GREAT LAKES
Consumer Complaints
There are over 1568 complaints on file for GREAT LAKES. Dated between 2019-12-12 and 2012-03-26.
Complaints Page 39
2017-05-14
Milan, IL
Communication tactics
Debt collection: Private student loan debt
Frequent or repeated calls
Complaint: I was contacted twice by Great Lakes Student L oans in XXXX XXXX XXXX . I can not remember the dates and times, but have contacted my company 's phone provider to provide these to me, along with the duration of the calls. I was told I would have this information soon, but have yet to receive it. On these events, I was asked to be identified by the caller, and they requested my social security number. On one phone call, I did provide my personal information, even though I told the woman on the phone that I do not provide personal information to non-solicited calls. I calmly and politely asked for her business 's mailing address. She refused to provide that information. I asked her repeatedly in a calm, patient manner, " what is the mailing address for your company? '' She instead began to berate me by telling me that I owed money to her company and she insinuated that she would deface me by contacting the references I provided on the loan. She refused to provide me her mailing address. After several minutes of her asking questions, and my insistence, she started to state her employer 's address. Then, as I was struggling to grab a writing utensil and piece of paper, she mistook the noise of the headset on my landline telephone to be noise or interference. This was a landline phone, of which there is extremely little noise or interference. At that point, she told me that she would no longer provide the address and promptly hung up the phone. She told me that if I would not take her seriously, she would hang up. I did not use profanity or attempt to upset the woman that called me. I simply asked for the mailing address. She refused to provide it. It is my understanding that any debt collector who is attempting to contact a customer by phone is required to provide a mailing address, if requested. I requested the mailing address, and the woman on the phone did not provide it. In fact, she took every possible measure in her power to not disclose it. She first evaded the request and also suggested to humiliate me and expose my financial issues to my references. Then she begrudgingly attempted to provide the information and found an excuse to end the conversation before providing it by telling my that the connection was not strong and took that excuse to end the conversation. On a another phone call from the same company, I answered the call, the woman greeted me and asked for personal information. I told her I could not provide my social security number or date of birth over the phone from unsolicited calls. I asked her for a call back number and she obliged. When I called the number and provided the extension she provided, I was connected and she asked for my name, and I provided it. She then asked for my personal information and then I asked her if I could record our conversation. She told me that she did not know if that would be allowed. I asked her if our conversation was already being recorded by her company. She informed me that it was. I asked her if those recordings were public record or could be requested, if asked. She told me she did not know if they could be requested and then put me on hold to speak with he r manager. Once we reconnected, she asked me to " have a nice day, sir '' and hung up the phone.
I have made two attempts for information on the debt that I owe and still have no mailing address to send letters requesting more information. I ha ve attempted to record these conversations and was denied. I do not understand what I have done wrong. What should be my next step?
Company Response: Closed with explanation
2017-05-14
NC
Threatened to contact someone or share information improperly
Debt collection: Federal student loan debt
Talked to a third-party about your debt
Complaint: Student loan reference # XXXX Principal : XXXX Interest : XXXX Collection Fees : XXXX Total Due : XXXX Violations of consumer rights : 1 ) Inv asion of privacy by using social media accounts to identify persons and organizations connected to the debtor, an d 2 ) I ndependently contacting those persons and organizations, requesting private information about debtor and the organizations. XXXX ) Threatening to continue sending debt collection related communications to 3rd parties that are not employers or relevant collection targets. Statu te : 15 U.S. Code 1692b - Acquisition of location information. Statute : 15 U.S. Code 1692c - Communication in connection with debt collection. These XXXX behaviors are a direct threat to the debtors ability to professionally network and move towards viable employment. [ BEGIN COMPLAINT ] My student