AES-PHEAA

2018-12-27

Hon, HI

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

2018-12-27

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

2018-12-27

Alexandria, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have talked with XXXX XXXX for 3 months in regards to my payment plan selection and forbraence. One XX/XX/XXXX I made a {$5.00} payment to start processing my loan repayment I was to have my forbearance until XX/XX/XXXX.Today XX/XX/XXXX I received a text saying I was delinquent.1. My payment plan has not been processed. I have not received notification of that ( XX/XX/XXXX has stated that they did not send it to my paperless inbox but via mail- I opted to the paperless inbox ). 2. My forbearance was supposed to be until XX/XX/XXXX (XX/XX/XXXX stated they dont know why the forbarence lapsed for 10 days- they claim they were they were going to correct that ) I called multiple times about the bill I received on the XXXX, but every person I spoke with said that bill was created to begin processing my payment plan request. By using deduction 1. My payment plan request was supposed to automatically put my payment in forbarence 2. The lapse in 10 days was never noted to me.3. No one can tell me what happened. I want answers and I was given none. 4. I dont want my credit impacted by their error. I pay all of my bills on time and I trust, the American people trusted XXXX XXXX XXXX to ensure that payments and request are processed in decency and order.
Company Response: Closed with non-monetary relief

Timely Response

2018-12-27

NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have applied for Public Service Loan Forgiveness ( PSLF ) Program. I have been making payments since XX/XX/2015 with the understanding that I was making qualifying payments towards the 120 payments needed to forgive the loan. According to my account with the XXXX XXXX XXXX I have only made 7 qualifying payments. I believe this to be false. I have been paying my loan regularly and on time and feel I should be credited with at least 34 qualifying payments. The XXXX XXXX XXXX does not make it clear how many qualifying payments I have made. I have followed the protocol for re-certifying employment and an income driven repayment plan.
Company Response: Closed with explanation

Timely Response

2018-12-27

Long Beach, CA

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

2018-12-27

Lewisville, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: InXX/XX/XXXX, it was time for me to reapply for income-based repayment of my {$95000.00} of student loans. I am a XXXX XXXX XXXX, and my previous income-based repayment was $ XXXX/mo, which was a reasonable amount, considering I also have $ XXXX/mo I pay to XXXX. When my income-based repayment results came back in XX/XX/XXXX, for some reason the payment went from $ XXXX/mo to $ XXXX/mo, more than doubling though my income had not doubled. I contacted XXXX and was advised that my best course of action was to apply for a Revised Pay as you Earn plan and indicate I was looking for the lowest monthly payment possible. I did so in XX/XX/XXXX, and as a result, my payments were put into forbearance for the purpose of XXXX reviewing the paperwork and coming up with a new payment. I was told as long as I made my {$5.00} forbearance payments during that time they would get back to me with a revised monthly amount and my account wouldn't be considered delinquent or in default. While I was waiting to hear back the status of my income-based repayment request, I got a message saying that my $ XXXX monthly payment would be directly debited from my account on XX/XX/XXXX. I immediately called XXXX who canceled the direct debit but did not deal with the root of the issue which was that my income-based repayment hadn't yet been reviewed, revised, or decided, and the {$1000.00} payment should be canceled. It turns out that between XX/XX/XXXX and XX/XX/XXXX, my application for Revised Pay as you Earn had not been reviewed or processed, which is why my full payment was being due XX/XX/XXXX. I was unaware that the review process was not taking place during this span of months. When I called and informed XXXX that I was still waiting to get my new income-based repayment amount and that I needed them to cancel the due date, that the due date was coming up because they had failed to finish their review in time, it was indicated I had made my {$5.00} forbearance payment and the person on the phone was not sure why the payment due date had been issued since I had made my forbearance payment and, essentially, it was their mistake, but that she could not fix it. I was also told at this time to just not make the XX/XX/XXXX payment and let the account go delinquent, that it would only be delinquent for up to 60 days but it wouldn't be considered in default until after 90 days. I don't accept my account that has always been in good standing being considered delinquent and default based on a mistake that XXXX made and that they should fix. I have been calling them every week and the issue hasn't been resolved. The payment is still showing as due on XX/XX/XXXX. That payment is more than 20 % of my gross monthly income, not taking into consideration housing and childcare costs, so there is no way I can make that payment. I qualify for forbearance based on the math, so I applied for the forbearance of the XX/XX/XXXX payment, since XXXX won't stop the payment being due although it was a result of their mistake. That process hasn't gone through yet either. I just checked my account and though I uploaded the required income paperwork to that application when I applied for it on XX/XX/XXXX, the online account said I still needed to upload the paperwork, so I did, again, today, XX/XX/XXXX. In the interim between XX/XX/XXXX and XX/XX/XXXX of this year, my family situation changed and I went from married to separated from my spouse, so I reapplied for an income-based repayment based on the new circumstances on XX/XX/XXXX, but that application is on hold due to a canceled consolidation application. I understand my case is complicated, but the first complication came when XXXX did not review and resolve the original Revised Pay as you Earn application completed in XX/XX/XXXX, and it is for this reason the {$1000.00} payment is due XX/XX/XXXX that I can not make. Now that I am a single parent I am looking for housing for myself and my child, and it is simply not an option that my account should be considered delinquent or in default because of a mistake that XXXX made, potentially destroying my credit and making an already strained situation more impossible.
Company Response: Closed with non-monetary relief

