AES-PHEAA

2019-04-03

HI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I've been making loan payments under the PSLF program consecutively, since XX/XX/XXXX working for a state government agency. In XX/XX/XXXX, I changed jobs to a county job and received an increase in pay. In XX/XX/XXXX when I applied for recertification, my application was " denied '' due to my increase in salary. I expected to have a change in my monthly payments, but was stressed upon seeing this notice that I was " denied. '' I contacted XXXX immediately and a customer service rep switched me to a plan with the lowest monthly payment. Unbeknownst to me, the " plan '' she switched me too did NOT qualify as a plan to make repayments under for PSLF. I learned of this by an email notice one month later. I contacted XXXX again, and again was told I was on the wrong plan. I once again tried to submit paperwork to get under the correct plan. In XX/XX/XXXX I received another notice my application has been " denied. '' I called XXXX again and was now told to apply for REPAYE. I was told that a payment in XX/XX/XXXXwill NOT count towards the 120 monthly payments because paperwork will not be processed in time, but the monthly payment will be very low. I paid {$880.00} for XX/XX/XXXX, and then {$440.00} in XX/XX/XXXX. I received another notice in XX/XX/XXXX that I am still not on a plan that qualifies for PSLF. I contacted XXXX AGAIN and spoke with someone who convinced me he was knowledgeable, and assured me I was on the right track. I am on REPAYE and my monthly payments will be {$800.00} beginning in XX/XX/XXXX. I asked him if he could send me an email to memorialize our conversation, but he said he could not do so. I paid {$880.00} over the phone to him for my XX/XX/XXXX payment, and he told me that all payments, including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXwould count towards the 120 payments. Today I received a notice for automatic withdrawal, and the amount was only {$450.00}. I called XXXX and spoke with a very rude person by the name of XXXX who not only hung up on me, but was supposedly a supervisor. She refused to explain how this mess happened, and would not acknowledge they XXXX XXXX up. I relied upon their advice and information when choosing a plan to pay under. I asked the right questions to assure myself that I was paying under a plan that would qualify for PSLF. Not only was I given incorrect information, but now I have months of payments that do not count towards my 120 payments for PSLF. I relied on XXXX customer service reps to my detriment. I have no idea what is going on, what payments count towards the 120, and why certain payments don't count. I don't understand why it takes three to four months to process paperwork, and as the consumer, I am penalized for their lack of diligence. I have been told completely different information from each customer service rep I've spoken to and have now lost all trust and confidence that XXXX is properly servicing my loans so that I qualify for forgiveness in 3 years. I am at the end of my rope and ready to hire an attorney to file yet another lawsuit against XXXX. Please help!!
Company Response: Closed with explanation

Timely Response

2019-04-03

VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: One component of the PSLF program that I and several of my colleagues are impacted by concerns the issue of being in paid ahead status ( i.e., I paid too much on my student loans - I think I paid a little too much a couple months and didnt realize it mattered since I was being responsible ). I will keep this short - Basically, I didnt know that I was in paid ahead status when I started working for a qualified employer and had my loans transferred to the bank that is servicing the PSLF program. So, although I was working for a qualified employer, my loans were consolidated under a qualified repayment program, and I was paying what I was being billed, 9 months of my payments didnt count towards the 120 qualified payments for PSSLF because I was in paid ahead status and didnt know. Its sad that you can do everything right, but get XXXX because you were too responsible.
Company Response: Closed with explanation

Timely Response

2019-04-02

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2019-04-02

MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Fedloan Servicing is the biggest joke of an organization. They have lost or " mishandled '' any of my submitted paperwork. They have miscalculated my income MULTIPLE times even after I spoke with them to fix the problem, they have given my misleading/false information about everytime Ive called them, and they dont seem to comprehend law enforcement income. I have spoke to Fedloan Servicing about how overtimes and details are not guaranteed money and can not be reflected when determing a new year 's loan payment. I have spoken with them plenty of times how I am not guaranteed to make said money and how I base my payments on my base pay. Every time I explained to them said information, it goes right over their head. And when I ask to recalculate they tell me my loan may suffer more interest payments because of it, and in turn my credit will be effected. How this organization is so daft is beyond me. I am being penalized by doing the right thing and being honest? This is absolutely unfair and so unprofessional. I tried signing up for income driven, public worker student loans and theyve " mishandled '' my paper ( aka lost it ) twice already. How can I trust them? Short answer I cant. They are stealing my money and pretending theyre blind with incompetence.
Company Response: Closed with explanation

