GREAT LAKES

2016-07-12

Seneca, SC

Disclosure verification of debt

Debt collection: Federal student loan

Right to dispute notice not received
Complaint: XX/XX/XXXX, XX/XX/XXXX, they said I had a zero balance on my student loans because of proof of a XXXX. Every year they open it back up again after I sent them medical proof and my social security XXXX proof of XXXX. I am suppose to have a XXXX balance on all of my student loans.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-12

Mountain View, OK

Cont'd attempts collect debt not owed

Debt collection: Federal student loan

Debt is not mine
Complaint: I was a victim of battery, discrimination, and fraud by faculty at the University XXXX Oklahoma XXXX XXXX XXXX XXXX XXXX XXXX at the end of my XXXX year in 2015. Also, XXXX faculty member told me he would wrap me up in a blanket and beat me at some point in the future. According to my Federal Student Loan Master Promissory Notes all of my Federal Student Loans should be immediately discharged when I am a victim of a crime. Currently, the XXXX XXXX XXXX XXXX, Great Lakes XXXX XXXX XXXX, has given my XXXXCredit Bureau " bad '' information by saying I am late in making payments on Federal Student Loans. On another note, I can not get a job today, since I have been unemployed for over nine years, preparing to be XXXX in school, and do not have a XXXX to practice as a XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-07-08

Coldstream, KY

Can't repay my loan

Student loan: Federal student loan servicing

Can't get flexible payment options
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-08

Lagrange, GA

Can't repay my loan

Student loan: Non-federal student loan

Can't temporarily postpone payments
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-07

San Francisco, CA

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are handled
Complaint: I received a student loan from FAFSA which was serviced by Great Lakes. I attended XXXX XXXX and it went out of business before I received my degree and the job that they promised. I am in debt of about {$45000.00} in student loan debt. I submitted an attestation for XXXX XXXX XXXX Students around XXXX XXXX. I contacted the Dept. of Education and they said to resend the application which I did. I am in forbearance until XXXX XXXX. I need to find out the status of my application. I have contacted the Department of Education and just get a series of taperecorded messages. I need help in finding out the status of my student loan being discharged. The Dept of Education said they would assist people in my situation to get their student loans discharged. I am just getting a runaround. I need a reply before my forebearance is over.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-07

Rncho Domingz, CA

Disclosure verification of debt

Debt collection: Federal student loan

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-06

Agua Caliente, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-01

MD

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Received bad information about my loan
Complaint: Great Lakes is reporting to credit bureaus past due 120 days and it 's keeping me from getting a mortgage loan ( buying my home ) I have been paying on time since I have been employed ( I lost my job and could pay that 's what caused delinquency ) I requested in good will for the derogatory old remarks to be deleted. To date they report. Please help the loan is transferred/closed and I 'm paying through my fed loan servicing because I 'm now a federal employee
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-06-30

Key Biscayne, FL

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are handled
Complaint: The following federal student loan or tech grant was discharge XXXX/XXXX/11 any collection regarding this matter is not valet or true especially after this date XXXX/XXXX/11. I have attach letter from the Dept. of Education validating this information. Please remove any collection regarding this allegation of the student loan. If the student loan was paid and dismiss in 2011, any allegation of payment history after this date is a lied and Unreal. The entire student loan was paid in 2011. Forbearance Financial hardship, Illness was applied during the time XXXX was processing my application with forbearance, I was able to stop making payments or reduce my monthly payment for up to 12 months. Thank You
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-30

ME

Can't repay my loan

Student loan: Federal student loan servicing

Can't decrease my monthly payments
Complaint: Why are the interest rates so high to get an education in the US. I can not afford my base payment even though I make a good wage. The loans do not take into consideration life and the cost of taxes on your income. I am going to need to get a second job just to find a way to pay these. I appreciate the education. I should not even have my loans from 20 years ago because I went through the program through unemployment. but they never paid. XXXX me
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-29

River Forest, IL

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are handled
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-28

Far Rockaway, NY

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Having problems with customer service
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-28

Hartford, CT

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Need information about my balance/terms
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-28

Marshallton, DE

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-25

Farmingtn Hls, MI

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Having problems with customer service
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-06-24

Lexington, KY

Communication tactics

Debt collection: Federal student loan

Frequent or repeated calls
Complaint: I contacted before the default status settled in XXXX XXXX. And never has made any arrangement suitable. Relative importance may be XXXX XXXX XXXX and XXXX XXXX was the last job I held. I look forward to settling the default status and balance over the relative Iimportance of former XXXX XXXX owner XXXX XXXX. I was employed there from XXXX through XXXX and expect the same treatmentof {$5.00} payments for 10 mos or a XXXX time payment of {$50.00} to return to school.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-23

