AES-PHEAA

2019-06-11

Slidell, LA

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

2019-06-10

Kissimmee, FL

Incorrect information on your report

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

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

Timely Response

2019-06-10

Jacksonville, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I attended XXXX XXXX Online College ( XXXX ) from XX/XX/XXXX-XX/XX/XXXX. Upon enrolling, I was told by my financial advisor that the school was 100 % accredited only to find out 5 years later it wasn't. A few months before graduating, I received a letter stating the school was closing. I tried to enroll into another school to further my education, but was informed the majority of my credits would not be accepted. I have acquired nearly {$30000.00} in student loan debt and I cant further my education because the school was not fully accredited. I have not been able to obtain a job in the field I studied nor have I been able to afford {$300.00} per month for repayment. My student loans have had a tremendous negative impact on my life giving that I was promised job placement and it never occured. I would gladly appreciate any information that you can give me on if I am eligible for a student discharge. I look forward to hearing from you soon.
Company Response: Closed with explanation

Timely Response

2019-06-09

Saint Paul, MN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: On XX/XX/XXXX, my application for Income Based Repayment of my loans and the associated documentation regarding my income was approved. I did this early to ensure that there were no issues as I am working towards Public Service Loan Forgiveness. I have been on repayment plans in the past, have always had my documentation in early, and have always made my payments on time or early. On XX/XX/XXXX, I made my first payment on my IBR plan of {$260.00}. XXXX. Then, one month later, my account balance was suddenly {$760.00}. XXXX. I emailed them on roughly XX/XX/XXXX, two weeks prior to the due date asking what was going on. I waited two weeks and never received a response. When I called them roughly around XX/XX/XXXX to clarify, they told me that I had a second IBR application for my graduate loans that needed income verification. Despite having income verification already on record, I immediately submitted additional income verification and asked for them to process it on the phone. They refused, claiming that I had to wait 20 days for it to be processed. After sitting on the phone for an hour waiting to speak to a supervisor, I had to leave. I was informed I could not leave the supervisor a message and would not receive a call back from a supervisor because my situation " wasn't serious enough. '' At no point prior to this was it made clear to me that there were two separate IBR applications going. I was approved on XX/XX/XXXX for IBR payments and my understanding was that I was completely finished with the process. It does not make sense that I would only want IBR for my undergraduate loans, which are half the cost of the graduate loans. I never filed two separate applications so I do not understand how my one application and proof of income that should have covered all of my loans was split into two separate applications or why I had to submit an additional proof of income to get the second processed when one was already on file with them. During this call, I explained that I could not afford that payment and was angry that this was even the situation. The customer service representative suggested a forbearance until the application was processed. I was not happy that this would be on my credit when I had done my part in supplying the application for IBR and the related income verification back in XXXX. However, I saw no choice and did the forbearance. My understanding of forbearance was that it was the same as a deferment and my income would be verified and I could resume making IBR payments with the {$500.00} removed from my account. I even made the {$260.00} payment for my already established IBR application so that I would not have to miss a month towards PSLF. On XX/XX/XXXX, I received verification that I was now on an income-based repayment plan of {$280.00}. I saw that the {$500.00} was still on my account and assumed they were in the process of removing it. When I went to make my payment, I was told that if it went on the {$500.00}, I would have to pay the full {$500.00}. My understanding was that as part of forbearance, I would be required to pay the full amount if I paid any amount on the forbearance. It was at no point clearly explained to me what forbearance meant or that I was still responsible for this {$500.00}. I even called back because I could not cancel the payment as it already went through and I requested that they put that payment on the next IBR payment instead as that was the amount I paid. My understanding upon talking to them was I was still under forbearance for the month of XXXX so I asked them to apply the payment to the month of XXXX. The woman I spoke to told me she would do this, but she did not do this. So, with the understanding that my payment for XXXX was under forbearance and my payment for XXXX was covered, I did not make an additional payment in XXXX. Then I received a phone call stating on Friday, XX/XX/XXXX that I had a message on my account and when I checked this my account says I owe {$780.00} and am 47 days behind on a payment and threatened me with collections. I immediately paid the {$500.00} that was supposed to go to car repairs to avoid having my credit destroyed and am now reporting this to you. I do not understand why this has happened. I applied for IBR back in XXXX and provided income documentation that should have been good for a full year. At no point in all the times I have spoken to FedLoan Servicing and reached out to their staff was anything explained to me in detail. Now my account is a mess, my credit is damaged, and I have made a total of {$1300.00} worth of payments -- none of which I can apply to PSLF. I now have to start my PSLF process from scratch and will be required to make an additional 4 months worth of payments in my life time which will add up to far more that {$1300.00} when all is said and done.
Company Response: Closed with explanation

