AES-PHEAA

2019-05-25

Hon, HI

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

2019-05-25

Conch Key, FL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-05-24

Rochester, 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

2019-05-24

Eldersburg, MD

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

2019-05-24

Lexington, NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have contacted fedloan and notified them several times since XXXX that the public service loan forgiveness ( pslf ) date was incorrect and the number of payments credited were incorrect. Representatives continued to insist that my student loans were not in repayment status and were in school status and that was incorrect. I graduated early XX/XX/XXXX and my student loan status was changed in XX/XX/XXXX. I have received documentation from XXXX showing that my school status was updated on XX/XX/XXXX to reflect that I had graduated as of XX/XX/XXXX. Fedloan representatives lied to me numerous times stating my loans were not updated with the Department of education or XXXX to reflect me graduating. When in actuality the loans were updated and they had failed to properly process the request and obtain information from XXXX. I began working in XX/XX/XXXX. I immediately contact the Department of Education and notified them so that my student loan forgiveness would begin. However, the representatives refused to allow my account to enter repayment so that those months would count towards my forgiveness. I was eligible and met all requirements for qualifying payments from XXXX XXXX XX/XX/XXXX. I now have six extra months of payments because of this companys willful failure to process my pslf, deceptive and unfair practices. I contacted FedLoan again at the beginning on XXXX and informed them that my pslf was incorrect and the representative responded this is normal not to have it start on time and went on to blame the school and XXXX. This practice should not be normal, especially since the school and XXXX appropriately updated my loans and they were in the correct status to receive student loan forgiveness credit those months. I spoke with XXXX ( XXXX ) at Fedloan servicing on a recorded call at approximately XXXX XXXX. today and he conducted an audit of the account. He specifically said on our call that Fedloan failed to timely process my consolidation request and that you all made errors on my loan verification and missed a loan which delayed the processing on my student loan consolidation. He went on to state that your consolidation department confirmed the errors were made and that you all had issues with processing at the time. Since you all messed up the consolidation it has a domino effect on everything else because it could not be processed. This error was not on my part and without the mistakes of the employees at this company my request will have been timely processed and student loan forgiveness would have begun in XXXX. You need to review the student loan database and more specifically my calls in XX/XX/XXXX and the audit that was conducted today and complaint forwarded to your internal complaint department. If you all will not correct the payments I will contact my congressperson and obtain representation to litigate this error. This has caused additional months to be added on pslf and these payments will be at a higher amount then when I started this program. I will not bear the cost of your carelessness. If you all can not correct your wrong, I expect monetary compensation for the error.
Company Response: Closed with explanation

Timely Response

2019-05-24

Lexington, NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have contacted XXXX and notified them several times since XXXX that the public service loan forgiveness ( pslf ) date was incorrect and the number of payments credited were incorrect. Representatives continued to insist that my student loans were not in repayment status and were in school status and that was incorrect. I graduated early XX/XX/XXXX and my student loan status was changed in XX/XX/XXXX. I have received documentation from XXXX showing that my school status was updated on XX/XX/XXXX to reflect that I had graduated as of XX/XX/XXXX. XXXX representatives lied to me numerous times stating my loans were not updated with the Department of education or XXXX to reflect me graduating. When in actuality the loans were updated and they had failed to properly process the request and obtain information from XXXX. I began working in XX/XX/XXXX. I immediately contact the Department of Education and notified them so that my student loan forgiveness would begin. However, the representatives refused to allow my account to enter repayment so that those months would count towards my forgiveness. I was eligible and met all requirements for qualifying payments from XXXX XXXX XX/XX/XXXX. I now have six extra months of payments because of this companys willful failure to process my pslf, deceptive and unfair practices. I contacted XXXX again at the beginning on XXXX and informed them that my pslf was incorrect and the representative responded this is normal not to have it start on time and went on to blame the school and XXXX. This practice should not be normal, especially since the school and XXXX appropriately updated my loans and they were in the correct status to receive student loan forgiveness credit those months.
Company Response: Closed with explanation