loan, serviced by " Great Lakes Higher Education Guaranty Corporation '' is in default due to an inability to make regular payments, due to challenges related to homelessness and unemployment. On Monday, XXXX XXXX , the apparent collections agency, " XXXX XXXX XXXX XXXX '', contacted at least XXXX organizations that I have been engaged with in the last 8 months. In their communications, they identified themselves as a law firm requesting employment verification. They asked each organization for information not related to me, such as EIN and information about the organization 's whereabout s. One of t he organizations is a nonprofit organization I volunteer for, the other a company that I have taken sporadic interim projects for as a contractor. Neither organization employed me. I have not been employed since XXXX XXXX , XXXX . I notified XXXX . XXXX XXXX XXXX that they were violating my privacy and my rights pursuant to the FDCPA. In response, I received a secure email from XXXX . XXXX asking if I would communicate with " XXXX XXXX or another representative ''. I replied the same day that I would be happy to speak with anyone other than XXXX XXXX , who is the collections agent that invaded my privacy to begin with by contacting organizations listed in my XXXX profile, and as long as I would not be inappropriately threatened. I received no response to my offer to communicate. Then on XXXX XXXX , XXXX , I received a letter from XXXX . XXXX stating that they would commence wage withholding from my " employer '', listing the company that most recently contracted me on an interim consulting project. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX issued a " Notice Prior To Wage Whithholding '' that lists, despite knowledge to the contrary, a company that does not employ me as my employer. The contents of this notice are standard and legally binding, however the persistence in communicating with a third party that is not my employer with a debt-related communication ( in this place a wage garnishment letter ) constitutes ongoing harassment and a 2nd communication, specifically violating rules associated with 3rd party communications as stated in 15 U.S. Code 1692c of the FDCPA. Furthermore the situation is aggravated by a failure on the part of XXXX . XXXX XXXX XXXX to respect the communicated issues related to this debt : 1 ) That I have been discharged from employment in the last 12 months 2 ) That I was legally homeless in the last 12 months and own no assets including vehicle 3 ) T hat I would be willing to make a smaller payment, but not sign into a legally binding payment agreement while unable to certify regular income 4 ) That I have been denied unemployment benefits by the State of North Carolina and have evidence of this denial Since XXXX of XXXX , when I was terminated by my last employer, I have been working odd jobs and contract work while seeking employment again. By using social media to identify organizations I have volunteered for and completed interim contract work for, and then repeatedly contacting those organizations knowing that neither is an employer, XXXX . XXXX XXXX XXXX has violated my rights as a citizen and I ask that they halt this activity immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-13
Odell, OR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: XXXX XXXX XXXX : I finished my 9 month student loan re-habilitation to get out of default and my loan was transferred to Great Lakes. XXXX XXXX XXXX : I setup a {$1 60.00} monthly auto-pay through Great Lakes at mygreatlakes.org for the XXXX of every month. I make a {$160.00} paymen t ( not a uto-pay ). XXXX XXXX XXXX : I receive notification my XX/XX/XXXX payment did not go through due to " invalid routing number '' they say. I contacted support and they re-entered all of my banking information. Support says its fixed, but my XXXX payment is never processed. XXXX XXXX XXXX : I receive a notification I am enrolled in auto-pay for {$160.00} and my next payment will be withdrawn on XX/XX/XXXX XXXX XXXX XXXX : My first auto-pay for {$160.00} is processed successfully. XXXX XXXX XXXX : I receive confirmation my next auto-pay will be XX/XX/XXXX XXXX XXXX XXXX : My second auto-pay for {$160.00} is processed successfully. XXXX XXXX XXXX : I receive confirmation my next auto-pay will be XXXX XXXX XXXX XXXX : No auto-pay is made, and I am not aware of this until I check my account statements in XXXX . XXXX XXXX XXXX : They withdraw {$69.00} for an auto-pay on a date I did not schedule, and an amount I did not authorize. -- -- I am going to make an attempt to correct this with their support on Monday, but I feel this is a pretty grievous mess-up on their part and am very concerned my loan status could be affected by their mistakes. I also feel like they are doing this on purpose so that now I have to pay more interest ...
