Servicer Under Contract With Federal Student Aid

From XXXX to XXXX, I was in active repayment on my XXXX consolidated loans while working for a qualifying public service employer, Texas XXXX. In XXXX, I consolidated those XXXX loans into a XXXX XXXX XXXX specifically to become eligible for the XXXX XXXX XXXX XXXX ( XXXX ) program. According to the Department of Educations one-time account adjustment rules, my pre-consolidation payments ( XXXX ) should count toward my 120-payment requirement, even though they were originally made on XXXX loans. I have already submitted XXXX XXXX XXXXXXXX ( XXXX ) covering this entire period, and those forms have been received. However, these years are currently missing entirely from my XXXX payment tracker on StudentAid.gov. They are not listed as 'Ineligible ' ; they simply do not appear in my payment history at all. This suggests a data synchronization gap between my original XXXX loan history and my XXXX Direct Consolidation Loan record.…

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* * Date : XXXX XXXX XXXXXX/XX/XXXX * * From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : [ XXXX ] ( XXXX : XXXXXXXX XXXX XXXX XXXX Borrower Defense Application # : XXXX XXXX XXXX XXXX XXXX Subject : * * Borrower Defense Application Missed Decision Deadline, Status Clarification, and Request for Immediate Determination To Whom It May Concern, I am writing to formally request an update and resolution regarding my XXXX XXXX to Repayment application associated with my attendance at the University XXXX XXXX. I submitted my application on XX/XX/XXXX, and it has remained in in review status continuously since that date. As of today, XX/XX/XXXX, my application has been pending for over XXXX years with no updates, no requests for additional information, and no determination issued. Under the XXXX v. XXXX settlement, my understanding is that post-class applicants are to receive a decision within XXXX years of submission.…

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US DEPT ED XXXX XXXX ( XXXX, XXXX ) {$1500.00} ( CLOSED ACCOUNT ) Collection Agency Pursuing to consumer law XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX J They Are Not Your Original debtor and you dont have a signed agreement with them. DELETE LATE PAYMENT XXXX XXXX CODE XXXX ( b ) DELETE COLLECTIONS XXXX XXXX CODE XXXX ( g ) DELETE CHARGE OFFS XXXX XXXX CODE XXXX ( c ) XXXX / XXXX ( b ) DELETE REPOS XXXX XXXX XXXX XXXX ( XXXX )

I am submitting a complaint regarding my federal student loan servicers failure to process my XXXX XXXX XXXX XXXX ( XXXX ) despite my eligibility. I reached XXXX qualifying XX/XX/XXXX payments in XX/XX/year>. Prior to receiving forgiveness, I was automatically placed into the SAVE repayment plan without my consent and then placed into administrative forbearance due to ongoing legal challenges. This forbearance has prevented or delayed the processing of my XXXX discharge, even though I became eligible before the forbearance began. I have : - SubmittedXX/XX/XXXXemployment certification- Applied for forgiveness - Submitted a buyback request My servicer has not provided a clear timeline, resolution, or confirmation of my eligibility status. This constitutes a failure to properly process a federal loan forgiveness benefit for which I qualify.…

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I submitted a XXXX XXXX to Repayment application to the XXXX Department of Education on XX/XX/year> ( Case Number : XXXX ) related to my enrollment at the University XXXX XXXX. My claim alleges that the school misrepresented employment outcomes, CPA eligibility requirements, career services, and the value of the program. I enrolled in a master's-level accounting and finance program with the understanding that the program would help qualify me to sit for the CPA exam and advance my career. After completing the program, I learned that the coursework did not provide the accounting credits necessary to meet CPA eligibility requirements. As a result, I was unable to pursue the professional certification that was represented as a likely outcome of the program. My XXXX XXXX application has now been pending for several years without a final determination. Despite multiple inquiries, I have received only automated status updates stating that the application is still under review.…

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The fraudulent loan was signed with my name date of birth and social which I never applied or approved for said student loan. The master promissory notes have names of people I am not related to and a spouse name. I am unmarried. The first date from when the loan was signed I believe was XX/XX/XXXX I didnt receive any information or drop in my credit until around XXXX of XXXX. I wasnt told to contact this resource until today Thursday, XXXX of XXXX and have a police report and am able to verify my identity, address with many resources. I have lived at the same address my entire life with proof of address on my birth certificate. The loan is currently over $ XXXX with growing interest. I am looking to use XXXX to go through classes in the state of my birthplace. starting in the summer semester. Any help would be greatly appreciated. I have a police investigation and report, frozen my credit. Submitted paperwork to student aid and contacted as many companies as I can.…

