AES-PHEAA

2019-02-28

Philadelphia, PA

Incorrect information on your report

Student loan: Federal student loan servicing

Information is missing that should be on the report
Complaint: None of my federal loans appear on my XXXX credit report.
Company Response: Closed with explanation

Timely Response

2019-02-28

KS

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: Do you not actually read the complaints against your company? I filed a complaint stating I have been locked out of my online account since XX/XX/2018. I can not access records I need, because they are located in my online account. I stated to you THAT I HAD CALLED XX/XX/2018, to have this problem resolved. Yet in your answer to my complaint you wrote You must contact XXXX XXXX to authenticate your account and request your account be unblocked. Again, I told you in my complaint that I made that phone call on XX/XX/2018. I expect to have access to my online account because there are pertinent records there of my forbearance, which is in question.
Company Response: Closed with explanation

Timely Response

2019-02-28

Brooklyn, NY

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Ok what happened is i had my accounts with fedloan servicing someway somehow they lost my correct contact info to send me my letters about loans, every year ive made sure to do a forbearance and of all years 2018 income taxes be completely swiped and im still having hardships and may face an eviction if my rent not paid, lights cutt off etc etc all due to an clerical error in not updating my address so my entire XXXX income tax check was taken as in offset. This was not my fault at all but im facing the consequence. And ive made a complaint with another agency and they were abled to see the clerical error where my address from XXXX XXXX was switched to my new address then again to my old address and that should not have been. So when the nrs was trying to contact me they did not have the correct address on file I NEED MY INCOME TAXES BACK PLEASE I HAVE NO INCOME AT THE MOMENT.
Company Response: Closed with explanation

Timely Response

2019-02-28

Charlotte, NC

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

2019-02-27

GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Case # XXXX was a prior issue that I had with XXXX. This Case was resolved because a review was completed of any and all eligible payments and my account was updated to reflect the correct number counting towards Public Service Loan Forgiveness. I was advised that number is one hundred and sixteen ( 116 ) eligible and qualifying monthly installments. I submitted a new Employer Certification Form ( ECF ) in XX/XX/XXXX and my payments XXXX out on my online XXXX account. I made an additional payment for XX/XX/XXXX bringing my total potential eligible payments to 121. XXXX stated my eligible date of completion was XX/XX/XXXX. I submitted the Employer Certification Form and application for Public Service Loan Forgiveness as instructed by XXXX. I then received correspondence stating my application was rejected based on lack of qualifying payments. I began calling XXXX in XX/XX/XXXX about this issue. XXXX stated I lacked 5/6 qualifying payments. I reviewed my online account and it reflected 5/6 payments remaining. This was the same account that presently showed XXXX before I sent my application in. I later checked the account again after seeking help from calling representatives with XXXX. My account now showed I had 57/63 remaining payments. I attempted to call on a weekly basis from XX/XX/XXXX to XX/XX/XXXX and was told the same thing numerous times. I was advised my account was under review and I would received an answer within 3/5 business days. I would call back after that time passed and was advised the review would take 6 months to a year. I was advised my several representatives and managers at XXXX that my payments could be seen as being paid on my account for the months of XXXX XXXX through XX/XX/XXXX. I was advised these were the payments not being county as qualifying but my Employer Certification Form was approved and my payments are electronically debited for the amount I was instructed to pay. I was advised by XXXX that it was a computer glitch and I would have to request a payment review ( which I was advised that was happening when XXXX was 1st made away in XX/XX/XXXX ) and it would potentially take a year to review the remaining 5/6 payments. I am at a standstill with XXXX and I have provided everything they need but I keep getting a runaround and I feel I am being treated unfairly because I am trying to apply for loan forgiveness. I also was advised by XXXX that my application is on file and that I would not have to re-submit a new application. I do not feel this is accurate information because I am beginning not to trust anything that XXXX recommends because of the lack of effort and misinformation that I have received. I have attached the prior complaint and recent correspondence from XXXX. The newest correspondence shows that my payments were not counted from XX/XX/XXXX through XX/XX/XXXX, these are the payments that I was informed that should quality and put my account over or at 120 qualifying payments.
Company Response: Closed with explanation