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-11
OH
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 not writing to dispute the accuracy of the way my loan or the payments of the loan have been calculated, rather the appalling results of how the account 100 % benefits the lender and leaving the consumer ( me ) treated extremely unfairly. Below is an explanation of why I feel this way. I finished my school education in XXXX and shortly after consolidated my student loans with Great Lakes Borrower Services. At that time my balance was {$68000.00} and today ( nearly 12 years later ) my balance is {$76000.00}. You would think I have not made any payments and the result of that is fees Etc. increasing my total loan amount, but that is far from the case. My first few years out of college I did struggle to find a decent paying job that would allow me to make payments on my account but I did what I could and asked for deferments when I knew I just could not make the payments. I asked for assistance on the loan amount, but none was ever offered nor provided so I would have to defer my payments until I felt I could start paying again. At times I would pay small amounts just to make some sort of payment. Whenever I came into a bit of money I would try and make larger payments to also reduce the loan amount. I finally was able to get on my feet and start working a decent paying steady job and making my payments every single month so here is my main complaint. I have not paid very close attention to my loan balance since I knew I had to pay on it a while, but recently looked at what I currently owe and I about had a XXXX XXXX . Over the course of my loan I have paid {$31000.00}, but STILL ow e {$76000.00} on a {$68000.00} loan! Seriously! I did some research on my account and notice that out of the {$31000.00} only {$1700.00} has gone towards my principle! Also, during the time I kept expressing concerns about not working and trying so very hard to pay what I could I was hit with thousands in interest charges! So somehow I have paid bac k ~45 % of my loan, but still owe ~110 % of the loan! How is this even legal? At this point I am not even sure paying the loan is worth it or even an option since the more I pay the more I owe. I understand the concept of borrowing and paying interest, but the way this whole thing has worked out it seems like this is taking advantage of consumers not only when they are at their worst, but also at their best. At a minimum I would hope that the institution would waive the {$9500.00} of interest charges they hit me with while I was struggling to work and asking for assistance. I thank you for your time in reviewing my complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-10
Shindler, SD
Threatened to contact someone or share information improperly
Debt collection: Federal student loan debt
Talked to a third-party about your debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-10
Detroit, MI
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-09
Palos Park, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have been in REPAYE ( or something similar for years ). The last two years, Great Lakes Borrowing service has failed to re-enroll me timely in those programs. This despite me providing all necessary information ahead of any deadline ( this year, it waXXXX XXXX XXXX 2017 ).
This year, on or about XXXX XXXX, 2017, I provided my wife 's changed income as well as notice that she would no longer be employed in XX/XX/XXXX. I did this in order to complete my renewal request. At the request of Great lakes, on or around XXXX XXXX, 2017, I provided more documentation to support my income. They confirmed receipt of this documentation, which I also uploaded to their website. Despite my timely application and submission of documentation as requested, Great Lakes is now telling me over 2600 per month is due ; well beyond what should be due under the REPAYE program ( and significantly higher than the 400 or so dollars i was required to pay last year, when making MORE money. Again, my wife is no longer working AND we are also expecting a child / another dependent ). Great Lakes has caused anxiety and distress due to their poor handling of my debt and debt issue. I would like any and all information regarding recourse available please. May i file suit through the CFPB? NOTE 1 : having to put my loans in forbearance costs me money. and I believe I also lose the forbearance option after so much time. Concerning, if I really needed it.