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My XXXX count dropped from XXXX to XXXX AFTER I made XXXX payments and submitted my signed employer verification XX/XX/XXXX. I have a pending buy back request which I made over 15 months ago, and some of my payments were marked late due to servicer account access issues. My payments stopped counting in XX/XX/XXXX, and then resumed counting XX/XX/XXXX. Had the buy back request I made 15 months ago been processed, I would not have needed to make the XXXX payments I started making in XX/XX/XXXX. I have been employed by the Federal Government since XX/XX/XXXX. My Federal employment status alone is more than enough time with a qualifying employer ; however I do have XXXX additional years time with other qualifying employers giving me more than the required 120 months. Sometime last year I was placed into a forbearance due to XXXX litigation. I did not request to be placed on XXXX, which occurred while waiting for my XXXX recertification to process in XX/XX/XXXX.…

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Initial Outreach ( XX/XX/XXXX ) : I contacted the Federal Student Aid ( FSA ) Ombudsman to dispute the daily interest accrual ( $ XXXX ) on my account starting XX/XX/XXXX. I explained that this accrual was the direct result of a XXXX delay in processing my XXXX switch request ( submitted XX/XX/XXXX ; denied XX/XX/XXXX ) and sought a waiver of this interest in exchange for immediate payment in full. Service Promise : Upon filing, I received an automated/official acknowledgment stating that a representative would contact me with a resolution or update within 15 days. Follow-up Period : I made multiple subsequent attempts to contact the office via phone and the online portal after the 15-day window expired in early XXXX. I received no substantive response during this time, while my balance continued to grow due to the very interest I was disputing.…

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I submitted a PSLF buyback reconsideration request in XX/XX/XXXX through Federal Student Aid. I received confirmation with a case number. I followed up in XX/XX/XXXX and XX/XX/XXXX and was told the request was under review, but no timeframe could be provided. On XX/XX/XXXX, I was informed the request is still pending and that no status updates or timeline can be given. Despite multiple inquiries, I have not received any meaningful update, eligibility determination, or payment calculation after more than seven months.

Subject : Complaint XXXX Payment Count Errors, Missing Payment History, XXXX Excessive Processing Delays I am filing a complaint regarding the handling of my XXXX XXXX XXXX XXXX ( PSLF ) payment count and a severely delayed buyback request. Issues : -Previously qualifying XXXX payments have been retroactively reclassified as ineligible due XXXX forbearance on the due date -I did not request these forbearances, XXXX some were administrative in nature -I made payments during several of these months -Entire months of payment history have been removed XXXX no longer appear in my account -My qualifying payment count has decreased after previously being near or at XXXX payments Additionally : XXXX submitted a XXXX buyback request over XXXX months ago XXXX has been no resolution, timeline, or meaningful update provided Impact : These errors XXXX delays are preventing me from receiving loan forgiveness for which I may already be eligible.…

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I am submitting this complaint regarding an unreasonable and prolonged delay by the XXXX Department of Education and its loan servicing system in processing a XXXX XXXX XXXX XXXX ( PSLF ) reconsideration request, which is preventing me from completing loan forgiveness. On XX/XX/year>, I submitted a PSLF Reconsideration Request ( Case No. XXXX ) seeking a buyback of qualifying months during which I was employed in public service but was in a deferment or forbearance status. This buyback process allows borrowers to retroactively make payments for those months to reach the XXXX requirement for XXXX. As of today, more than XXXX ( XXXX ) months later, my request remains pending with no determination, no timeline, and no meaningful status updates. I have contacted XXXX Student Aid and my loan servicer multiple times and have only been told that the request is under review. This delay has caused substantial borrower harm.…