Timely Response

2019-04-02

False statements or representation

Debt collection: Federal student loan debt

Indicated you were committing crime by not paying debt
Company Response: Closed with explanation

Timely Response

2019-04-02

Alta, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: My experience with FedLoan servicing has been one continuing nightmare from the beginning. I can confidently say that choosing the government loan repayment program is the worst financial decision I've ever made in my life ( and possibly the absolute worst decision ever! ). I started out being serviced by XXXX. For the first year of my loan they put me on a program that did not qualify for the repayment program despite the fact I specifically requested that. Over the five years that XXXX handled my loan I was repeatedly misled and provided false information which cost me thousands of dollars. After approximately five years I requested a calculation of my previous qualifying payments, and was automatically transferred to FedLoan. I thought my account would finally be handled properly, but unfortunately I was mistaken. On XX/XX/2016 I contacted FedLoan about my newly calculated amount of my loan, which was {$340.00} per month. Because of my family and financial situation at the time this was somewhat low. I spoke with the FedLoan representative who told me that I could make up to 12 payments at one time and have them count for 12 separate payments. I had approximately {$4000.00} in my savings at this time, and wanted to take advantage of this option before the money ended up spent on other things. However, this didn't sound right to me so I repeatedly asked, no less than three or four times, to confirm that even if I made these payments all at one time, it would still cover separate qualifying payments. The representative continued to assure me this was the case. I made the lump sum payment, and because every month I received a statement in the mail showing no payment due, I assumed that this was processed as it was explained to me. I submitted my paperwork for a re-calculation of my monthly payment, as must be done each year. At this time I inquired about the lump sum payment I made, and to confirm that it was credited as it was explained to me. I was notified at this time that I only got credit for one qualifying payment. I requested to speak with a supervisor at this time and was told there were none available and left a message requesting a call back. ( It should be noted that I've left messages several times for supervisors and never got a call back. ) After requesting for over a year that this be reviewed and considered for an exception it was finally referred to the people that conduct this. It then took another six months for the review to take place. In the end they told me that they only keep the recorded phone calls for two years and because they couldn't confirm what I was told they were refusing to give me credit for the payment I had made. After calling several additional times I was told that they would credit me back the portion of my payment that was not applied to qualifying payments. I reluctantly accepted this and waited over two months to receive a check in the mail. I then received a notice that my account was in delinquent status so I called to follow up on this. I was first told that if I wanted a refund on the lump sum payment I made, then they would only refund the full amount, and I would lose the qualifying payment that was applied. Not only am I out almost {$3000.00} for the payment I made, but when they take on the additional payments to the end of my mandatory qualifying payments, it will likely cost me over {$10000.00} in the end. This is only one example of the multiple issues I have experienced. I've found that as many times as I've called, I never get a consistent response to any of my questions. The agents have misled me so many times that I simply can't trust anything they say. It has also become apparent that they have purposefully structured things so you can never reach a supervisor or somebody that has authority to make things right. The business model appears to intentionally wear down the borrower to the point where they just give up trying to get their issue resolved. I've spent no less than 100 hours on the phone attempting to get the issues with my account resolved and have almost never been satisfied with the result. The agents are always nice, they always act as though they want to help, and in the end nothing gets done.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-02

Euclid, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XXXX 's business practices are shady at best. Online correspondances are deleted from the site, forcing me to save every document separately. In regards to PSLF payment tracking, I have been forced to change to XXXX because they are the only servicer available for PSLF candidates. Every year when I submit my employment certification they mess up my tracking and either refuse to approve my employment dates, or use the wrong dates that are not even included in the application submitted. I truly feel they are intentionally messing up these applications to put borrowers behind in making their 120 qualifying payments and avoid standing up to their end of the program. With my current submission, the initial application was approved for the wrong dates. When I resubmitted and asked for them to look at the application dates again, the same application was rejected. How can they approve and then deny the exact same application if something isn't going on? I have been working on correcting this issue since XXXX and have yet to receive a satisfactory response from XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-02