NOTE 2 : Last year, on or around XX/XX/XXXXor XX/XX/XXXX 2017, the same issue occurred.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-09
MI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: 1. Wh en I make a payment it takes several days for it to process. 2. By the time it processes, several days of interest have accumulated against the balance the loan was at before the payment was supposed to have posted. 3. G reat Lakes claims to apply my payments to the highest interest earning loan, however, behind the scenes they apply my loans evenly to different tokens, distributing the payment between subsidized and unsubsidized loans. Now, I am enrolled in school part time and eligible for deferment. Had they applied my automatic payments to my unsubsidized loans they would have been gone, now they will accrue interest while I am in school. 4. We are allowed to allocate extra payments how we like but we are not allowed to allocate automatic payments. We have to use automatic payments to save the quarter percent in interest but in doing so we cost ourselves money by giving up the right to allocate to unsubsidized loans.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-08
Nyc, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I make my monthly payments on time to Great Lakes, however when I make my extra payments, Great Lakes misapplys these payments. They did this to me 2 times. I made 2 extra pa yments of {$50.00} dollars toward XXXX XXXX on XXXX and XXXX . Both payments got misapplied even though I provided Great Lakes with instructions in a certified letter on how to apply the payments.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-08
KS
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: Student loans were paid ahead for several months ( See below ). Great Lakes refuses to apply the loan payments to the principal loan amounts. We have called and written to no avail. Last year these loans were paid {$6000.00} ahead, but they continue to only apply these to the interest. We have quit paying on the loans since last year since it does no good. Will attach loan statements showing amounts paid ahead and that " Total Amount Due is {$0.00} ''. The only thing that appears feasible is to just default on the loans. This is our last hope. We have been paying on these loans for 10 years. Original loan amounts were {$5000.00} on XXXX and {$10000.00} on XXXX totaling XXXX . Current combined loan balances is {$13000.00}. We are beyond angry and frustrated. This appears to be fraud at its best and stealing at its worst. As you can see from the below records, the payments totaled {$5400.00} for just the last quarter of last year and the first quarter of this year. PLEASE HELP US! Loans : XXXX XXXX XX/XX/XXXX {$440.00} paid ahead XXXX {$980.00} paid ahead XX/XX/XXXX {$500.00} paid ahead XX/XX/XXXX {$1000.00} paid ahead XX/XX/XXXX {$440.00} paid ahead XXXX {$880.00} paid ahead XXXX {$380.00} paid ahead XXXX {$310.00} paid ahead XXXX {$250.00} paid ahead XXXX {$190.00} paid ahead
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-05
Columbus, OH
Dealing with your lender or servicer
Student loan: Private student loan
Need information about your loan balance or loan terms
Complaint: On XXXX / XXXX / XXXX , I contacted Great lake s Borrowing Service to discuss concerns regarding how interest is being applied to my student loans. I have XXXX loans serviced by Great Lakes s Borrowing Service. XXXX balance is at {$20000.00} and the other is a balance of {$9300.00}. My total payment is {$270.00}. I had recently started making a small increase in my payment to {$300.00}. Over the course of 8 payments at {$300.00}, I noticed that my interest was not decreasing, but increasing. When I called to discuss my concern, it was n't until the operator looked further into the matter, when he discovered that my loan was an Adjustable Rate loan. This news was concerning to hear, because I looked on their website for information regarding my interest rate, and there is no information regarding my rate was adjustable. I requested to speak with a supervisor, and the supervisor told me that I should look to my master promissory note for full disclosure. The supervisor said he would make note of my request because he too thought that this information should be listed on the site. My issue is that I had no idea that my loan was an adjustable rate, and I was hardly getting no where with the balance. Please help, I believe that Great Lakes withheld important information regarding my loan being an adjustable rate on their website. Nothing on their website shows when and how the rate adjusts.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-04
FL
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 have student loans and they were defaulted because of a car wreck I was in. My family and I were XXXX XXXX XXXX XXXX XXXX , resulting in a death of a family m ember. Upon getting my life back together, I completed t he rehabilitation program and pai d 9 consecutive payments on time for 9 mont hs. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are XXXX loans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are 3 times as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam. I will be consulting an attorney and reaching out to media outlets if this is not fixed..
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-05-03
Eldorado, WI
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I am a consumer credit XXXX working with people with student loans. We currently have two clients we are working with who are being garnished for Federal Student Loans. On the studentloan.gov website, it clearly states that defaulted loans can be consolidated as long as they are placed into an income driven repayment plan. Two former students that we are working with to get their defaulted student loans consolidated were declined by Great Lakes, even though they requested the Income Driven Repayment. Their only options that Great Lakes gave them were not affordable. If defaulted loans can go into a consolidation loan, how does Great Lakes have the authority to deny them? We need clarification on this.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-03
Brooklyn Center, MN
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: Due to my financial burden I would like to maintain my rate of payment for the next year.