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I am writing to formally file a complaint regarding the handling, communication, and processing of my XXXX XXXX XXXX XXXX ( XXXX ) application. I initially applied for XXXX during the period when program updates were actively being implemented under the previous administration. At that time, I was able to receive guidance via phone regarding the process. However, as administrative changes occurred, communication became inconsistent, and critical updates regarding the program appear to have stalled. Since submitting my application, I have made multiple attemptsvia both phone and emailto obtain clarity regarding the status of my loan forgiveness. Unfortunately, I have consistently received vague or generic responses indicating that processing is delayed, without any specific information, timeline, or direction. Key concerns include : I have not received a clear status update on my PSLF discharge.…

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I am submitting a formal complaint regarding my federal student loan account and the handling of my enrollment in the XXXX XXXX on a XXXX XXXX repayment. In XXXX, I was placed into the XXXX plan. During the subsequent litigation period, my loans were placed into administrative forbearance. At no point was I clearly informed that this forbearance period would not count toward my progress under Income Driven Repayment IDR forgiveness or XXXX XXXX XXXX XXXX. Instead, I was led to believe that I could remain in the XXXX plan without penalty, that the plan was simply paused due to litigation, and that only new enrollments were restricted while existing borrowers could remain without adverse consequences. I have now learned that this understanding was materially incorrect. Months spent in XXXX related administrative forbearance do not count toward IDR forgiveness or XXXX XXXX XXXX XXXX. This has resulted in a significant loss of qualifying payment credit toward forgiveness.…

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I spoke to U.S. Department of EducationXXXX XXXX DOE ) Default Resolution Group and was informed XXXX XXXX contract with the DOE expired in XXXX. As a result DOE told me not to communicate to XXXX XXXX. XXXX XXXX is attempting to collect a debt and engage in collection activity on behalf of the DOE. If so, this is a violation of certain consumer laws. I demand XXXX to show proof of a current contract to collect debt on behalf the DOE. Otherwise, cease and desist any and all debt collection activity forthwith.

This is a follow-up complaint. The Department of Education has failed to respond even after formal written demand following a 3-year delay. I submitted a Borrower Defense to Repayment application on XX/XX/XXXX, seeking discharge of my federal Direct Loans associated with XXXX XXXX University due to institutional misconduct and misrepresentation. The Department acknowledged my claim and placed my loans into administrative forbearance. However, more than three years have now passed without a final determination. I have already taken the following steps : Formal Demand for Final Decision ( XX/XX/XXXX ) Complaint filed with the Consumer Financial Protection Bureau Escalation to the FSA Ombudsman Congressional inquiry request Formal notice of unreasonable delay under the Administrative Procedure Act Despite these efforts, the Department has failed to issue a decision or provide lawful justification for continued delay.…

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This is not a duplicate complaint against XXXX XXXX, this has updated information regarding have no other drivers license besides in the state of XXXX. And screenshots showing this is the only consumer finance protection board account CFPB, I have ever used, assuming this is not spoofed and still under the XXXX XXXX XXXX XXXX XXXXXXXX email address I XXXX XXXX social security ending XXXX, XXXX XXXX, have no other CFPB account. I have never been married, no civil union, sterile no progeny, and no lawyer, paralegal, intern, anyone is working on my behalf in the XXXX, but in XXXX and XXXX. I have no financial access. XXXX XXXX gave a loan to my knowledge for XXXX {$000.00}, XXXX XXXX dollars that they should never have given and were even sued for. Supposedly a lawyer named XXXX XXXX was involved in litigation in pursuing a class action lawsuit. XXXX. XXXX.…

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Hello, my XXXX parent plus loan was approved on the XXXX of XXXX. I called the school along with my mom about this matter on the XXXX of XXXX, once I noticed the school hadnt processed the approved loan. They told me it would take up to 10 days to fully process everything. After 10 days nothing still. We reached back out on the XXXX of XXXX. Same thing give them a couple more days. We reached back out on the XXXX of XXXX. We were then told to contact the XXXX XXXX campus. I explained that all financial services are done through the main campus. But, we agreed to contact them, so the representative provided the numbers. We called the XXXX XXXX campus. They told us to contact a Ms XXXX at the XXXX campus, because she is the one who is over the financial aid. Okay. We reach out to XXXX XXXX through the number provided and we got a voicemail. We left a message voicing our concerns. No response. We reached out to XXXX XXXX again on the XXXX of XXXX. No answer, we got a voicemail.…