Rockville, MD

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: XXXX XXXX XXXX ( XXXX ) AFFIDAVIT XX/XX/2019 RE : TIMELINE AND EVIDENCE OF DEPARTMENT OF EDUCATION-PHEAA-XXXX XXXX ( XXXXXXXX ) CHECK FRAUD, {$1000.00} CRIMINAL THEFT, FROM MY CHECKING ACCOUNT ON XX/XX/2019. Timeline of XXXX bank fraud/unauthorized withdrawal and check fraud theft involved two ( 2 ) separate-but-linked acts XX/XX/2019 and XX/XX/2019 : ( a ) XXXX first act of bank fraud ( unauthorized withdrawal ) on XX/XX/2019 : ( i ) On XX/XX/2019 XXXX received by US Mail XXXX signature receipt required, my personal check # XXXX for {$1000.00} ( the eighty-fourth ( 84th ) payment, due XX/XX/2019, made according to Standard Loan Repayment contract : i.e. fixed, equal monthly payment for 120 months to paid-in-full ) ( See EXHIBIT 1. XXXX Vice President, Loan Operations, XXXX XXXX XXXX signed letter attached expressly affirms Standard Loan Repayment of {$1000.00} ( fixed equal monthly payment amount ) due on tenth ( 10th ) day of each month, 1 page attached. ) ( ii ) On XX/XX/2019 XXXX made unauthorized withdrawal of a lesser amount, {$1000.00}, less than {$1000.00} indicated on the face of my check # XXXX ( EXHIBIT 2. Copy of check # XXXX, 1 page attached. See also EXHIBIT 7. XXXX XXXX XXXX withdrawals from my account listed by check #, date, and amount withdrawn, 2 pages attached. ) Said XXXX engineered underpayment, an unauthorized withdrawal i.e.less than check # XXXX specified amount, thereby XXXX willfully misrepresented the XX/XX/2019 underpayment of my student loans breaching Standard Loan repayment contract was my fault ( see also ( vii ) ). ( iii ) On or about XX/XX/2019, I first received notice via my XX/XX/2019 XXXX XXXX XXXX statement of XXXX unauthorized {$1000.00} withdrawal using electronification ( ECK ) of my paper check # XXXX. I notified XXXX XXXX XXXX immediately XX/XX/2019 of XXXX unauthorized withdrawal, submitting my affidavit and police report number to XXXX XXXX XXXX XX/XX/2019 ( EXHIBIT 3. Affidavit Submitted XX/XX/2019 Re XXXX Unauthorized Withdrawal, 2 pages attached. ) ( iv ) On XX/XX/2019 XXXX XXXX XXXX reversed unauthorized ECK payment of {$1000.00} to XXXX recrediting my checking account for {$1000.00} ( EXHIBIT 4. XXXX XXXX Confirmation of Reversal of XXXX Unauthorized Withdrawal Via XXXX ECK of Check # XXXX, 1 page attached. ) ( v ) On XX/XX/2019, I filed Consumer Financial Protection Bureau ( CFPB ) complaint # XX/XX/1903-XX/XX/3883 attesting under oath of preceding facts ( i ) - ( iv ) above then XXXX promptly complied with XXXX express directive via CFPB to resolve this matter. ( EXHIBIT 5. XXXX Acts In Compliance With XXXX Express Directive via CFPB to Replace Check XXXX With Check XXXX, company [ XXXX ] response XX/XX/2019, 8 pages attached. ) ( vi ) On XX/XX/2019, acting per