Timely Response

2019-06-09

Corvallis, OR

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-06-09

Bozeman, MT

Incorrect information on your report

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

Account information incorrect
Complaint: The short version of the story is Fedloan Servicing is reporting my debt in a manner that negatively affects my credit score despite the fact that I have made my payments on time every month. It was never disclosed to me that my repayment plan was not sufficient to keep my credit in excellent standing. It was never disclosed to me that my student loans could negatively impact my credit report. The longer version of the story is as follows : In XXXX I was assigned FedLoan Servicing as my loan servicing company upon graduation from XXXX XXXX at XXXX XXXX University. At the time I graduated I had a combined balance of roughly {$110000.00} with about 20 different subsidized and unsubsidized loans. I decided that consolidation and income based repayment would be a good option for me, so I consolidated my loans with a 5 % interest rate with a 20-25 year forgiveness plan. The payment plan worked well for me. My payments were roughly {$100.00} a month and I have made the payments on time every month. Fast forward 3 1/2 years after graduation and I have saved up enough money to put a down payment on a home! Between XX/XX/XXXX and XX/XX/XXXX my boyfriend and I met with XXXX XXXX XXXX in XXXX Montana. We had our credit reports pulled to find that my student loans were negatively impacting my credit report. Fedloan servicing was reporting the loan amount of {$110000.00} with a balance of {$120000.00}. I was never informed that should my balance grow beyond what was consolidated that it would report negatively. Together with the help of our Loan Officer this XX/XX/XXXX, we called Fed Loan Servicing to inform them of the reporting error. Fed Loan servicing informed us that they had only started reporting their loans this way in XXXX of XXXX. When we asked why and if we could have it reported correctly we were put on hold for 30 minutes. This tested our patience and we eventually hung up the phone.
Company Response: Closed with explanation

Timely Response

2019-06-09

Oxford, GA

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: Fedloan Servicing is reporting 90+ days outstanding of 4 student loans. This is inaccurate for the reasons summarized below : 1. I paid my account as required by the agreement with Fedloan 2. Fedloan is inaccurately reporting my student loan dept as a credit card debt! 4 Fedloan switch their invoicing method to paperless with notifying me 5. I did not authorize Fedloan to switch my billing to paperless 6. I was not notified by Fedloan that my payment was past due 7. I appemtepted to make payments via their website as directed by Fedloan 8. My ( multiple ) online payments, via their website did not post to my account 9. My personal information had multiple inaccuracies ( email, address, name, etc 10. Fedloan is still reporting account that were paid in full as open 11. Fedloan is reporting late payment on closed accounts - w 12. I open three ( 3 ) diedsputes with Fedloan spanning 6 months and my credit report 13, In each case they took more than 30 days & NEVER provided notification of result They have ruined my credit with INACCURATE reporting and flaunting Federal Law! HELP!!
Company Response: Closed with explanation

Timely Response

2019-06-09

Spring Hill, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Fed Loan Servicing services When I started services with Fed Loan services, I was under the impression that I was making payments towards the student loan forgiveness program. In order to qualify for this program, I was supposed to work in a health administration office for several years and that qualified me because at the time, I was working for XXXX XXXX XXXX. I was re-certifying with Fed loan services and making payments as scheduled, but noticed that balance was never going down. I called Fed loan services, in XXXX and was told by a representative that I was not in the forgiveness program, but that I was in the re-payment plan.. I explained that when I first started with fed Loan services, that I was supposed to be under the forgiveness plan and that by this time, my loans should be forgiven.. Representative stated, ( XXXX ) stated that he would send me the application needed for me to fill out and send back to them to be on that program. He also stated that all my years of working in the health care industry would be taken into consideration. I filled out the application and advised on the application that the company, I previously worked for is closed but that I have all my income tax paperwork if needed. I also submitted information to the phone number and address to the corporate office to where I worked. Submitted all the information and waited -- Supposedly in 7-10 business days, I would get a response. Days passed, I called Fed-loan and representative explained that it was still in process.. Representative also stated that reason it was taking so long is because they did not have information for my previous employer.. I explained once again that i submitted all I had and also contact information., I was then told that my paperwork was still under review and that I needed to wait. I have called several times, and have been told that my paperwork is in compliance and that I must wait for an answer.. Then I have been told by supervisors that I should be receiving an answer within a couple of weeks.. I come to you because I applied for this in XXXX of 2019, and we are now in the month of XXXX and I have yet to receive an answer in regards to my application for the student forgiveness program from Fed Loan, This is horrible.. My student Loan should had been forgiven months ago, but yet as I can see, I am under the re-payment plan and still my balance has not gone down, but as a matter of fact increased due to interest.. I am in need of assistance.. I am in need of help.. I have yet to hear from anyone in Fed Loan. My name is XXXX XXXX XXXX My phone number is XXXX Please help me, Thank you Kindly, XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-06-08