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In XXXX I enrolled at XXXX XXXX XXXX XXXX XXXX in a XXXX XXXX XXXX certification program, taking out federal student loans based on the school 's false promises of job placement and career advancement. The school was later fined {$180.00} XXXX by the XXXXXXXX Department of Education for fraud and illegal recruitment practices, filed XXXX XXXX XXXX in XXXX, and was the subject of a XXXX federal court judgment on behalf of XXXX former students. The original loan of approximately USD XXXX to USD XXXX has now grown to {$22000.00}, nearly XXXX times the original amount. The Department of Education has failed to provide a complete payment history from the original XXXX disbursement despite my request, making it impossible to verify whether the balance has been accurately calculated. A Borrower Defense to Repayment application has been filed based on XXXX documented fraud, Case Number XXXX, but the DOE continues collection activity without processing the claim.…

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I am submitting this complaint to document harm caused by the automatic administrative forbearance applied to my federal student loans related to the SAVE repayment plan. I was placed into this forbearance automatically and without my request in XXXX of XXXX. As a borrower working toward Public Service Loan Forgiveness ( PSLF ), this action has resulted in months that do not count toward my required 120 qualifying payments, despite my continued public service employment. This situation has caused a loss of qualifying PSLF months due to an administrative decision outside my control, an inability to make qualifying payments during the period of waiting to determine how loans previously on SAVE would be moved to another plan, and uncertainty regarding my future eligibility and loan forgiveness timeline. I have consistently maintained qualifying employment for PSLF and have made every effort to remain compliant with repayment requirements from the Department of Education.…

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XXXXDPT ED XXXX XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI am writing this letter to formally dispute certain inaccuracies on my cred report related to the above -reference account. XXXX XXXX XXXX is deceptive practice with misleading career outcomes. This is a non-credited school and the value of diplomas issued by institutions. This School is Misrepresentation of Graduate outcome, Violations of Consumer Protection laws, Campus closures / student disruptions, Credit Transfer challenges, Diploma Validity, Financial Strain and Disrupted Academic Progress. This educational institution is question is not accredited and jobs will not accept this degree. In accordance with fair Credit Reporting Act. I request that you investigate these discrepancies and have remove from my credit report XXXXThank you XXXX XXXX XXXX XXXX XXXX

I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…

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I am submitting this complaint regarding inaccurate and misleading credit reporting associated with multiple XXXX Loan accounts furnished by the U.S. Department of Education ( Account Numbers : XXXX and others ). I attended college between XXXX and XXXX, during which time these XXXX loans originated. However, the accounts currently appearing on my credit report reflect the following information : Date Opened : XX/XX/XXXX Account Status : Closed On-time Payments : XXXX XX/XX/XXXX Collections Reporting : XXXX XX/XX/XXXX Balances : {$130.00}, {$340.00}, {$410.00}, and {$890.00} This reporting is materially misleading and suggests that these long-standing loans have been improperly re-aged. Reporting loans originating between XXXX and XXXX as newly opened in XXXX creates the appearance of a new credit obligation and may unlawfully extend the reporting period beyond what is permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ).…

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I have been paying on student loans since XXXX. I am eligible for pslf. My loans with XXXX XXXX and XXXX were consolidated into a direct loan in XXXX. The payments made from XXXX are not reflected in national student loan database. Or on my student XXXX XXXX account. The payments from XXXX should be counted towards my pslf after the waiver was applied in XXXX. Those payments are lost. I submitted a complaint with student XXXX XXXX in XX/XX/XXXX. I uploaded all of the bank statements from XXXX showing those loan payments with XXXX XXXX and XXXX. I have spoken to customer service with XXXX and they said that I needed to talk to student XXXX XXXX because the payments were not transferred when my loans were consolidated again for the waiver. There has been no activity on my complaint in a year. I should be issued a refund for over XXXX payments made past my XXXX required payments for pslf. I wil make my last payment in XX/XX/XXXX.…

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I submitted a Borrower Defense to Repayment application to the U.S. Department of Education regarding my federal student loans related to XXXX XXXX XXXX XXXX. My application was submitted prior to XX/XX/year>, and the status has remained In XXXX since that date. I have been waiting more than XXXX years for a decision on my application. I requested an update from the Department of Education regarding the status of my case and the expected timeline for review, but I have not received a clear response or resolution. Because of the extended delay, I am requesting assistance in obtaining a status update and resolution of my XXXX XXXX claim. I would like the Department of Education to complete the review of my application and provide a determination or timeline for relief related to my federal student loans associated with XXXX XXXX XXXX XXXX.