Timely Response

2018-12-27

E Town, KY

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-12-27

Seattle, WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: In brief, my deferment status for federal loans was wrongly changed and my loans were then due. Over the phone, XXXX assured me that this was resolved and the loan status was returned to deferment. With this false assurance, I let the payment due date pass by and XXXX is reporting me to all nationwide consumer reporting agencies. XXXX has been unresponsive to written requests and in a recent call, provided no assurance that credit reporting would cease. Below are relevant dates and actions. I have been enrolled in school - year-round, full-time - since XX/XX/XXXX. As of XX/XX/XXXX, I completed my coursework, yet am now still enrolled for enough supervision hours to be considered full-time. On XX/XX/XXXX, I received an email from XXXX stating that my school had notified XXXX that I was enrolled. On XX/XX/XXXX, I received an email from XXXX informing me that my loan repayment was to begin on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX to inquire why I was being billed even though my enrollment status had not changed. At the conclusion of the call, I was assured that the status of my loans were all going to be in deferment status and that no further action was required on my part. On XX/XX/XXXX, I received an email from XXXX informing me that my payment was past due. On three occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I contacted XXXX through their website form, which does not allow me to retain a record of the emails sent. However, I can paraphrase my request to XXXX : resume deferment status and cease credit reporting. On XX/XX/XXXX, I called XXXX. I was told to apply for deferment, a process which will be extended past the next loan repayment due date on account of the school registrar office being out for holidays. Additionally, there was no resolution regarding the credit reporting activities. To add insult to injury, I received an email informing me that my phone call had resolved the concerns stated in my emails and that my account status would be reported to each nationwide consumer reporting agency.
Company Response: Closed with explanation

Timely Response

2018-12-27

Mount Holly, OH

Incorrect information on your report

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

Account status incorrect
Complaint: Both American Education Services and XXXX are reporting student loans as being past due on my credit report and they have remained inactive for over 7 years. The state of Ohio prohibits reporting on credit report on debt that is over 6 years of age ... These accounts are in a defaulted status. It has prevented me from buying a house and has caused serious financial stress and issues ... When I asked how they can still be reporting this very old debt their answer was to report them to the CFPB
Company Response: Closed with non-monetary relief

Timely Response

2018-12-27

OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XXXX XXXX XXXX who handles the Public Service Loan Forgiveness program ignored 6 years of service, because they told us we did not choose the correct loan. During those six years they never communicated that we needed to switch the loan to qualify. Instead they left us to assume that we participating in the loan forgiveness program. Payments starting in XXXX should have qualified for student loan forgiveness and instead we have been left to pay the full amount. They deceive borrowers who have limited understanding on how the forgiveness plan works due to the complicated bureaucracy of paper work, multiple websites, and requirements. We will now be making payments in till XXXX instead of XXXX, the additional 7 years of payments will significantly hurt our family 's financial security. Why are people who work in service of others being treated so poorly by their own government?
Company Response: Closed with explanation