XXXX express directive ( see EXHIBIT 5. CFPB Complaint # XXXX-XXXX company [ XXXX ] response highlighted text ), I submitted a check # XXXX for {$1000.00} on XX/XX/2019 to replace reversed-for-unauthorized-withdrawal check # XXXX which check XXXX attested to CFPB under oath they could no longer use ( per se perjury ) to debit my account for XX/XX/2019 monthly payment ( see EXHIBIT 5. company [ XXXX ] response. ) Check # XXXX was US Mail signature receipt ( signature, XXXX XXXX, see EXHIBIT 5. ) received by XXXX on XX/XX/2019 ( see EXHIBIT 5. ) and ECK debited from my checking account on XX/XX/2019. ( See EXHIBIT 7. XXXX XXXX XXXX withdrawals from my account listed by check #, date, and amount withdrawn, 2 pages attached. ) As of XX/XX/2019 my student loan group account was current, i.e. no payment is due until XX/XX/2019. ( vii ) On XX/XX/2019, I received via US Mail from XXXX two form letters indicating my student loan account was delinquent. ( See EXHIBIT 6. Two XXXX delinquent account form letters datedXX/XX/2019, 6 pages attached. ) My XXXX account was never delinquent from XX/XX/XXXX date my group loans entered repayment through today, XX/XX/2019. Note : timeline facts ( i ) - ( ii ) given above, XXXX had received timely in-full monthly payments : check # XXXX for {$1000.00} ( see EXHIBIT 3. photocopy of check # XXXX received by XXXX XX/XX/2019 and ECK debited for unauthorized amount- {$1000.00} by XXXX on XX/XX/2019 ; and check # XXXX for {$1000.00} ECK debited my account on XX/XX/2019 for {$1000.00}. ( See EXHIBIT 7. XXXX XXXX XXXX withdrawals from my account listed by check #, date, and amount withdrawn, 2 pages attached. ) The sole proximate cause of reversed payment of check # XXXX was XXXX self-generated unauthorized ECK debit on XX/XX/2019. XXXX self-generated the required check reversal subsequently used by XXXX to misrepresent in fraud blame-shift from XXXX for payment delay to me, per se extortion via bank fraud. ( b ) FedLoans second act of bank fraud ( check fraud-theft of {$1000.00} from my account ) on XX/XX/2019 : ( i ) OnXX/XX/2019 XXXX used check # XXXX as a paper check ( not ECK, as prior ( ii ) ) to debit triple monthly payment of {$1000.00}. ( See EXHIBIT 7. XXXX XXXX XXXX withdrawals from my account listed by check #, date, and amount withdrawn, 2 pages attached. ) On XX/XX/2019, no payment was due XXXX until XX/XX/2019. My XXXX account was current as of XX/XX/2019 check # XXXX for {$1000.00}, payment directed by XXXX to replace reversed check # XXXX. Ten ( 10 ) days after electronically cashing replacement check # XXXX on XX/XX/2019, XXXX action to withdraw {$1000.00} on XX/XX/2019 is per se check fraud/criminal theft using check routing and account numbers to take {$1000.00} neither authorized nor owed XXXX.
Company Response: Closed with monetary relief