Timely Response

2019-05-24

Silver Spring, MD

Incorrect information on your report

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

Account status incorrect
Complaint: I submitted a complaint about this company in XXXX. They resolved it, but now the same thing is happening again. This is the THIRD time FedLoan 's misreporting has resulted in adverse accounts on my credit reports and a massive drop of my credit score. Each time they claim they are doing nothing wrong, but clearly there's something wrong with my accounts in their system. I wonder whether they need to wipe my accounts and re-establish them. In any case, my husband and I are closing on our first home in a month, and FedLoan 's negligence is materially harming our chances of a smooth closing. In XX/XX/2018 I noticed that FedLoan had incorrectly reported multiple months of delinquent payments. I found this because my credit score suddenly took a massive hit, and credit reports confirmed it was incorrect reporting from FedLoan. I disputed it with FedLoan and with all three credit reporting bureaus. The bureaus all found in my favor and corrected my reports ; meanwhile, FedLoan agreed I had no delinquent payments. The same thing happened in XXXX. Now FedLoan is YET AGAIN incorrectly reporting delinquent payments. I called them, and all they told me is that my accounts were paid in full. They pointed a finger at the credit bureaus. I need this resolved completely -- FedLoan to stop misreporting and my credit scores and reports to be updated and completely accurate -- absolutely as soon as possible. My next step, if this happens again, will have to be legal action, and I'd prefer to not go that route.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-24

Encinitas, CA

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

2019-05-24

Rochester, NY

Incorrect information on your report

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

Account information incorrect
Complaint: Good afternoon, I have been through many disputes now, especially with XXXX, regarding my Fedloan student loan reporting. Giving a brief background, this is regarding two 120+ day late payments being reported for XX/XX/XXXXand XX/XX/XXXX. For 5 student loans, that totals 10 late payments. Now the issue is, I was granted forbearance for that time period and this by law MUST reflect on my credit reports. I reached out to Fedloan asking for a letter ( that I am attaching ) showing all the dates I was granted this, and the late payments in question are in fact included in the letter under 'general forbearance '. After submitting this to all CRA 's, I have heard back from XX/XX/XXXX twice. The first dispute I submitted they did not attach my documentation, and it came back immediately that all my information being reported was correct. The second dispute took about two weeks and I received confirmation on XX/XX/XXXX. XX/XX/XXXX reached out to Fedloan and the only changes made were comments under my loans stating 'Student payment deferred ', and all previous late payment activity were still present. I received 5 dispute confirmations all along those lines where the information ( payment history ) is apparently being reported correctly, and instead they would rather " notate '' that I had a deferment. In an official advisory opinion given by XXXX XXXX, this again is erroneous and he neglect to report correct information completely violates Section 623 ( a ) ( 2 ). As stated : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. 1. This duty applies only to a person that " regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies. '' At this point XX/XX/XXXX so far has accepted the position given by Fedloan Servicing and I do not know of what to do to get correct reporting and these late payments removed from my credit reports.
Company Response: Closed with explanation

Timely Response

2019-05-24

Inglewood, CA

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-05-24

Brooklyn, NY

Incorrect information on your report

Student loan: Federal student loan servicing

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

Timely Response

2019-05-24

Houston, TX

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

2019-05-24

Flowery Br, GA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-05-23

Vernon, WI

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-05-23

Tampa, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I submitted a large payment ( $ XXXX ) through the Fedloan Servicing online portal. I intentionally targeted the payment to my unsubsidized federal loans with the highest interest rates. Fedloan Servicing proceeded to re-apply my payment to the lowest interest subsidized loans first and leaving an outstanding balance on my highest interest unsubsidized loans. I believe there are malicious and potentially fraudulent processes in the Fedloan Servicing collection process.
Company Response: Closed with explanation