Timely Response

2018-12-27

Archers Lodge, NC

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

2018-12-27

Odell, OR

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Complaint: Hello, My loans are currently with XXXX XXXX. In XX/XX/2018 I applied for loan discharge due to a school closure. After submitting my application for this I received a letter ( see attached ) dated XX/XX/2018 stating that I meet the criteria for discharge of my loans and that my request has been forwarded to the U.S. Department of Educations Office and that I would be contacted regarding their decision. I proceeded to wait the entire summer without an update regarding this. During this time, I spent countless amounts of time on the phone with various departments with the Department of Education who maintained that XXXX XXXX would make the decision regarding discharge of my loans. Also, during this time, I contacted XXXX XXXX on multiple occasions with this information and they maintained that a decision would need to be made by the Department of Education and to be patient. During this time my loans were in administration forbearance. On approximately XX/XX/XXXX I again contact XXXX XXXX by phone. On this date I was informed by the representative that in fact a partial amount of my loans had been approved for discharge. The total amount of discharge was approximately {$8000.00} ( {$5000.00} on one loan and {$3000.00} on another ). Essentially the difference between the original amount and the current principal balance. I maintained this was not correct but she was only stating the difference between the original loan amount and the current principal balance. The representative could not explain this to me but instead only stated a special letter would be sent to be explaining everything and where this discharge amount of approximately {$8000.00} was applied. To date I have yet to receive this special letter. I am asking for assistance regarding this matter. Thank you,
Company Response: Closed with explanation

Timely Response

2018-12-26

San Diego, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I originally borrowed close to {$50000.00} for graduate school. At the time, I borrowed from XXXX XXXX at the time a reasonable interest rate of 4 %. During the period of two years the rate was consistent, but then was transferred sold to a XXXX bank and had ballooned to 9 %. Now, I owe close to {$400000.00} since 1997. I have never been able to pay the monthly payment and have since enrolled in an IBR. I have also applied for the Public loan forgiveness program in Hope 's of salvaging some sort of life with this debt. I was never made a ware the loan could reach such heights with the end result of all that investment leading to a trap. It's unfortunate everyone is vulnerable to such bad lending practices. Please help us.
Company Response: Closed with explanation

Timely Response

2018-12-26

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: My original loan servicer ( XXXX ) closed, they didn't notify me of the closure, I was still paying on my loans through them. I filed taxes in XXXX and my taxes were offset, this is when I found out about XXXX closure. XXXX is reporting me 18 payments late, 'current status ' as 120+ days past due. XX/XX/XXXX they reported account as " okay '' XX/XX/XXXX they reported account as " 90 days past due '' I have sent disputes, tried calling, tried everything. This is stopping me from getting a home. can ANYONE help?
Company Response: Closed with explanation

Timely Response

2018-12-25

Louisville, KY

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

2018-12-25

Columbus, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: The information shows that the account is placed as a in collection or charged off. This information is very inaccurate because I was considered XXXX XXXX XXXX XXXX XXXX XXXX by the Veterans Affairs. I did all the required documents so it was placed as a loan forgiveness.
Company Response: Closed with explanation

Timely Response

2018-12-24

Harsens Is, MI

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Complaint: Back in XX/XX/XXXX of this year, I submitted in application for co-signer removal of the student loan. I have provided sufficient documents they wanted and have not heard back from them. I am always on time paying this loan and have been paying for it for the past ten years. All I asked is to remove the co-signers name and called multiple times to American Education Services to see updates. They kept telling we haven't heard from them yet. They submitted my application twice and still no response. Then actual lender is XXXX XXXX XXXX ( XXXX ).
Company Response: Closed with explanation