Timely Response

2019-02-27

Mattituck, NY

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2019-02-27

Beaverton, OR

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

2019-02-27

Nyc, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: XXXX is the worst company I have ever worked with. They ended my forebarence at the beginning of the year because they said I graduated or dropped out of school. I contacted letting them know neither of those were true and that I am still a full time student at my college. I have now contacted the twice with ZERO answer and they have taken money out of my bank account twice, overdrawing both times. They dont care about anyone. They ruin lives and I dont know what else to do. I cant keep paying XXXX a month to a company that wont listen to a word I say. Attached is a picture of my current school schedule proving Im a full time student.
Company Response: Closed with explanation

Timely Response

2019-02-27

Blossom Valley, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I submitted my Income-Based Repayment plan application on XX/XX/XXXX ( my deadline was XX/XX/XXXX ). On XX/XX/XXXX I received an email that my application couldn't be processed and that I would receive a letter detailing why. I was told I was in a pending status. On XX/XX/XXXX I received a vague letter in my XXXX XXXX inbox that either my current income couldn't be determined or the income documentation was more than 90 days old and that I should submit new documentation " within the next couple of days. '' Nowhere was it mentioned that my interest could capitalize. I realized that the documentation I had submitted was from XX/XX/XXXX ( so 10 days off from my submission date ) and submitted a new pay stub on XX/XX/XXXX ( in the " next couple of days '' as requested by XXXX ). I then randomly logged in to my account on XX/XX/XXXX and noticed that my interest had been capitalized on XX/XX/XXXX! I also noticed on XX/XX/XXXX that there was a letter in my inbox ( which I had NOT been notified of by email and would not have seen otherwise ) stating that " Since we did not receive your complete annual documentation, your new payment amount is not based on your income, '' even though I had submitted the correct documentation on XX/XX/XXXX. I called XXXX on XX/XX/XXXX ( since XX/XX/XXXX was a weekend ) and a request was placed to look into this. I called again on XX/XX/XXXX to check on status and was told that it may take 7-10 business days. They were able to finally process by IDR Request at that time. I called again on XX/XX/XXXX to check on the status and was told they were very busy and it may take up to 20 business days. I called again on XX/XX/XXXX and was told that the review of my case was completed on XX/XX/XXXX and they had denied my appeal to " de-capitalize '' my interest because I missed the deadline. Throughout the whole process I talked to multiple XXXX reps. Each person had a different answer for me. Some employees told me that interest can never be " de-capitalized, '' while others said that was not true. Several employees told me that it doesn't matter that the interested was capitalized since I was in PSLF and it wouldn't matter in the end ( I don't plan to use it ). While my initial income verification form was off by 10 days, this would have been easily fixable if XXXX would have processed my application in a timely manner ( before the XXXX deadline ). I submitted my new paperwork in a timely manner. I also find it egregious that the letter telling me my interest was capitalized stated that I hadn't completed my paperwork ( even though I had ) and it was NOT sent to my email inbox until XX/XX/XXXX. Additionally, besides employees giving me completely different information literally every time I call XXXX, they never provide any written confirmation of our conversations or a case number, so they rely on their completely inaccurate internal information ( i.e. gentleman on XX/XX/XXXX saying my review has closed on XXXX, when the person I spoke to on XX/XX/XXXX told me case was still open for review ).
Company Response: Closed with non-monetary relief

Timely Response

2019-02-27

Arlington, VA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I enrolled with XXXX XXXX for a year and I made payments every month but I just found out that none of my payments were going towards the loan. XXXX XXXX student loan forgiveness program made false promises that I could permanently reduce my XXXX monthly payments, they charged me illegal upfront fees. They also told me that my fees would go toward their student loan balances, which wasnt true.
Company Response: Closed with explanation