Timely Response

2019-05-23

Walden, CO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: As of XXXX of this year ( XXXX ) I was with FedLoan Servicing Student Loan company because I was enrolled in XXXX. In that month, I found out I got a new job outside of public service. I had recently been notified by FedLoan that my IDR plan monthly amount was going to double, and the amount was going to be tough. Since I was no longer going to be in PSLF, I called FedLoan on XX/XX/XXXX to see what other payment options there were. I spoke with a man who told me about my options and I selected the Extended Graduated plan. He told me I was instantly approved for the new plan. At no point in our conversation did he tell me that by choosing a new plan I may be subject to a system-generated delinquency forbearance that came with the consequence of capitalizing ALL interest from the life of my loans. At the end of the call, I asked about the current payment due and noted it was a lot. He said no problem we can skip the month. I then heard typing and a minute or two later he said he had submitted a forbearance request for me. Now I understand the consequences of forbearance and I told him that was not what I wanted and requested that he cancel the application. He said he did and then I confirmed that the current charge for {$610.00} would be auto-debited on schedule ( XX/XX/XXXX ), and my new payment amount would start next month. He told me I was correct and we ended the call. A few weeks later I received a letter stating that $ 8,000+ interest was going to be capitalized to my principal balance. I called back before that was supposed to happen ( XX/XX/XXXX I believe was when I called ), and spoke to a woman. I explained the situation and that the forbearance must have not been correctly canceled by the last person. She pulled up my account and saw that the previous call notes stated that the forbearance should have been canceled. So she agreed that it was a mistake. I confirmed with her that the forbearance would be removed, and the interest would not capitalize. She verbally confirmed this was true and that the XXXX payment of about {$610.00} would be put on my account to pay. We ended the call. This last weekend I was reviewing my account as my monthly payment was upcoming. I noticed the monthly payment increased by about {$20.00}, the {$610.00} from XXXX was not on my bill and that all the interest had still been capitalized to my principle balance. I called back yesterday ( XX/XX/XXXX ) and spoke with a rep named XXXX and a supervisor named XXXX. When I first spoke with XXXX I explained my previous two calls and asked to get this fixed. She said she needed to put me on hold and look something up. She then got back on the phone and told me it was system-generated delinquency forbearance and there was nothing I could do about it. I asked to speak to a supervisor, which was XXXX. XXXX told me XXXX was correct and there was nothing I could do. I asked her what the companys responsibility is of informing me of this, and she said its in my MPN. I looked this up and I see that they are allowed to put me on forbearance in the event of changing a plan to keep my account current, but thats all it says. There is no information about my rights to know this or be specifically told I was being put on delinquency forbearance. So, my question is should they have informed that this was part of the process and should they have put in specific writing the forbearance I was on? I was not told until my third call that this was the case nor did I receive any written communication about this other than the interest notification that did not specifically note the reasons in my case ( it just listed possible reasons that the interest would be capitalizing ). I also have no written documentation that I was ever put on this delinquency forbearance. In my first call, I told the gentleman that I could pay XXXX and he confirmed my payment would then update for XXXX because I was auto-approved. So I verbally told them I would not be delinquent, and could pay. How is it legal for them to do this without any notification to me until after the fact when I called? What is their responsibility as a result of incorrect information I received twice? Honestly I would have never changed my payment plan if I knew the consequence was going to be {$8000.00} of capitalized interest, which really comes out to more like $ 30,000+ over the life of the loan. I changed my plan in hopes of being able to save for a home down payment and chose the graduated plan because I knew I just needed a lower payment for a couple years. If I made a mistake here, I would hold myself responsible but I believe I was misinformed and then intentionally not provided information until it was too late. Do I have any rights here? Please advise.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-23

NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: My loans are currently being Serviced by AES, but they were previously with XXXX. During the time that my loans were with XXXX after my graduation in XXXX, they reported that my loans were delinquent whereby the original balance of {$24000.00} ( sub ) and {$10000.00} ( unsub ). While with XXXX, I was on a repayment plan. XXXX never advised that I had at least 4 deferment options on my account prior to listing my loans in default. I got on a repayment plan and was able to maintain great payment history. Since being on a repayment plan, my loans were transferred to AES on XX/XX/XXXX. It appeared to have two dates of transfer reported by XXXX, but the dates show the full amounts of the loans which may be inaccurate ( {$54000.00} on XX/XX/XXXX and {$44000.00} on XX/XX/XXXX ). My loan was only tranferred to AES once. Why is it showing multiple instances? When I called AES last week to understand my overall repayment and when I should be completed repayment, she advised in XXXX. How is this possible? Isn't this predatory lending? Before the default placed by XXXX, I only had about $ 30K remaining for repayment. I have been consistent on the repayment plan so my loans should not take me way into XXXX to pay off? The rep advised that if XXXX put me on a deferment that my loan repayment would have been paid in full by now and that they did not do a great job in servicing my account prior to them transferring the debt with them She also advised that there may be possible that my loan repayment was incorrectly applied to my account while with XXXX. To date, I have now paid {$110000.00} total, {$81000.00} principal and {$35000.00} interest and {$500.00} late fees which is nearly 3x the amount of the original debt. The rep advised that my loans may have been reported inaccurately as my account would have never been marked delinquent if they would have applied the deferment. My credit reports have experienced a great loss due to how XXXX handled my account and I wish to have part of my current loan marked as paid due to the negligence as to how XXXX handled my account before being transferred to AES. I should not have been in default nor my loans marked as delinquent and I wish to have resolution on this matter.
Company Response: Closed with explanation