This is a follow up claim in correspondence with Claim # XXXX. I would like to request loan forgiveness based on my history of payments and elderly abuse. Firstly, I am providing a list of my tax transcripts from XXXX and XXXX showing my out of pocket expenses, rent, and tuition payments. Secondly, the text document with my loan ID stating " XXXX '' shows over 10 years of college tuition with XXXX coinciding with my tuition payment transcripts and XXXX student receipts pdf files. I believe this is a form of elderly abuse as the college is collecting money after my dismissal and after spending thousands of dollars out of pocket dedicated to this XXXX XXXX XXXX 's program for over XXXX years. I would like to receive advocacy from the XXXX XXXX XXXX to relay this complaint as supporting documents to my Claim # XXXX.

I am writing to formally lodge a complaint and request immediate assistance regarding my eligibility for the XXXX XXXX XXXX XXXX ( XXXX ) program. Despite making consistent, timely student loan payments for more than 10 years while working in qualifying public service, my loan has still not been forgiven. In XX/XX/year>, I departed the public institution where I worked, the University XXXX XXXX XXXX convinced that I had completed all qualifying payments. Throughout this process, I have repeatedly sought clarification from my loan servicer. At XXXX point, I was informed that my case would be researched and that I would receive a follow-up response. Unfortunately, I never received any substantive update or resolution. I was also told that a small number of my payments were allegedly off by only a few cents. I explained at the time that I had never been notified of any payment discrepancy, nor was I given an opportunity to correct it when the payments were made.…

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I am submitting a complaint regarding a stalled XXXX Buyback request for my federal student loans. My loans were transferred from XXXX to XXXX, which I believe has added to the issues causing my request to remain unprocessed. Key Details : Original Buyback Request Submission : XX/XX/XXXX via XXXX reconsideration portal Employment Start : XXXX ( all public service employment ) Employment Certified Through : XX/XX/XXXX XXXX XXXX : XXXX qualifying payments/ XXXX months of eligible employment Current Loan Status : Administrative Forbearance under XXXX plan Servicer Transfer : XXXX XXXX Despite submitting this request approximately XXXX months ago, I have not received a buyback calculation or offer. Previous escalations to XXXX and the XXXXXXXX XXXX XXXX Ombudsman have not resolved this delay. I request that CFPB facilitate a manual review and prompt processing of my XXXX buyback request so that my loans can be discharged according to XXXX program rules.

I XXXX XXXX XXXX XXXX XXXX and signed up for XXXX to pay my original {$23000.00} student loan debt. I was XXXX XXXX XXXX XXXX XXXX XXXX and unable to find work XXXX XXXX XXXX XXXX for a year and a half. I am XXXX XXXX XXXX XXXX XXXX XXXX and XXXX has put a lien debit of {$250000.00} onto my credit report and saying it is not coming off until my service date ends, which is XX/XX/year>. This debit report is causing severe hardship and is on all credit reports as a potentially negative account. This has turned into a horrible experience and ruining my credit all over {$23000.00}. I am complying with all request from XXXX, I'm working back at a XXXX XXXX but still have this hanging over my head ruining my credit.

I am filing this complaint against XXXX, my federal student loan servicer, for an ongoing autopay processing failure that has resulted in my account being wrongfully designated as delinquent since XX/XX/XXXX. I have a flawless payment history and have acted in complete good faith throughout this matter. XXXX has acknowledged the error on multiple occasions but has failed to apply the correct remedy, and their conduct during the dispute process has been evasive and unprofessional. My loans were transferred from XXXX to XXXX without my consent, with first payment activity on XX/XX/XXXX. Upon transfer, I enrolled all loans in 100 % auto-debit, correctly configured at a XXXX ratio with each loan 's monthly payment amount. My account settings requested a total of {$260.00} per month, and I had every reasonable expectation that this amount was being withdrawn, as I was never notified of any discrepancy or incomplete payment at any point during the 18 months prior to XX/XX/XXXX.…

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Validation of Debt Request - DP OF EDUC - XXXXXXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.