Ballwin, MO

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-22

Harsens Is, MI

Communication tactics

Debt collection: Payday loan

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-22

Temperanceville, VA

Can't repay my loan

Student loan: Federal student loan servicing

Can't get flexible payment options
Complaint: I have a loan being serviced by Great Lakes that has been sent to collections. I have been unable to afford any payment options they have offered. They have put me on a rehabilitation plan where I pay {$5.00} a month to get out of default. However, they sent me a letter that states I can only get out of default if I sign a letter agreeing to allow them to charge me a 20 % fee ( of the total balance ). My loan is over $ 100XXXX so this fee would be over $ 20XXXX. I explained to them that this would put me in much worse shape than even before. I feel this is unethical and not in the best interest of their consumers. They are simply making the debt so large it becomes impossible to pay. They are using a collection agency XXXX The contact I have spoken with is very rude and and told me I have no rights to negotiate while my loan is in default. Your help is looking into this unethical practice would be greatly appreciated. Thank you!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-21

Austin, TX

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: I graduated in XXXX 2014 from the University XXXX after living in XXXX for 20 years, and then relocated XXXX in XXXX 2014. I updated all of my address changes, but never received any communication from my student loan debtors until yesterday when I received a phone call from a collection agency demanding payment. They want me to make XXXX monthly payments in order to get my loan out of default. I had NO idea I was in default and feel I have done due diligence in making a good faith effort to remain in compliance.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-06-21

Allenwood, NJ

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Having problems with customer service
Complaint: I previously sent a dispute letter to the credit bureaus regarding the late payments on my account with Great Lakes. They were verified in which I agreed with and they annotated my credit report as being in dispute. I then sent them a letter by fax on XXXX XXXX which after me calling they received, that I was no longer disputing the account and to remove the dispute. The lady over the phone assured me that the dispute comment would be removed from my credit report. I am currently working with a mortgage broker to get approved for a home and this keeps holding me back from getting approved. Is n't this a violation of the Fair Credit Reporting Act if they fail to remove the dispute comment after I specifically told them it was no longer in dispute? I also looked at my credit report and noticed that the updated my account as being XXXX past due as of XXXX XXXX when this account was closed on XXXX XXXX. This dropped my credit score about XXXX points because it shows I was recently late which is not true. How can they get away with this?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-20

Bradenton, FL

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are handled
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-18

Mem, TN

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Need information about my balance/terms
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-18

Del Rey Oaks, CA

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are handled
Complaint: As a XXXX I am allowed six months grace period when I am not enrolled in school. XX/XX/XXXX I withdrew from all my classes, and the grace period began XXXX XXXX. Then I began school again the spring semester XXXX XXXX at XXXX different XXXX colleges. Together the XXXX schools equaled XXXX units. As long as I am in XXXX units my grace period is not effected. I had XXXX units from XXXX school and XXXX from another That is XXXX units. XX/XX/XXXX I got a notice on my email stating that I need to start repayments. I called my loan servicer Grate Lakes and discussed this with them. The employee at Greak Lakes had me mail in XXXX documents, XXXX from each school. The documents were verification of enrollment. The employee also initiated an in school deferment. Then I checked my account at mygreatlakes.com and my account no longer said that I had any payments. So everything was okay. Then later on XX/XX/XXXX I got another email saying I have start paying back my loans. I called them again and they looked up that I had sent in the XXXX documents showing I was enrolled in XXXX units. So the employee at great lakes fixed it again and told me the computer system was not recognizing that I was at XXXX school and that they had to manually input my enrollment. So then the problem was fixed again and my account at mygreatlakes no longer stated that I had to start repayment. Then after the semester ended I got another email saying I need to repay. This is the third time. This time I called them and the employee said that they only had one of the documents I sent in, and that I can not get my grace period back and that my only option is to fill out a forbearance or summer bridged. I feel like this is improper action on their part because the first and second time I had this problem the employees said they received my documents, both of them. Then this last time they said they only had XXXX. Which is impossible because I mailed them both together in the same envelope, and if they had one then they had to have the other. And It was in their computer system the first two times and now its not. And they are saying I ca n't get my grace period back. I know I used up most of my grace period at the end of the fall semester when I withdrew but I should have a month and a couple of days left over. There was nothing I could do on my part to stop this. I did everything I could. I contacted them and called them and mailed in all the documents. I am entitled to my grace period. I did not make any mistake. And they need to do a better job of evaluating documents and filing their documents. In my opinion it is their fault because they cant even put two and two together and realize I am going to XXXX school. They are obviously not capable of properly delivering loan service. I feel like they are doing this on purpose so they can make me start payments. They should be required to keep all the documents they recive or then they should n't be able to have that many accounts. I asked them and they said they probably destroy all the documents and only have what is on their computer system. Someone need to validate everything they receive. They should have to sign a form just like everyone has to do when they get a package from XXXX. I should n't have to do what every they say. It is if they are making up their own policy and I have to follow it. I knew they were going to do this the second time it happened they delayed time until I was out of school then trying to say I am not in school. It is the end of the semester now and no one is in school.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-17

Sm, KS

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are handled
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response