified at the time of this happening, so I am requesting this amount be deducted from my balance. - Sincerely, XXXX XXXX, XXXX
Company Response: Closed with explanation

Timely Response

2019-06-23

NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: After I noticed my student loan account was in Paid Ahead status, I submitted an online request to FedLoan Servicing ( PHEAA ) on XX/XX/XXXX to remove it from Paid Ahead status and explain why and when it had been put into Paid Ahead Status. All of the instructions I send with my loan payments explicitly say to not put my account into Paid Ahead status, as did my previous CFPB complaint in XX/XX/XXXX. My XX/XX/XXXX online request also asked FedLoan servicing to keep my monthly bill at the original amount it started at, instead of sending me bills with different payment amounts each month, which I hadn't asked for. Note that in my online request to them I had listed {$250.00} as the original monthly bill amount, but it looks like the original amount was actually {$260.00}. I received an acknowledgment that they had received my XX/XX/XXXX request onXX/XX/XXXX, but they never responded to my questions or fixed these problems after almost 3 months! In addition, FedLoan Servicing ( PHEAA ) isn't following the instructions I send with my payments. As only one example of many, my XX/XX/XXXXbill was for {$240.00} and I paid {$330.00} on XX/XX/XXXXand instructed them to apply the additional {$91.00} to the loan disbursed on XX/XX/XXXX. They did not follow these instructions and only applied {$35.00} to the principal of this loan. Who knows where the rest of this money went and why! I have attached the following documents : 1. XX/XX/XXXX payment instructions that includes direction not to pay my account ahead. 2. XXXX XXXX payment instructions 3. XX/XX/XXXX payment instructions 4. XX/XX/XXXX payment instructions 5. XX/XX/XXXX online request to remove Paid Ahead status and change my payment back to original amount 6. Confirmation that they received my XX/XX/XXXX request 7. Account Summary page from XX/XX/XXXX showing my account in Paid Ahead status 8. XX/XX/XXXX monthly bill showing current balance, interest, and payment allocation 9. XX/XX/XXXX monthly bill showing current balance, interest, and payment allocation 10. XXXX Payment distribution across loans showing only {$35.00} applied to principal of Disb. XX/XX/XXXX loan 11. Screenshot of Disb. XX/XX/XXXX loan showing only {$35.00} applied to principal from XXXX payment
Company Response: Closed with explanation

Timely Response

2019-06-23

Burbank, CA

Incorrect information on your report

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

Public record information inaccurate
Complaint: There are two concerns here. The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in FedLoan back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which fedloan was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. The other ISSUE is a bit tricky and complicated but at the heart of it beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on. Ive had issues re certifying because of the time it takes and see it isnt as simple as XXXX consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. even if you calculate that from month one of FedLoan taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.
Company Response: Closed with explanation

Timely Response

2019-06-23

Austin, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Complaint Summary : I have set up automatic payments with direct deposit with confirmation multiple times via portal and customer service. However, auto-payments haven't continued past 1 month each time, leaving interest compounding without my knowledge XX/XX/XXXX : Direct Deposit approved for automatic monthly {$100.00} deposit said to start XX/XX/XXXX XX/XX/XXXX : I noticed no money has been deposited since XXXX I am told by customer service that my account is fine and that adjusted automatic payments will work now ( XX/XX/XXXX : {$1000.00} paid to catch up {$640.00} goes towards interest ) XX/XX/XXXX : Direct Deposit approved for automatic monthly {$210.00} deposit said to start XX/XX/XXXX XX/XX/XXXX : Successful deposit of {$210.00} XX/XX/XXXX : I noticed no payments were made after XXXX ( XX/XX/XXXX - XX/XX/XXXX : {$1000.00} paid principal only dented by {$170.00} ) Loan Information : Total ( XXXX XXXX ) : {$27000.00} 3.88 % average interest IDR plan approved XX/XX/XXXX XX/XX/XXXX - Loan forbearance ends : + {$2600.00} capitalization XX/XX/XXXX - + {$120.00} capitalization
Company Response: Closed with explanation

Timely Response

2019-06-23

Silver Spring, MD

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I graduated from the XXXX XXXX in XXXX and am not currently enrolled in any higher education institution. I spoke to XXXX at the US Department of Education Federal Student Aid Information Center at approx. XXXX on XX/XX/XXXX. During that call, he told me that any payment made during repayment status with FedLoan could count towards PSLF, regardless of my NSLDS enrollment status. On XX/XX/XXXX, XXXX from Fedloan Servicing sent me an email appearing to contradict this by stating that any payment made during an in-school status would not count towards PSLF. Additionally, XXXX also stated that he did not believe form SDWFR-XBCR would not solve my issues. As a result of these two different answers, I do not understand whether my prior and future repayments can count under PSLF. If my status is still in-school, and my payments do not count towards PSLF, I don't also understand how I can even be in repayment status ( instead of in-school deferment ). I also feel powerless to correct this issue.
Company Response: Closed with explanation

Timely Response

2019-06-23

Sandy Hook, CT

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was paid
Complaint: I consolidated my qualifying student loans through the federal government in XXXX. I then enrolled in the Public Service Loan Forgiveness ( PSLF ) program in late spring/early summer of XXXX. In XXXX the loan servicer was changed to another company briefly. I then enrolled in the federal " payment tracker '' in XXXX for PSLF. At that time the servicer was then changed back to fedloans. This resulted in some payments not counting towards my total payment count. I have been working fulltime for a 501 ( c ) 3 status employer since XXXX. I submitted the requested " Employment Certification Form '' each year that I worked. The " payment tracker '' on the fedloans website payment " counts '' were off consistently for years and years. I would inquire on the phone about this and was told they would be updated. As I near the 120 payment mark where we can request " Loan Forgiveness '', I formally requested a review of my account in XXXX of XXXX so that the payments tracker would be correct. I was told at that time that a review would take 90 days. I called after a few months and was told it would take 6 months. I next called after 9 months and was told it would take a year. It has now been 1.5 years and my payments have not been counted and the tracker now says that I have made 6 qualifying payments. I should have 96 qualifying payments. The tracker should not continue to say 6 payments. It should show an accurate representation of my qualifying payments.
Company Response: Closed with explanation

Timely Response