Neotsu, OR

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: This is my most recent communication with FedLoans. It summarizes the most pertinent issues. Hello. This will be the third time I've emailed about the same issue. I have not received a response in writing, and I have made two phone calls about this issue. I'm including the original message I sent and the dates of the phone calls. I am HIGHLY unsatisfied with the level of service I am receiving from FedLoans as a student loan servicer. The representatives are unable to complete the plans we agree to on the phone. I will be looking into making formal complaints about your services and adequacy in overseeing loan repayment. If you are interested in addressing this grievance, please contact me. Hello, It looks like your records show I am late in making my XXXX payment. I received my first statement from you in the mail today, dated the XXXX of XXXX. My bill is due on the XXXX of each month, and my payment to XXXX has already processed. I am not late in my payment, nor could I have known where to send payment prior to your notification. I have documentation showing that my statement from XXXX called for a payment on my loan by the XXXX of XXXX and that the payment has been made. Please let me know if you need copies of these documents to correct the error on my account. I will not accept " late '' status on my account, as I am current on my monthly payments. It also sounds like your records show I have not completed or been approved for the Income Driven Repayment plan in 2019. I re-applied for the Income Driven Repayment Plan in XXXX of this year, and received approval for the Income Based Repayment Plan in my XXXX inbox dated XX/XX/XXXX. I'd be happy to supply the documentation that shows my renewal has been approved for 2019, please let me know if you need this documentation as well. I will not accept the " adjusted '' amount listed on my statement for the next billing cycle ( XXXX 2019 ), as it does not reflect that my loans have been recalculated under the Income Based Repayment Plan. I spoke with a representative on the phone earlier today, and was unable to clear up these errors on my account. I'm hopeful that this email will support action on my account. I expect these oversights to be righted before my next payment comes due. Please let me know if you need any additional information or documentation to support this correction. Thank you. Original email sent via secure email on MyFedLoans.org on XX/XX/XXXX. No response. Second email sent via secure email on MyFedLoans.org on XX/XX/XXXX. Called and discussed the documents Ive sent. Made arrangements for administrative forbearance while my account is righted onXX/XX/19. PRIOR TO THE XXXX DUE DATE. Called to clear up why my account had not been placed in administrative forbearance and was assured it would happen within the next 24-48 hours on XX/XX/XXXX. None of the issues listed have been addressed. Sent third email via secure email detailing issues thus far on XX/XX/XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-08

Church Point, LA

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 explanation

Timely Response

2019-06-08

CO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I am currently enrolled in the PSLF program and have made a number of payments. TWO YEARS AGO I asked for an accounting of all my qualifying payments ( because I think their counting might be wrong ). I have never received such an accounting ... I have repeatedly asked for a payment by payment accounting in order to ensure all are counting towards my 120 payments. However, I still havent heard anything. Each time I call, they promise that it should be coming soon, but nothing ... also, I may qualify for the expanded PSLF, but I cant apply until I know for sure. They are purposely not responding to me. Frankly, I think the government should go with another loan servicer. I have not been impressed with myfedloans.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-08