Timely Response

2019-04-02

Cheverly, MD

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: In XX/XX/XXXX, I filed to recertify my student loan payment. My husband and I filed separate XXXX returns and I deliberately waited until they were processed before filing the recertification. I requested XXXX to review the tax information provided by the IRS transfer tool and switch me to the lowest payment plan ( this was confirmed by the agent ). However, when they re-certified it, they didn't switch the plan and they re-certified it at a higher payment. When I called to ask what they were doing, initially the agent told me it was because I had " access '' to my husband 's income! I know that's not true and I asked her when they decided that was a factor. Then she came back and said that unless I specifically told them to put me on the IBR ( which would have excluded my husband 's income ) their version of switching me to the lowest payment plan was to keep me on the same payment plan. Then she told me I needed to apply all over again but tell them specifically which plan I wanted or they would just leave me on the REPAYE. Since when do they just make up the rules about which plan they want me to have and ignore my requests or the law which says not to include my spouse 's income if we file separately? What if I literally had no knowledge of how this works and just accepted it? I'm sure there are many people that do not know how the payment plan options work and would have just accepted it. I plan to call back and request a supervisor who will hopefully be able to help me without me having to wait another month for a proper revision.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-02

Arco, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: To Whom It May Concern, I am writing to report what I believe is wrongdoing by XXXX XXXX and to ask for assistance. I am part of what is called the Public Service Loan Forgiveness program but have, over a number of years, found that the company makes it very difficult to make payments " count '' towards the requisite 120 payments needed for loan forgiveness. This is not to mention other programs I've been a part of over decades now which have promised forgiveness after ten years, etc. and then punted my loan down the road only to have to qualify for another such program. When I applied for the PSLF, I obtained the required Employer Verification and started paying through this program. I have taught at XXXX XXXX XXXX XXXX, a XXXX, XXXX XXXX recognized employer, for over 25 years. I have far exceeded the XXXX qualifying payments in my public service, making on-time payments over decades. As for this particular program and its eligibility, I have been told on more than one occasion, that I qualified for the PSLF program and my Employment Verification was up to date. A few years ago I called again to make sure that payments were qualifying and was told no, that I was enrolled in the wrong payment program and that none of my payments count towards the PSLF. To date, I have accrued only XXXX qualifying payments. And today I discovered that because I failed to re-certify my XXXX XXXX XXXX XXXX, my current payment will not count either. I have been making qualifying payments for the last few years ( let alone the last 20+ ), how could they not count towards the PSLF? I wonder if there is a class action suit against this entity yet for people who are doing all they can to qualify, certify, etc. for a plan that, at every turn in the road, seems to be nearly impossible to achieve? It makes me wonder if XXXX XXXX XXXX is actively making sure that borrowers will never be given loan forgiveness under this program. Here are just three examples of how these unfair practices are making sure that millions of people don't every repay their student loans : 1. Today I spoke to a very helpful operator who ( finally ) informed me that the XXXX XXXX XXXX XXXX XXXX should be submitted every year, 90 days before the deadline. I have NEVER been told this before but have been aware that at some point my account seems to be kicked off of the right type of repayment plan and to another one making me ineligible for the PSLF. 2. That if I pay even a bit more than my PSLF requires ( wanting to offset the crazy interest I am accruing ) my PSLF payment will not qualify. So I am penalized by wanting to pay more. How would I EVER know this? 3. The Employment Certification policy is murky at best. I've been told to fill one out and send once a year, or just every couple of years. And, the way to even find the form is confusing not to mention that the form itself VERY closely resembles the wrong form - the application for forgiveness. 4. The fellow I spoke to today also informed me that sometimes the computer splits payments making it appear that I/people didn't make a PSLF qualifying payment. Is there anything that can be done? I am at my wits end, I have worked for an eligible organization for 25+ years, doesn't this count for anything or am I just to be at the mercy of this administrative, bureaucratic, fraudulent system? Is there a such thing as retroactive qualifying payments? Do I have to comb through the system trying to find whether the computer has split a payment thereby disqualifying my payments? Thank you for your attention and for your time, it is truly appreciated.
Company Response: Closed with explanation

Timely Response

2019-04-02

Beachmont, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2019-04-02

Sacramento, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: To whom it may concern, I, XXXX XXXX have a credit issue I'd like to fix. I have contacted XXXX numerous times and have gotten different responses each time. I am a stay at home mom, with a XXXX year old who homeschools my children, as well as help my grand parents get their needs met. I was unaware I had to apply monthly, or tri-monthly. One rep said today XX/XX/19 I had to apply monthly, and the other said every 3 months. I was unaware the policies changed. I had spoken to another rep in the beggining of XXXX and he told me I was fine and to not worry and that they would dispute my credit problems. Then today was turned down. As you can see the confusion and miscommunication I'm dealing with esp with all of the sudden recieving a bill. Which once was recieved it was too late, my credit score dropped tremendously over my XXXX. I need help. I keep getting told different things and all because of miscommunication on their end my credit sucks.its upsetting and discouraging. Please help. My contact is ( XXXX ) XXXX or you may email me at XXXX. Any help is highly appreciated. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-04-02

Indiahoma, OK

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: XXXX XXXX XXXX hasnt been fair. I have requested they remove this old closed account from my credit report.. its been 7 years and 7months. Its been delinquent way before they reported it delinquent to try and have more time to leave it on my reports. I have requested that they provide me the information and proof of my payments from XX/XX/XXXX until XX/XX/XXXX they have it showing that I was delinquent in XX/XX/XXXX/XX/XX/XXXX but has no information for XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. I was delinquent from the original date it was reported which was XX/XX/XXXX. I ha XXXX made any payment until XX/XX/XXXX so I have always been delinquent and its been 7years and 7 months.
Company Response: Closed with explanation