Timely Response

2019-02-27

Minto, ND

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: I received federal student loans to help pay for college tuition, The loans were in deferment until after I graduated. I had a credit score of XXXX at the end of 2017 and when I applied for an apartment I was informed my credit score had dropped into the 500 's. The reason was there are 8 Federal loans through XXXX XXXX XXXX XXXX that had been reported late for more than 4 months, The total amount of the loans is approximately {$46000.00}. I was never notified by XXXX XXXX when the loans came due for repayment. Once this was discovered, XXXX XXXX was contacted and the issue was resolved, or so I thought. Since I have contacted them, all payments have been on-time. I have disputed this with the credit bureaus as I feel I should not be penalized due to this situation. The disputes upheld the late payments. Student loan debt is hard enough, but to have it ruin my credit through no fault of mine in unacceptable.
Company Response: Closed with explanation

Timely Response

2019-02-27

San Diego, 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

2019-02-27

Ft Lauderdale, FL

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

2019-02-26

OR

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Upon reading XXXX XXXX resignation letter last XX/XX/XXXX ( the former student loan ombudsman at the Consumer Financial Protection Bureau ), I felt compelled to file a protest, detailing the financial and emotional abuse Ive endured since I decided to enroll in the Department of Educations Public Service Loan Forgiveness program. Even if this is nothing more than an exercise in futility or a whimper in the wilderness, I feel it would be a dereliction of my duty as both a consumer and a citizen if I didnt lodge an official complaint, to go on the record, because I have been harmed personally by the odious and improper student loan practices of the aforementioned PSLF program. Even more, to compound this grievance, I feel Ive been abandoned by the very same Bureau ( the CFPB ) that was created to serve as my advocate, and tasked by Congress to protect me from such blatant exploitation! After experiencing the aggravation firsthand, over the course of a few years ; after having to deal with the mandates of Public Service Loan Forgiveness program and, particularly, how this is interpreted by XXXX XXXX XXXX ( a contracted company the Department of Education has asked to handle the administration and customer service for its PSLF program ), I felt I could sit idly and silently no longer. The abbreviated version of events : I was recruited to work for a rural XXXX in XX/XX/XXXX ( XXXX XXXX XXXX in XXXX XXXX, XXXX ). Part of the recruiting pitch ( and part of the allure ) was that my student debt would be forgiven after ten years of service, if I came to work for them, being that they are a qualified county facility. In other words, if I came to work for them and continued to make my loan payments, whatever balance remained, so I was told, after ten years of service, then that remaining balance would be forgiven. What a recruiting pitch! This sounded great. I did some research into the Public Service Loan Forgiveness program, and sure enough if I worked for a public service-eligible XXXX ( which this was ) then my debt would be forgiven after 120 payments. So, with this lucrative perk in mind, I accepted the position to XXXX XXXX XXXX XXXX XXXX XXXX. I decided to relocate, dragging my family 1,800 miles across the country, moving from XXXX XXXX to the XXXX XXXX. I moved in XX/XX/XXXX, and started working the following month. It took from XX/XX/XXXX to XX/XX/XXXX to be placed into an eligible PSLF repayment program ( 12 months! ). Thats a whole year ; ten percent of the time I was supposed to be working in a qualified environment. For some reason, my spouses employment status prevented me from being put into an eligible program. Why would my husbands employment status be a deciding factor, delaying my enrollment? The program clearly states that I only need to be working at a qualified facility for a requisite length of time ( and be enrolled in a qualified repayment plan ). My husband was out of work when we applied, and this fact somehow disqualified me from consideration! Why? This was the first major red flag that something was amiss, and rotten in the state of XXXX. Again, I was hired by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ), to be their full-time XXXX XXXX, working 40 hours a week. I took this position based in part by the false promise of the PSLF program, believing that my student debt would be forgiven after ten years of service/payments I was working at a public service XXXX when I applied for PSLF ; my employer certified the necessary documents immediately. Still, I was denied because I was told they couldnt certify my husbands employer. I told them he was unemployed and nothing but crickets and denials. An entire year went by until I was placed in a PSLF qualified repayment plan. And, how did I finally get accepted? Lo and behold, when my husband was hired to work in XXXX, XXXX, at the end of XX/XX/XXXX then, suddenly, I was approved and enrolled into an eligible PSLF repayment program. HOWEVER, at this time, somehow the proverbial they decided to recalculate how much I would owe on a monthly basis. Based on some unknown algorithm, a figure that determines my households ability to repay, my monthly payments ballooned from {$340.00} a month to {$560.00}. This doesnt sound like a loan forgiveness plan It sounds like, OK let us re-amortize your loan, figure out what amount you need to pay to pay-off the loan in 120 payments, with the service provider grabbing their 33 % markup in profits ( off the interest ). This is a total bait and switch. Its actually mocking me when the PSLF uses the word forgiveness because there isnt a penny thats being forgiven. I am paying off the loan, in its entirety. The parameters are clear : Public Service Loan Forgiveness is a federal program that ( supposedly ) forgives federal student loans for borrowers who are employed full-time ( 30+ hours a week ) in an eligible federal, state, or local public service job. Where in this does it stipulate that your spouse must be working? Where does it state that the program will review your households annual income and then determine how much you owe, per month, based on your households financial vitality? Why does this matter? Why should it? The program was established to help certain facilities and regions attract talented candidates this is the spirit that led to the creation of the program. Its supposed to be an added benefit, not an aggravation! HOW IS IT THAT THIS IS CONSIDERED LOAN FORGIVENESS? In other words, heres what the actions of PSLF are stating loudly to me : Go work in public service and qualify for loan forgiveness and then pay nearly seventy thousand dollars on a XXXX XXXX dollar balance. And, to mock you, we will call this a loan forgiveness. This isnt forgiveness, this is merely paying off a loan in ten years! This is blatant bait-and-switch. This is fine print nonsense. There is no loan forgiveness being offered here. This is simply taking a 20-year loan repayment plan and changing it to a 10-year loan payment plan. I never would have moved halfway across the country, moved to a rural community, if I knew this was what the PSLF offered. This spits in the face of the idea of loan forgiveness and betrays the intent behind the creation of such a program to begin with. Again, I ask : how is this a reward for public service? For a more detailed explanation of my plight, allow me to expound on the particulars : My name is XXXX XXXX. I graduated, with degree, from the XXXX XXXX University XXXX program ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX. During my schooling, I amassed approximately {$46000.00} in student loan debt. ( This was a wise investment in my future, on my part, because XXXX is a fruitful career path with lots of job openings and opportunities ; According to a XXXX report from XXXX, the median annual income for an XXXX was nearly {$82000.00} ). Immediately after graduation, in XX/XX/XXXX, I began working as an XXXX for a XXXX, XXXX based XXXX -- XXXX XXXX XXXX XXXX. Then, six months later, I began to make my student debt payments, promptly, after my initial grace period expired. Initially, I enrolled in the 20-year plan. I did this to keep my payments as low as possible ( even though this repayment plan incurred the biggest interest cost ). I was fine with this, and with paying the enormous interest, because I knowingly entered into this obligation understanding the liability I was taking on. Like I wrote earlier, this was an investment in my future and it was worth it. Sure, I was perplexed to understand a system where the government would loan money to banks at zero percent interest rate, then those banks turn around and lend that money out at interest to students ( to encourage banks to lend money to students for education ). I mean, shouldnt the government simply loan money directly to students, so the government could earn the usury profits, and so students would receive the lowest interest rate possible )? Doesnt that make more sense, for a government of, by, and for the taxpaying people. From XX/XX/XXXX through XX/XX/XXXX, over the first 53 months paying back my student loans, I made every monthly payment. My payments were in the {$340.00} range. I paid approximately {$18000.00} over the course of these fifty-three payments ( of which only {$4200.00} went towards principal, and {$14000.00} going towards the interest ). I moved to XXXX in XX/XX/XXXX. I began working at my new position that XXXX. From XX/XX/XXXX through XX/XX/XXXX, for almost 6 months, I was attempting in vain to enroll in the Public Service Loan Forgiveness program. Even though I was eligible, and shouldve qualified without incident, I was denied about three times because there was an apparent issue with my husbands work. When we moved, my husband was no longer employed. He was working full-time in XXXX, at a XXXX XXXX, but when we moved to XXXX he didnt have employment ( other than XXXX XXXX work he did, for about 6K a year ). He wrote a letter and said as much, but we still couldnt qualify The PSLF program wouldnt approve my application because of some hiccup with my husband, which to this day I have no idea what the issue was. I was told they couldnt verify employment, even though I constantly told them that my husband wasnt employed ( at the time of my application ). Anyway, in XX/XX/XXXX, my loans were consolidated from XXXX to XXXX XXXX. Against my wishes, I was enrolled in a program that didnt qualify for the PSLF. My payment was about {$320.00}. I called for the umpteenth time Anyway, that XX/XX/XXXX my husband was hired by XXXX XXXX XXXX. And, would you believe, this was when the PSLF program finally approved my application. Now that my husband was working, for some particularly strange reason, the program accepted my application! Why would my husbands employment status determine my eligibility? So, after certifying my employment at XXXX XXXX XXXX, and calibrating what the PSLF deemed I was mandated to pay monthly, I was finally enrolled into the PSLF program in XX/XX/XXXX ( one year after I began the enrollment process ). And, guess what my payments were tallied at {$560.00} dollars a month! What a joke. How is it that this is considered loan forgiveness? In essence, 120 payments of {$560.00} comes to about {$67000.00}. When I consolidated my loans into this PSLF program, I owed {$46000.00}. This was more than my original loan amount ( because after 4.5 years of payments, most of my payments when towards paying the interest down ). So, when I accepted the job at a rural XXXX, and got excited when I heard about the PSLF perk, little did I know that loan forgiveness meant paying {$67000.00} over 120 payments to pay off the existing {$46000.00} balance. Changing the loan from a 20-year payment plan to a 10-year payment plan is not loan forgiveness. At the end of my 120 PSLF payments, altogether, going back to when I first began paying off my debt, I wouldve ended up paying {$85000.00} total in payments, from the time I made my first payment in XX/XX/XXXX. Nearly {$86000.00} dollars on a {$46000.00} loan! But, the part that aggravates me most, is the misleading fact that I enrolled in the PSLF program, owing just {$46000.00}, and the PSLF program upped my payments from {$340.00} to {$560.00}. In essence, the program demands that I pay about {$67000.00} over ten years, and has the gall to deem this loan forgiveness. In conclusion, contending with the deceitful fine-print and the legalistic tentacles of the program has weakened my faith and trust in the Department of Education in general ( and the student loan industry specifically ). The financial turmoil spawned by the false promise of the PSLF program has directly impacted my familys standard of living, while, on a more personal level, the emotional distress caused by the misleading PSLF propaganda has wreaked havoc on my gastrointestinal tract. Just the mere thought of the programs criminal bait- & -switch violations, no matter when the thought surfaces, irritates me beyond repair. What does this say about the student loan industry? When a GAO report discovers that 99 % of applications have been denied ( 29,000 applications denied! ), I worry about what will happen when I make my 120th payment. Im upset now, after only 30 payments ( only 1/4th of the way thru ) I dont trust the PSLF program, and Im already bracing myself for more trouble when I make my final ( 120th ) payment. I dont trust that the Department of Education will honor their pledge. To be frank, I have zero faith that the PSLF will live up to its obligation. If it took over a year to qualify and enroll in the PSLF repayment service, I fear what awaits for me down the line.
Company Response: Closed with explanation