San Francisco, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I logged into FedLoan online several weeks ago and noticed my account was marked in a paid ahead state. I have never paid ahead as I always use direct debit. There have been several errors with my loans over the last two years requiring administrative forbearance holds to be placed on my loans in order for FedLoan to fix their errors. These pauses in payment were placed by the company and not requested by me. When they paused my plan, they did not direct debit from my account in summer of XXXX. I later was instructed to make that payment in XXXX and that was to be retroactively applied to the payment they did not debit ( their error ). I have received PSLF detailed payment trackers that show that payment was successfully retroactively applied to the payment they incorrectly paused. I suspect that payment triggered a paid ahead status on my account in fallXX/XX/XXXX. I did not see it noted as paid ahead until XX/XX/XXXX. I called FedLoan in XX/XX/XXXX and asked for that to be removed. They stated they could remove it going forward but that they didnt need to remove it retroactively. I am aware of people being denied PSLF for being in paid ahead status. I emailed my assigned customer service contact XXXX XXXX who has dealt with the other errors made by FedLoan on my account. I have not heard back. I would like to see written documentation from FedLoan that the paid ahead status has been retroactively removed from the duration of my account and that my account will no longer be placed in paid ahead status. I will be ccing my Congresswoman XXXX XXXX office on this matter as they have been involved in conversations with Department of Education on my behalf in the past to correct FedLoan errors.
Company Response: Closed with explanation

Timely Response

2019-06-08

TX

Incorrect information on your report

Student loan: Federal student loan servicing

Information is missing that should be on the report
Complaint: I checked my credit report and noticed that my student loan carrier ( U.S. Dept of Education ) has not reported my payments since XX/XX/2019. This is something that happens regularly where they take months to report information to the credit bureaus. This causes me to lose points on my credit score because it looks like I am not paying monthly and on time. I also want to complaint about the USDE reporting the interest on my loan, my loan increasing every month because none of my payments are going towards my principle balance, and the USDE not reporting that I'm in a loan forgiveness program and the date I'm expected to completed ( rather than reporting what looks like I'm not in a Forgiveness program and have 25 years to go ). All of this that the USDE and every other student loan carrier is doing to our credit is ruining us. Not only are burdened and consumed with student loan debt, our livelihoods are being negatively affected by it, which causes entities like home loan providers to shy away from us. I work hard at building my credit score only to have the USDE take three points away every month because my loan amount keeps increasing and increasing significantly although I pay faithfully each month. This is wrong and policy, legislation, and procedures need to change. It's like we're being punished for getting student loans and it's going to last the rest of my life. Please guide me on what I can do. Who can I write or petition? What departments or offices can I write and call to change these policies and procedures so that I can enjoy SOME of my life. Because right now I feel like I went to college to get in debt and now spending the rest of my life paying for college. And because of this, I am completely against student loans and make sure I tell every High School student my story to scare them away from them. My loan is increasing {$65.00} each month in interest and it gets reported to the credit bureaus. I started out with a $ XXXX loan amount and now it is up to $ XXXX. How is this when I pay faithfully every month since graduation eight years ago? Why are they doing this to us? They're already XXXX XXXX XXXX' us with student loans. Now they're adding insult to injury and making sure we will never own homes, take vacations, and get credit cards and finance autos and personal loans at decent limits and rates. I regret the day I ever went to college. I grew up in low-income housing with a single parent and NO money for college. But all I'm doing is lining the pockets of Big Government. I feel like I'm still in low-income housing and being controlled by the government. This is nothing but a trap towards the poor and minorities to keep us from advancing from generation to generation. I have roughly seven years to pay my loan off under the Loan Forgiveness Program and Income Driven program. But according to my credit report, I have 25 more years to go. XXXX! And the payments increase as my income increase, which is why I don't look forward to raises or promotions. I'll be XXXX years old if I had to go the route of 25 years. What was I thinking to ever get involved with the government and believe the financial aide offices who convinced me that I was making an investment. My siblings didn't go to college. They just worked hard and made their way to the top. Some even make more money than I do and they don't have any student loan debt. Because of that, they have better credit scores, homes, and look like a low-risk to every credit-giving agency in the world. And those who don't make more than me and still rich because they don't owe any student loans and are able to enjoy the fruits of their labor, ( not having to work overtime and second jobs like I do ). They're married as well. But I'm afraid to marry because when I do, my loan repayment amount will increase. Yes, more punishment for wanting something more than the welfare, low-income housing, poverty, crime-ridden, and roach-infested environment I grew up in. XXXX only knew that I would end up right back where I started because of student loan debt and the practices of credit reporting by the loan carriers and government legislation and policy. We should be ashamed of ourselves as a country.
Company Response: Closed with explanation

Timely Response

2019-06-07

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-06-07

LA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I am a government employee with federal student loans, and I have been making qualifying payments for 9+ years, with the intent of applying for loan forgiveness. In XXXX and XX/XX/XXXX, I received conflicting letters from FedLoan Servicing with two different numbers of remaining payments until eligibility for forgiveness. In XX/XX/XXXX, when I called FedLoan Servicing, the representative could not explain the difference to me, and told me I could request a manual accounting of all of my payments to tell me which ones qualified and why. I requested this accounting. The representative told me such an accounting would be sent to me by mail and would take six months. I did not hear anything further until I received another erroneous letter on XX/XX/XXXX, which included an even HIGHER number of remaining payments, even though I had been making monthly qualifying payments for a year since the last letter. I first logged into my account to find the letters from XX/XX/XXXX/XX/XX/XXXX. I had signed up for e-communication. The letters were not in my inbox, and there was no communication older than a year. I called FedLoan Servicing, and they told me that the mailbox only went back a year, and they could not find and send me communication older than a year. I explained that it defeated the purpose of paperwork reduction if I also had to print those letters for my records, and I explained that I needed the letters from XX/XX/XXXX/XX/XX/XXXX. They said they could not get them for me. I reread the " GO PAPERLESS '' disclosure ( attached ) and see that in the fine print, " Most Communications provided to you pursuant to this E-Correspondence Agreement will remain available for retrievable for at least [ 180 days ]. " However, it also includes a provision that permits a request for a paper copy of an electronic communication, and it does not state a timeframe for the request or when the paper copy would become unavailable. They are clearly taking advantage of borrowers desire to have an organized electronic mailbox of their communications in order to dispose of misleading/incorrect communications that would put them on the hook. I also explained to the representative that the XX/XX/XXXX letter was clearly erroneous as it the amount of payments had increased. The rep acknowledged these erroneous letters were sent to borrowers and said there was some new computer system that didn't count certain payments and should be updated soon. I expressed my frustration that blatantly incorrect financial information be sent to borrowers over and over again without explanation or correction. I inquired about the status of my accounting requested in XX/XX/XXXX. The rep said the request was noted in my file, but it had not yet been started. I told him the previous rep had told me it would take 6 months ( fromXX/XX/XXXX) and it had now been a year. He said my file was large, it would take a rep an entire 4 hour half day to do my accounting, and it would probably be done by the end of the year (XX/XX/XXXX ). I expressed frustration that this was 20 months after my initial request, and I continued to get erroneous communication regarding how many payments I had remaining. I requested that he assure me, as I have on every phone call I have ever had with a loan servicer, that my current payment plan and automatic monthly payments are qualifying payments for loan forgiveness. He assured me I was on track making qualifying payments.
Company Response: Closed with explanation

Timely Response

2019-06-07

Bloomington, MN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Back in XX/XX/2019, I called to see what was the best way for me to handle my loans and apply for the loan forgiveness program, the representative told me that I had to consolidate the loans first and then apply for the loan forgiveness, I followed the instructions and consolidated but before doing so I made sure this was what I should do by asking them that I needed to consolidate then apply for the loan forgiveness and I was told yes. To come find out months later that was the wrong information and that now I have to start over with making payments for 10yrs before loans could be forgiven, I find that this is unfair and I already had payments that would have been counted towards the program had I been given the correct information and not had did the consolidation that I was told to do. This over XXXX XXXX dollars minus 1 loan I knew did not qualify but the rest did, I feel as if I was not taken care of as a customer and that I was lead down the wrong path by a person I thought was well knowledgeable in what they were instructing and telling me to do.
Company Response: Closed with explanation

Timely Response

2019-06-07

Arsenal, PA

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
Company Response: Closed with explanation

Timely Response

2019-06-07

Empire State, NY

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

2019-06-06

Surprise, AZ

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
Company Response: Closed with explanation

Timely Response

2019-06-06

Spring Hill, TN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with non-monetary relief

Timely Response

2019-06-06

WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have been trying for about a year to get credit for the last 5 years of payments toward Public loan forgiveness program. i have been a XXXX at a XXXX high school for the last XXXX years. The prior service providers have also had a hand in denying my right to use the Public Forgiveness Program. It started with lies from XXXX XXXX that I did not qualify and could not qualify for the forgiveness program. XXXX XXXX was the next great hurdle ; as they refused to speak to me about the forgiveness program. I was forced to hire a company for {$600.00} dollars to get the paperwork to move into the forgiveness program. It was amazing how XXXX XXXX drug their feet and stop speaking to me and my wife after hiring this company. Even after complaining to the Attorney general for the State of XXXX I have only been given credit for 2o months. I am willing to provide the full email train of emails with the XXXX Attorney General 's office, if you want the emails. i have several documents that i intend to attach to this complaint. i have not asked for any deferments during the last XXXX years - I have made a payment each and every month as shown by FedLoan 's own records. I have presented Fed Loan with Public Service Forgiveness Employment Certification for all employers from XXXX to XXXXt. They have my SSN on them so i do not wish to present them as attachments to this complaint at this time
Company Response: Closed with explanation

Timely Response

2019-06-06

Indianapolis, IN

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-06-06

IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I contacted Fedloan Servicing after noticing that according to my statements, none of my payments have been credited towards the PSLF program. This has been going for about the past 6 months or so. Fedloan Servicing says they have applied payments, despite there being record of doing so. Also, about three weeks ago I faxed in my PSLF form to renew/verify my employment status does qualify under the PSLF program. However FedLoan Service recently sent me a message that stated my Employment is Not Certified for PSLF. I've tried logging into my account, however I keep getting an error message that I've been logged out of my account. I've tried resetting the username and password, but I continue to get the same error message.
Company Response: Closed with explanation

Timely Response

2019-06-06

Grover Beach, CA

Incorrect information on your report

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

Account information incorrect
Complaint: Once I went to Fedloan Servicing a year or two ago, my credit score has declined significantly ( even though I make my payments ) every month because they continue to add thousands of dollars to my loan. I am never in default. My loan amount used to be less than 70K and now it's over 100K. How did this happen within the short amount of time I have been with FedLoan Servicing?! Additionally, the qualifying payments are incorrect. I have been paying my loan since XXXX through a qualifying employer - through working a public service position with the County agency where I live. I have not went past the 14 day late payment issue and yet my qualifying payments as of XX/XX/XXXX is for 4 years ( 53 payments ). This can not be correct. I have paid every month for about 8 years. Calling customer service is always a dreaded experience. I get the run around, I get people who are incompetent, and I get incorrect information. They do not want to do any extra work to figure out this issue. I am now going to go back to my bank and have a report done to show all my payments paid and when they were paid so I can present this to Fedloan Servicing so they can correct this error. I don't even know if my bank will go back this far but the point is, I shouldn't have to. I would like documents of dates and payments to show me specifically how they are getting their numbers. Why are they adding thousands of dollars to my loan and why are my qualifying payments so low? My interest is 5.5 % - I can't imagine this would cause a XXXX increase in my loan. Ridiculous!
Company Response: Closed with explanation

Timely Response

2019-06-05

Seattle, WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have ask Fedloan Servicing on XX/XX/2019 via email to provide me with the estimated value of my loan in 25 years when it will be forgiven. No response see was provided until XX/XX/2019, which stated that it is impossible to calculate. I gave them an average payment I make per month and the interest rate and asked them to calculate that on XX/XX/2019. No response was given until XX/XX/2019 stated it was impossible to calculate. The problem that they refuse to acknowledge is that I have a right to know the approximate value of my loan at the end of the term. I owe {$180000.00} at this point. I have paid {$26000.00} in 6 years on the loans and only {$1000.00} has gone towards principal. I have no way of getting ahead on these loans without information. They refuse to provide that. It is criminal how little of my payments have been used to cover principal and I am also complaining about this. I have called in multiple times in the past to find out if there are better programs available to me and none are given. At this point, i can only guess that I will owe over {>= $1,000,000} at this rate putting me owing an amount of taxes I will never be able to afford. I need help to figure this out because I am in financial ruin over this and will most definitely be bankrupt at the end of the term and need to figure out my options. I can't do so without an somewhat accurate idea of what my financial situation will be which is based in this loan and some sort of payment plan that doesn't have me giving tens of thousands of dollars to a government agency via a ridiculous amount of interest they charge that can not even be applied to hiring staff educated enough to answer a simple question. I have paid {$26000.00} for 1 simple question to be answered and I would like a response. In XX/XX/2019 after complaining about this via the CFPB website, Fedloan Servicing sent a response telling me how much I would owe in 10 years with Public Service Loan Forgiveness. I DO NOT QUALIFY FOR THE PROGRAM THUS THE REASON I ASKED FOR THE TOTAL OWED AT 25 YEARS! PLEASE PROVIDE TOTAL AMOUNT OWED GIVEN MY CURRENT PAYMENT AT THE END OF A TWENTY FIVE YEAR TERM.
Company Response: Closed with explanation

Timely Response