Timely Response

2019-04-02

Hollywood, FL

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-04-01

Saint Charles, MD

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

2019-04-01

PA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I am a military member in the XXXX XXXX. My military benefits include {$50000.00} of student loan repayment. I have GATE loans with AES/PHEAA as the servicing agency and National Collegiate Student Loan Trusts as the lender. The XXXX paid {$5200.00} towards my Gate loans in XX/XX/XXXX and {$5300.00} in XX/XX/XXXX. These payments go towards principal. When I was on XXXX XXXX orders for training and XXXX the last two years, I had no problem deferring my loans. Now I am on an accelerated repayment schedule, they are trying to make me payback approximately {$2000.00} a month on approximately {$25000.00} in Gate Loan debt when I still have four more years of SLRP principal payments plus one additional year of partial payment of approximately {$2500.00} that the government will pay on my behalf. I have been trying unsuccessfully to change my payment terms to interest only, so that I do not have to pay back money that the XXXX will be paying off on my behalf. AES has stated that National Collegiate Student Loan Trusts have been non-responsive and/or will not grant my request. I have faxed them two different letters and have spoken on the phone countless times. I am an XXXX Veteran who has earned these military benefits. The fact that these companies will not work with me to allow me to use the benefits is unacceptable. By changing my loan to interest only, the lender has the best chance of getting their money. I have not found a way to contact NCT Directly. AES has been horrible on the servicing. Everytime I call into AES, I get a different person and have to explain my situation all over again.
Company Response: Closed with explanation

Timely Response

2019-04-01

Brooklyn, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with non-monetary relief

Timely Response

2019-04-01

Clovis, CA

Took or threatened to take negative or legal action

Debt collection: Federal student loan debt

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

Timely Response

2019-04-01

Watkins, CO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I attended XXXX University beginning with the fall semester of XXXX. As of the beginning of this year, MyFed Loan is claiming that I owe {$2500.00} ( {$2000.00} past due ) on supposed loans that I took out from XX/XX/XXXX to XX/XX/XXXX. I find it to be outrageous that after so many years they claim that I owe them money. I know of no such loans that I took out and do not find it plausible that any loans that might have been taken out would have been deferred for this length of time. I have called XXXX University and have checked into my financial records. They do not show that I owe them any money and I have requested documentation of all of my financial information.
Company Response: Closed with explanation

Timely Response

2019-04-01

Hicksville, NY

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: I have been paying off the loan for over 13 years. Paid off the loan already and now they are saying I owe them the same amount I originally started off with. The principal has not been barely touched.
Company Response: Closed with explanation

Timely Response

2019-03-31

Findlay, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-03-31

Clayton, MO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: In XX/XX/XXXX, I was advised by XXXX XXXX that I had completed 58/120 loan payments for the Public Service Loan Forgiveness ( PSLF ) program. This was upsetting because my calculations indicated that I had completed 85/120 loan payments. On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( # XXXX ) and requested a PSLF Review Payment Tracker ( " Payment Tracker '' ). I was advised it would take a minimum of 90 days. On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised it is now taking six months. On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised that they submitted my original review ( XX/XX/XXXX ) to an email folder and requested that it be expedited. Furthermore, XXXX advised me that it appeared that the processor forgot about my original request. During this call, I also requested that XXXX XXXX REMOVE the improperly credited service with the Department of Forestry they had RANDOMLY credited me with. I was advised that request was granted and completed immediately. On XX/XX/XXXX, I called FedLoan Servicing and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised it would be completed in 15 days. I asked to speak with a supervisor. I spoke with XXXX ( XXXX ). She advised me that my Payment Tracker request was not processed last year and now they are using a new system as of XX/XX/XXXX. Therefore, the review take six months. On XX/XX/XXXX, TWO YEARS after my original phone call, I spoke with XXXX ( XXXX ) and his supervisor XXXX ( XXXX ). I was advised they had not completed the payment tracker review, and they really had no timeline as to when it would be completed. XXXX advised me it would " get done when it gets done. '' Such utter and gross incompetence in the federal government is infuriating.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-31

Ernul, NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I started working with XXXX XXXX back in XX/XX/2018 I was told that if I made 7 payments of {$170.00} every 2 weeks then my loans would be completely discharged/wiped off my credit reports. That was a lie. 7 payments would have been a total of {$1200.00} but I actually paid {$2200.00} for a total of 13 payments. Nothing was taken off my credit reports. It states that I started working with them in XX/XX/2018. I called about everything and I was told " no that not true '' and " we have no records that payments were made '' I had to change my bank account information because they kept drafting my account. Everytime since I changed my bank account information they wont answer my calls or return my calls. And to this day it's still on my credit and they keep raising the interest rate on the loans. If something doesnt happen, I will switch companies. And please call me
Company Response: Closed with explanation

Timely Response

2019-03-30

Lannon, WI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2019-03-29

Phila, PA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response