Timely Response

2019-02-26

Santa Rosa, 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

2019-02-26

City Industry, CA

Credit monitoring or identity theft protection services

Student loan: Federal student loan servicing

Received unwanted marketing or advertising
Company Response: Closed with explanation

Timely Response

2019-02-26

Bellevue, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: My loans were discharged in bankruptcy and XXXX XXXX is continuing to change the amounts and will not honor my discharge paperwork. I sent them a faxed copy of my paperwork. My balance went from XXXX to XXXX dollars
Company Response: Closed with explanation

Timely Response

2019-02-26

Strasburg, VA

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

2019-02-26

Cheverly, MD

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XXXX XXXX On XX/XX/XXXX, I logged into my XXXX account online to pay off a small loan that had a balance of approximately {$3000.00}. I made two payments on XX/XX/XXXX that paid off the loan. On XX/XX/XXXX, I received a Paid in Full Notification for the loan. Additionally, on XX/XX/XXXX, I received a financial activity summary that reflected that the loan was paid in full. I then received a monthly bill dated XX/XX/XXXX, stating that I have a balance due of approximately {$13.00}. I called XXXX XXXX on XX/XX/XXXX, and spoke with account specialist XXXX # XXXX, and informed them that I had already paid off the loan and had received two notices also to that effect. XXXX told me that she would put this matter " in review ''. On XX/XX/XXXX, I also submitted via online & fax a letter with the notices from XX/XX/XXXX and XX/XX/XXXX asking that XXXX XXXX review the loan and stating that i had paid the loan in full. I have submitted in writing and called a number of times, and still have not received an answer about my loan. I paid it in full 2 years ago and I am still paying interest on the loan. It is ridiculous that I am getting misinformation and they will not correct the error. The fact that I can pay off a loan and then be told 1.5 years later that it wasn't paid is gross mismanagement and completely dishonest.
Company Response: Closed with explanation

Timely Response

2019-02-26

Fitchburg, WI

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Consolidated my loans upon graduation in XX/XX/XXXX, to Income-based-Repayment plan. Enrolled in Public Service Loan Forgiveness. Made years of payments, and was told I had only made 11 qualifying payments in XX/XX/XXXX. I challenged this over the phone four times, was told it took 90 days. Called in 90s days. Was told it takes 90 " business days. '' Called back. Was told " it just takes a while. '' It's now been almost 2 years, and no one will help me. I've made consistent, on-time payments for over 6 years, and my qualifying payments won't budge. No one will help me. No one is responsive. No one cares.
Company Response: Closed with explanation

Timely Response

2019-02-26

Oxford, GA

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: the account shows missing payments and delinquent. That is not the case. The Account is current and has been current.
Company Response: Closed with explanation

Timely Response

2019-02-26

Sacramento, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I received a XXXX for XX/XX/2017 reporting the wrong amount of interest : {$1300.00}. The actual interest I paid was : {$4700.00}. I tried to resolve this discrepancy with XXXX XXXX since XX/XX/2017.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-26

GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I am currently i repayment status on my Student Loans, I have been paying on time since XXXX with my last payment on XXXX XXXX. I made a payment on XXXX XXXX via the website and on XXXX XXXX, I received an email saying my payment was still due. I called the agency and spoke with a agent who confirmed that their system was not reflecting that I made a payment on the XXXX XXXX. I accepted his explanation and made another payment on the XXXX XXXX at XXXX XXXX EST via XXXX web page and received a payment confirmation number on the page and a confirmation email from the them as well. Today, XX/XX/XXXX, I received a email stating that my loan payment has not been paid and when I looked at my account it said my account is past due. I am not sure why their system is refusing my payment and I am afraid they are reporting my payments as late even though I made my payment on time.
Company Response: Closed with explanation

Timely Response

2019-02-26

Media, PA

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

2019-02-26

Oak Park, IL

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