Timely Response

2018-12-24

Lynbrook, NY

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

2018-12-23

Hagan, GA

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: XXXX XXXX ( Several accounts in my name that are negative ) I challenge the accuracy, compliance and reportability of this listing. no valid claims ... accounts were settled with my assistance provider and I was informed that no late fees would be reported because of their delays and system issues with processing my aid ... grave errorsfalse claims and reportingI want these accounts rectified immediately or litigation may follow. You can not report late payments that are incorrectthis is unlawful You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. I have previously disputed the above-mentioned student loan payment history. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, you are in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. The advisory opinion goes on to state that the 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 promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. 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. This duty extends to 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 even if the loan was correctly reported as delinquent, but has subsequently been paid.
Company Response: Closed with explanation

Timely Response

2018-12-23

Milwaukee, WI

Problem with a credit reporting company's investigation into an existing problem

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

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2018-12-23

Milwaukee, WI

Problem with a credit reporting company's investigation into an existing problem

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

Was not notified of investigation status or results
Complaint: I sent a certified letter to all three credit bureaus requesting them to investigate this closed account which has been closed since XX/XX/17. I asked for them to delete this closed account I also called them and it still is a hindrance on my credit report.This closed account has decreased my credit score, I'm having hardship in my life this closed account has caused me to be denied credit for housing etc. I sent the certified letters over 90 days ago and still nothing from them this violated the FCRA laws that makes the credit bureaus responsible to reply to consumers in a timely manner.
Company Response: Closed with explanation

Timely Response

2018-12-23

Briones, CA

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

2018-12-23

CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: Hello so I'm not sure if I filled out the correct boxes but were do I begin. I started XXXX College of XX/XX/2011 and left at spring break. The recruiter was trying hard for me to stay and was telling me financial stuff I didn't understand but I was already starting to hear bad rumors about the school so I quickly found another and jumped into XXXX College. During my enrollment they pulled up a screen and said sign here and here etc. This is for yur Grant 's for the year. As time passed I've noticed that when I'd asked questions about my student loans I'd get the run around. And one time I asked if I can have some of the money from my loan since I'm falling under hardship. They agreed and signed over a check in my name. A week or two passed and I was called to the office saying they messed up on calculations and I owe them money. I said how is that my fault? You guys do the paperwork I have no clue what you did. And so I was penalized by the school. Long story short after all this boost of saying we guarantee a job replacement when you graduate and doing mock interviews as one of our credited classes because they wanted us to be prepared for the real job interview. Before we graduated they told us when we had to pay back the student loans I think it was 3-6 mths later but not to worry because we will all have jobs in our degrees. Well after I found my own job as a on call XXXX XXXX at the hospitals is when I found out that the schools that I attended took out * 24 DIFFERENT STUDENT LOANS * in my name from different places. I had NO CLUE TILL I GOT THE LETTER IN THE MAIL. I owe {$30000.00}. I got them to consolidate 24 loans into 14. That was the best they can do since there was so many. They don't even know how it reached to that many. After hearing about what was going on with XXXX, XXXX was under fire as well. So instead of closing there doors all they did was rename their school to XXXX College which now is closing there doors as well. I've tried fighting and reasoning with XXXX XXXX about my case but they tell me because I make good money I should pay it back. It took me 2 yrs applying to a hospital here in California were my job title is XXXX XXXX. My role is to XXXX XXXX XXXX XXXX XXXX XXXX but my main role is to XXXX XXXX XXXX. My degree in college was XXXX XXXX. I'm the main income in my house. I take care of my mom, little sister, my XXXX yr old son and husband. My mom is on XXXX and only gets {$500.00} mth. The XXXX XXXX wants me to pay {$310.00} mth in which I can't afford because I'm only guaranteed 24hrs at my job and try to pick up 2 extra days. So tell me is it my fault on the colleges mistakes on 24 different student loans and because of that as well my credit score is not so good either but I'm doing my best to keep in good standings.
Company Response: Closed with explanation

Timely Response

2018-12-23

Humble, TX

Incorrect information on your report

Student loan: Private student loan

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-12-23

Chicago, IL

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: On XX/XX/2018 ( Time XXXX XXXX ). I XXXX XXXX, submitted an on line dispute to XXXX disputing XXXX XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017 of which should have been deferred per my conversation with the XXXX XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later. Per my conversation with 3 or more customer service agents this was not the Fed Student Loan intention. Per my conversation with the Credit Bureaus, I was informed that XXXX XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! Sincerely, XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response