Company Response: Closed with explanation
2017-05-02
Eldorado, WI
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I am working with XXXX , XXXX XXXX and XXXX XXXX XXXX XXXX to help me with my debt management. We applied for student loan consolidation, including loans defaulted and in collections. They consolidated several but it appears that the ones that are in collections were not rolled into the consolidation. I am making a genuine effort to repay these loans and clean up my credit rating but there is over XXXX a month being garnished from my wages, which I am unable to afford and meet my other obligations. My debt counselors and myself feel that these defaulted loans should have been included in the re-consolidation to help me get a fresh start. I would greatly appreciate any assistance you could provide.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-02
Charlotte, NC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-02
MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I have negative marks showing up on my credit report for a student loan that should NOT be, but rather a XXXX benefit that was apparently processed INCORRECTLY. When I applied for classes in approx. XXXX XXXX , I used my XXXX XXXX XXXX benefit to cover all costs, with 0 bal ance due. After later receiving some suspicious emails regarding a student loan due, I called the college several months ago to check my status, which they said is good, as I am now a XXXX XXXX preparing to use further benefits for my education. My prior attempts to get more information through the suspicious email were unsuccessful, so the college agreed it appeared to be scammers. I am wondering if I need to contact the XXXX human resources again, to check and see how this could happen. Any assistance is greatly appreciated!
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-05-01
Centralia, WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-04-30
MA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: XXXX XXXX University has taken last year and this year state tax refund of XXXX and XXXX for paying amount of $ 1,000.00+. B ecause I called them couple of years ago to let them know that I can pay them at least {$50.00} a month. But they brought me to collections in which I wrote them a letter explaining my situation. And then I did not hear from the collections people at all. And then I received a notice that my state refund went to XXXX XXXX University. I did not receive any notice or letter from XXXX XXXX University that they were going to take money from me!! Also I was charged an extra fee for collections services!! That is why I have to pay over {$1000.00} for the amount!! I have spoken to XXXX XXXX University about taking my {$600.00} refund this year and they sent me by ema il 5 lette rs that I did not receive. What happen to collections helping with paying the amount? How much do I still owe XXXX XXXX University?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-04-30
NC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: I consolidated my student loans in XXXX XXXX . I began repaying my loans in XXXX XXXX . I understand that my payments will apply only to interest until my interest balance is XXXX and then they will apply to principal. The payment history page of XXXX XXXX 's website does not show how change in my interest balance. The payment history shows the date of payment, my total payment, how much of my payment was applied to interest/principal, and then my total principal balance. There is no column to display total interest balance, which would show my interest total decreasing as I make my monthly payments. I have searched the website and the only place where I can see my total interest balance is on the home page, but there is no history option to show me what the interest was before I made my payments, and how the balance has decreased each month. This is disconcerting because, just by looking at the payment history, it is impossible to see how my monthly payments are affecting my overall balance. Great Lakes should include an interest balance column of the payment history chart to clearly show how my payments are applying to interest over time. Otherwise, there is no way for me to verify that my payments are applying correctly and instead I have to just rely that my payments are properly being applied to my interest balance.