Timely Response

2019-05-23

Bedford, TX

Incorrect information on your report

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

Account status incorrect
Complaint: FedLoan Servicing is reporting to XXXX, XXXX, and XXXX that the 8 student loan accounts XXXX were late from XX/XX/XXXX to XX/XX/XXXX. This information is inaccurate and false. I requested a forbearance due to being unemployed XXXX XXXX this was approved from XX/XX/XXXX until XX/XX/XXXX and then I requested a new unemployment deferment XX/XX/XXXX. I have attached the forbearance request I submitted as well as emails indicating my account was approved to be deferred during those periods. This information has caused my credit to drop exceptionally with over 6 months of late payments showing when these payments were never late. I reached out numerous times to have these accounts placed on forbearance and a manageable repayment plan directly with FedLoan Servicing. I have asked FedLoan Servicing to update these accounts with the credit bureaus and they have not done so. I have also reached out to each credit bureau XXXX, XXXX, and XXXX to alert them of this inaccurate information and they have not updated the late payments either, they continue to state they have verified the account is correct. However, none of the bureaus have provided physical proof that this information was verified as accurate. This is not lawful or compliant and is against FCRA 605 b in regards to debt furnishers. I am requesting this negative information be removed off ALL 3 credit bureaus immediately or I will be forced to seek legal assistance.
Company Response: Closed with explanation

Timely Response

2019-05-22

Nappanee, IN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have had this same issue with FedLoan Servicing multiple times in the past, but just today ( XX/XX/2019 ) I came away frustrated yet again with their incompetence at handling direct debit payment information updates. On XX/XX/2019, I was notified via email that my student loan payment would be directly debited from my checking account on file on the next due date, XX/XX/2019. I knew the checking account on file was not up-to-date, so I took action to correct this information. On XX/XX/2019 I submitted a Direct Debit Update form via the FedLoan Servicing online portal, as directed by their system. I then attempted to delete the previously " saved account '' from my online portal, but was unable to do so. However, I double-checked the direct debit page of my account, and the direct debit information listed had been updated to show my newly entered bank information, per the form I submitted. I fully expected the automatic payment to be debited from that new account on XX/XX/XXXX and didn't think anything would go awry. Today, XX/XX/2019, I checked my checking account and no withdrawal was made from my updated bank account by FedLoan Servicing. I then signed into FedLoan Servicing 's website to check my online account. It stated a payment had been made on XX/XX/XXXX, but I could not see from which bank account it had been attempted to be withdrawn. I called FedLoan Servicing immediately for clarification, and the customer service representative I spoke to was completely incompetent. She was only providing me with canned answers to questions I wasn't even asking, and was not helping me get to the root cause of and potential solution to this issue. It wasn't until almost 10 minutes into the conversation that she told me their system had attempted to debit my previous/old bank account on file, and that " FedLoan Servicing does not process direct debit updates for one to two full billing cycles '' ( one to two months ). So, even though the online system updated the information back on XX/XX/XXXX, here it is XX/XX/XXXX and she is telling me that it was my responsibility to call them and ask if they'd had the time ( over the past two weeks ) to process a simple direct debit update? After struggling to get anywhere with the customer service representative, I inquired if this payment would be considered late, because it was their system 's error that it was debited from the incorrect bank account. She told me a two-sided answer that did not fully answer my question. She said that the payment would be considered late " internally with FedLoan '', but that they would not report it was late to the credit bureaus. I asked if there would be any penalty because this payment would be " internally '' considered late, and she again gave me a run-around answer. She also could not answer me when I asked if the .25 % interest rate incentive under the direct debit program would be revoked during the " one to two billing cycle '' lag period in their processing of my direct debit update. I was left with no answers, even though I asked the same question in different ways, multiple times. I know when I'm being misled, and I feel I am being tricked into believing the smoke and mirrors created by this company. If their system ( my online account summary ) showed the NEW bank account information I submitted to them nearly 12 days ago as my direct debit information, why would it STILL take them one to two more billing cycles to process the information? I became so frustrated with the run-around " answers '' the representative was giving me, that I hung up the phone and just paid the amount due from my current checking account via their online system so that my payment wouldn't be considered late. On XX/XX/XXXX, I retained receipt of my direct debit update form submission for my own records as a PDF. Nowhere on this form does it indicate a " one to two billing cycle '' lag time to update an EXISTING direct debit enrollment. The form indicates a one to two billing cycle delay for a direct debit agreement to be initially set up as a new direct debit enrollee. This servicer should be ashamed of itself for this misleading and lazy behavior, and for also putting my loans into forbearance ( rather than deferment ) MULTIPLE TIMES in the past, when I was not offered an alternative that would lighten the burden on me as the loan borrower. I am so appalled with FedLoan Servicing that I am writing to Congress to be a voice for my generation on this gargantuan failure for college graduates. My loan balance has nearly doubled in just 4 years ' time. I was supposed to be classified as " in-school status '' from XXXX, but I feel my loans were only augmented or inflated by FedLoan Servicing during that time. I have a 5.63 % interest rate. Something doesn't add up. I was never aware my balances were growing so rapidly, until I started being my own advocate this year. I'm completely appalled. These incompetent moneygrubbers should be prosecuted for knowingly withholding the best options and not offering the most positive support and information they can to student loan borrowers like me.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-22

Chatham, OH

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-05-22

Philadelphia, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I consolidated with XXXX XXXX in XXXX to take advantage of the Public Service Loan Forgiveness ( PSLF ) plan, when I realized that I was not eligible for this benefit while my loans were with XXXX XXXX. ( I have worked for the same non-profit 501 ( c ) 3 organization since XXXX. ) As soon as I learned of the PLSF program, I aimed to learn the rules of the plan and submitted all of my paperwork in XX/XX/XXXX to consolidate from XXXX XXXX to XXXX XXXX. XXXX XXXX was terrible about communicating the rules of the program, but I did my research online and followed the guidelines. After making two payments under the standard repayment plan, I read online that only income-based repayments are eligible for PLSF. I submitted paperwork to XXXX XXXX for IBR, which took months to process, and I got on the IBR plan beginning XX/XX/XXXX. My loans were transferred from XXXX XXXX ( now defunct ) to XXXX in XXXX, and then to Fed Loan in XXXX. In XX/XX/XXXX, I noticed that my payments for the Public Service Loan Forgiveness ( PSLF ) program were miscounted, resulting in approximately 16 missing payments from my eligible payment count. I have tried for months to work with FedLoan Servicing to rectify this issue, but I am very unhappy with the progress of this review. I have asked repeatedly, both by email and phone, for a full history of the student loan payments I've made to all 3 servicers. Both the Department of Education Ombudsman Group and Fed Loan verbally confirmed the payments I made over the telephone, but they refuse to submit this to me in writing. Fedloan has sent me 3 different cryptic, disorganized documents that do not in any way show a full payment history, and they truly lack any semblance of reason. One document had transaction codes with no legend/key for the codes and 50-75 different transactions, many in the amount of {$0.00} or other random small amounts. This is completely unacceptable service for a student loan company to offer a borrower. Furthermore, FedLoan has advised me that nearly a year of payments I made in XXXX cant be counted toward PSLF because I was on an " administrative forbearance '' at this time. I have proof that I was billed during this time, made hefty monthly payments, and I did not request any type of forbearance on my account for those months. I would have never made the financially crippling payments if they weren't being counted toward my loan program! This is obviously an administrative error and must be corrected. Fedloan has also advised me that some payments I made could not be counted toward PSLF because my payment was one cent off from the actual amount due. I have sent them records showing that my monthly amount due was indeed the amount I paid. A few other payments were a XXXX or a few dollars off because I paid a few dollars extra on a month prior when I would sometimes round up to the nearest dollar when making a payment. Beyond this, there were several other payments that Fedloan says do not count towards the PSLF program for one unfair reason or another. I work in public service, and I have struggled to make these payments. I've paid around {$30000.00} of interest only payments to date. My original loan balance was around {$47000.00} ... with compounding interest each month, my balance has increased to {$60000.00}. My only hope for ever ending this overwhelming debt is the PSLF program. Fedloan is making unfair, inhumane decisions with regard to PLSF and it is very evident that they've grossly mismanaged my student loans. I have never made a late payment and have held up my end of the contract as the consumer. Fedloan has breached the contract with me, the loan holder, by not keeping proper records of my payment eligibility, and by never informing me that being paid ahead by even a XXXX could affect my status. ( This information is buried on their website, but in the emails I get each month about my bill it actually gives encouraging tips about paying ahead! ) Furthermore, it is completely unacceptable to not fulfill my request for a full payment history in 3 months time when I am currently making monthly payments in the amount of over {$410.00} to this company! I have followed the PSLF program to the letter, frequently certifying my employment for the program. Ive read online about people who werent with the right loan servicer for PSLF, or in the wrong payment plan for years and who are now upset that their payments dont count and have appealed for inclusion in the program. Meanwhile, I did my research and properly followed the program, only to have XXXX instruction or accountability from XXXX XXXX and then my payments mishandled and incorrectly counted by FedLoan! This program is supposed to reward people for work in the public sector. Its become a cryptic, unfair game that is impossible to navigate and has resulted in an insurmountable level of debt! I have a young son, and our entire future rests on me completing this program as soon as possible. I have already been working with the FedLoan Ombudsman group for 3 months. The staff is abrasive and unsympathetic. Please help me rectify this injustice and help me communicate with this organization.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-22

Seneca, SC

Credit monitoring or identity theft protection services

Student loan: Federal student loan servicing

Billing dispute for services
Complaint: FedLoan Servicing / PHEAA Legal Service Division has been contacting me for months AFTER I have proven that they do NOT have a contract with me. Their accounts were successfully removed from my credit file after all information was forwarded proving they are fraudulently attempting to collect a debt that they are unable to prove belongs to me. FedLoan Servicing / PHEAA Legal Service Division mails me numerous amounts of letters at a time and applied an administrative forbearance to suspend collections despite not having a valid wet ink contract with me. I have not requested an administrative forbearance with FedLoan Servicing / PHEAA Legal Service Division I requested the ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM ( NOT COPIES ). This company has threatened me with their legal team and has not provided any valid documentation proving they are the HOLDERS IN DUE COURSE. FedLoan Servicing / PHEAA Legal Service Division has had several months to provide me with the ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM ( NOT COPIES ) and each time has failed to provide anything of the sort FedLoan Servicing / Legal Service Division has NOT replied with a signed letter under penalty of perjury. FedLoan Servicing / PHEAA Legal Service Division has NEVER provided me with their Foreign Agent Registration under Title 22 U.S. Code 611. FedLoan Servicing / PHEAA Legal Service Division uses 3 different mailing address and ignores relevant mail from me. They have ignored my validation requests, non-response, cease and desist, and my notice of intent to sue requests. FedLoan Servicing / PHEAA Legal Service Division has no reasons to contact me any further.
Company Response: Closed with explanation

Timely Response

2019-05-22

Shulerville, SC

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: Balances showing {$200.00} and some dollars. Was report by FedLoan Servicing however when I spoke to them they said that I was still in good standings and did not owe them anything that I'm on pay-as-you-go with a payment of XXXX amount. I would like this removed from my credit due to damages that it's done to it
Company Response: Closed with non-monetary relief

Timely Response

2019-05-22

Aurora, CO

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

2019-05-22

Brookline, MA

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