Company Response: Closed with explanation
2017-04-29
Arco, CA
Improper use of your report
Student loan: Federal student loan servicing
Reporting company used your report improperly
Complaint: I recently saw the director on XXXX XXXX and it gave me the motivation to state my experience. Here it goes. I graduated with a XXXX and went into a XXXX XXXX / XXXX XXXX under a paid grant service agreement because I 'm working in XXXX XXXX .I h ave to work for 2 years for every year I went to school ( not sure if this is I had a loan during my XXXX , but still was in school so it was in forbea rance. Stafford Loan, OWED Current Principle : XXXX Current Accrued Interest : {$1700.00} Total Balance : {$56000.00} Estimated Interest Accuring Monthly : XXXX Estimated Accrued Interest when your forbearance ends : XXXX ( Whoa!!!!, I just realized that they are taking advantage of me. ) Finished my XXXX XXXX . in XXXX XXXX and finished my units for my XXXX XXXX , but still need to complete my units. Technically, I have 5 years to complete my thesis under my agreement. I 'm just finishing my second year of XXXX as a XXXX XXXX XXXX In XX/XX/XXXX , I received a call from GREAT LAKES EDUCATIONAL LOAN SERVICES, INC. They let m e know that I have n't paid my loan for 3 months. I did n't receive a letter in the mail notifying that I owed anything. They said they have been emailing me at an old XXXX account. I got no letter, no phone call, I feel, until it was too late. When I did finally talk to them, I let them know what was going on and they approved my request for forbearance until XX/XX/XXXX . Meanwhile, I needed to move and get a new car because my car got totaled and ran my credit which is considered very poor, making my quality of life very hard. Plus, I 'm an XXXX XXXX and needs a car to travel to my XXXX schools to provide service to my XXXX . Everything became very overwhelming and un-affordable. I called Great Lakes after my credit check to ask them to help me fix my credit score issue because I needed a car. They told me there was nothing they could do because I did n't make a payment for 3 months. I begged talked to supervisor 's, no compassion. I feel hopeless because I want to move, but I ca n't because no one will accept me without a cosigner or high interest rates. Please help, not sure if this situation qualifies for your services. Thank you for all you do and giving people a voice.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-04-29
Flushing, NY
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-04-28
Frenchville, PA
Dealing with your lender or servicer
Student loan: Private student loan
Don't agree with the fees charged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-04-27
Discovery Bay, CA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't temporarily delay making payments
Complaint: On XXXX XXXX , 2017 I submitted an application for " Closed School Discharge '' and an application for " Attestation for XXXX XXXX XXXX Students Application for XXXX XXXX to Repayment Loan Discharge '' via certified mail. In the XXXX to Repayment application I selected the option to place my loans in forbearance while the application was being processed. I have not heard anything from the Department of Education in response to my applications. On XXXX XXXX , 2017 I was notified that my federal tax return was being offset {$1300.00} for these loans. I do not believe that this offset was proper, as my applications and my request for forbearance pursuant to Department of Education policy were submitted well before this. This is greatly upsetting, as I was first misled by XXXX , and now feel misled by the Department of Education.
Company Response: Closed with explanation
2017-04-27
Syracuse, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: XXXX , Dept of Ed/ XXXX , XXXX Univ XXXX XXXX , and XXXX XXXX XXXX have been on my r eport original report for 7 years and according to the Fair Credit Report Act negative reports legally need to be removed, but XXXX , XXXX and XXXX have illegally manipulated the original 7 years to make it like it was n't as long so that my information would remain on my credit report illegally and fraudulently. The credit reports need to remove all the student loans from my account because it has been 7 years since they were reported since 2010. They also doubled up on all my loans to make it look like I have double the loans that I have and it is fraudulent illegal information that needs to be removed but they wo n't do their job. Also there have been missed payments since 2010 and they put letters in later that are not clear that do not make sense since I did not pay anything 2010 u ntil recently I consolidated my loan with XXXX XXXX XXXX . Also the missed payments keep changing first they were 3 months and then keep increasing every time I ask questions illegally. The credit reports state " Worst Credit Ever '' and it is not true all loans were consolidated last year in excellent credit by XXXX and Consolidated by XXXX XXXX XXXX in excellent credit. The credit reports state derogatory, negative and delinquent accounts which is not true at all they were all deferred payments and never missed payments they were missed deferment payments. XXXX stated that they did mention I had excellent credit which is a total lie because there is nothing on my credit report stating excellent credit ( see attached ). The credit reports state negative which has my credit report so bad that it has made me live in situations that were very unsafe and unfair. The student loans need to be deleted after 7 years of fraudulent incorrect manipulated information as soon as possible. ( see attached XXXX XXXX XXXX p aid off all loans in excellent conditio n ) ( See XXXX XXXX XXXX lette r states excellent condition of student loans but excellent credit status for student loans is not on my credit reports anymore with student loans )
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation