American Student Assistance CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/01/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	MA XXXXX	Web	Older American
XX/XX/XXXX Dear Consumer Financial Protection Bureau, I XXXX XXXX XXXX am applying to your office for help with resolving a billing dispute with my student loan servicer American Student Assistance ( XXXX ) and their agent XXXX XXXX XXXX ( XXXX ). My Dispute involves two issues ; 1. Overpayment to XXXX XXXX XXXX, 2. American Student Assistances mishandling of my account from its inception. In the spring of XXXX while still attending XXXX XXXX I was erroneously sent notice to start payments on my federal student loans. I appealed this action to the US Dept. of Education ( USDE ) and for two years we went back and forth trading documents. In the fall of XXXX while waiting on a decision from the USDE I received a notice from XXXX that they were about to attach my pay check for being in default of my student loans even though I was in the process of resolving my USDE dispute. I received no notice from the USDE regarding any default of my student loans. Once youre in the default status the USDE doesnt want to acknowledge you anymore and refers you back to XXXX whos only interested in charging you fees. So from XX/XX/XXXX through XX/XX/XXXX I ended up making 101 continuous on time {$300.00} a month payments to XXXX. ( See XXXX XXXX ) In the spring of XXXX I was let go by XXXX XXXX IT division and replaced by three contract employees in a cost saving move by the new owners at XXXX XXXX. Unfortunately approximately XXXX other IT Professionals in the XXXX area were also let go by a large IT outsource company at the same as a precursor to the coming Great Recession. With no IT jobs available and numerous competitions for what might be available I went to XXXX XXXX for a XXXX XXXX. While applying for a new USDE student loans I was surprised to find out that after making101 continuous on time educational loan rehabilitation payments of {$300.00} a month to XXXX I was still in default. Well of course I notified XXXX immediately explaining my predicament of being in default while also supposedly having rehabbed my original USDE loan. I talked and corresponded to XXXX agent XXXX XXXX to explain how I was wrongly put into default in the first place and all the payments I made to XXXX. Not surprisingly XXXX XXXX said there was nothing she could do about the original default issue but she did apologize for the default status and curiously she awarded me a {$6000.00} waiver in existing collection costs/fees ( see XXXX XXXX ) towards my remaining balance of {$12000.00} after she talked to her supervisor. So to summarize I was in a USDE loan default for a loan that was started prematurely and I was still in default after making 101 rehabbed payments but I was still awarded {$6000.00} for being in default, interesting. XXXX XXXX removed my default status after 8 years of continuous payments and placed my account with their agent XXXX with my new payments to begin when I completed my full time XXXX degree at XXXX XXXX. According to my conversations with XXXX XXXX my balance on XX/XX/XXXX was {$12000.00} minus the award of {$6000.00} for a final balance of {$6700.00}. Dispute 1. Overpayment to XXXX XXXX Services. Of course XXXX tried to start repayments as soon as possible such as XX/XX/XXXX while I was starting at XXXX XXXX. It took months of phone calls and correspondences from myself and XXXX XXXX to explain to XXXX that I was supposed to have a deferment while attending XXXX XXXX and they finally recognized my status after approx. 6 months. From XX/XX/XXXX through XX/XX/XXXX I contacted XXXX numerous ( XXXX ) times to get a starting balance of my rehabbed USDE loan so as to confirm what XXXX XXXX had stated. I would call XXXX and talk to folks with a foreign accent which was fine because I understood them clearly and they knew what I said and the information I needed. Unfortunately I never received the information I requested even though I would review my contact information every time. Before I even graduated in XX/XX/XXXX I received a payment coupon book from XXXX ( see XXXX XXXX XXXX ) starting in XXXX of XXXX in the amount of {$160.00} a month. Because I like round figures and I wanted to pay this loan off faster I increased my payments to {$200.00} a month. Again I contacted XXXX about my account balance status and I seemed to talk to the same folks every time with the same result which was almost no result. After over 3 years of calling I finally received some paper work from XXXX ( see XXXX XXXX XXXX, XXXX, XXXX and XXXX ) with a promised 36 month account history that shows only 4 payments. From XX/XX/XXXX until XX/XX/XXXX for a total of 50 months I called XXXX on a monthly basis and I never received a monthly or yearly statement and not even a XXXX tax statement except for the one statement with 4 vague pages from XX/XX/XXXX XXXX see XXXX XXXX XXXX, XXXX, XXXX and XXXX ). When I contacted XXXX about this serious issue I was told to contact XXXX directly because it wasnt their concern. I guess they forgot about the assistance part of their name. Getting anything from XXXX wasnt exactly my priority during the years XXXX through XXXX, getting a job was the priority. Nobody was hiring in the medical field, the IT field and even XXXX XXXX wasnt hiring. Id send resumes and even drop them off in person and youd swear you could hear them being deleted or dropped in the circular file as you walked out the door. Nobody seems to want to hire the older worker and every year is another year older and the law doesnt protect you. So after more than 4 years and 50 payments I put pen to paper to figure out that I overpaid XXXX. My USDE loan Balance in XX/XX/XXXX was {$12000.00} minus my XX/XX/XXXX award of {$6000.00} brings my starting XXXX balance to {$6700.00}. I made 50 payments to XXXX for the amount of {$9900.00} which to me means I overpaid ( see XXXX XXXX XXXX ) XXXX by approx. {$3100.00}. Since I couldnt get XXXX or even XXXX to respond to me inquiries for even just basic account information and since my simple math demonstrated that I surely overpaid XXXX I did the only reasonable thing I could think of to get their attention. I stopped making payments. What a response from XXXX, they sold my account ( see XXXX XXXX XXXX and XXXX ) to XXXX XXXX XXXX XXXX ( XXXX ). So I called XXXX to explain my situation and they didnt know I stopped paying XXXX, They had a different balance than I had, {$5600.00}, they had no payment paperwork or for that matter any paperwork on my account from XXXX and they didnt really seem concerned. So I sat on my hands and waited for them to call for a payment. It took 6 months for both XXXX and XXXX to call. In XXXX of XXXX I contacted XXXX XXXX ( no last names given ) to discuss my account status and the fact that I overpaid XXXX. XXXX stated that XXXX had no information regarding any of my payments to XXXX and didnt know why XXXX sold my account to XXXX. ( According to news reports XXXX was banned from any USDE contracts because of highly questionable practices. ) While I was on the phone with him XXXX contacted XXXX supervisory accountant XXXX who after more than hour ( 90 minutes ) of searching XXXX files couldnt find any of my payment information or even information about the transfer of my account to XXXX. Mind you they had my account since XXXX, over 7 years. So XXXX and I moved on to XXXX and talked to XXXX in purchases and accounts. XXXX had my account since the beginning of XXXX so they surely knew what my balance was, how much I paid to XXXX since XXXX and what my future payments were. XXXX couldnt even tell us what was on the paperwork they had sent me to make payments to them. Remember XXXX represented XXXX the guarantor of the loan who supposedly had to approve the transfer of my account from XXXX to XXXX. XXXX had a right to this information even if they didnt want to give me the information. To say that XXXX was as frustrated as I was an understatement. He was mad and was going to get to bottom of this and would get back to me in a few days. Finally, someone who understood my situation and would get some straight answers for me on my account. So I thought. I dont remember hearing back from XXXX but I did make multiple calls back to XXXX talking to different representatives and having to continuously repeat my account scenario. After repeated XXXX request during these same months in XXXX I called XXXX again and explained my situation to XXXX representative XXXX. She reviewed my account information and stated that I was probably owed more than the approximately {$3100.00} by XXXX and really didnt have a high opinion of ACS. She gave me a deferment for XXXX so as I wouldnt keep getting bills On XX/XX/XXXX I talked to a XXXX XXXX at XXXX who took my information again and requested I forward any pertinent documents to him and he stated that he had more authority to look into my situation. Not hearing from them for more than six months I called back and XXXX XXXX said he never received my mailed documents but interestingly XXXX XXXX did receive the docs I sent her by mail in XXXX. So here I go again sending documentation that for the most part they already have or should be able to access but this time I sent it electronically through their email response system acknowledged by some XXXX XXXX who states that XXXX will contact me in 24 hours but they never did. I received a response from XXXX on XX/XX/XXXX denying my request ( see XXXX XXXX XXXX and XXXX ) by XXXX representative XXXX XXXX. I responded to XXXX XXXX on XX/XX/XXXX by reapplying my dispute with additional information and pointing out that XXXX never answered many of my queries including XXXX balances. XXXX according to their rules is supposed to get back to me within 24 hours with an acknowledgment but they never did and I havent had a call from them since. After not hearing from XXXX since XX/XX/XXXX I received a notice from the US Dept of the Treasury that they would be deducting 15 % of my monthly Social Security pymt ( See XXXX XXXX XXXX ). In summary in XX/XX/XXXX I was placed with XXXX by XXXX after miraculously coming out of an 8 year USDE default even though I made 101 regular on-time payments for which ASA waived {$6000.00} from my account. My balance in XX/XX/XXXX was XXXX minus {$6000.00} waived by XXXX for a new balance of {$6700.00}. XXXX tried to start my payments immediately in XX/XX/XXXX while I was in deferment but this was quickly corrected by XXXX XXXX of XXXX. I never received any documentation at the start of my relationship with XXXX reflecting my account balance or any other documentation you might expect when starting a loan repayment plan. The only items I received from XXXX were payment coupon books. My coupon payment was for {$160.00} but I paid {$200.00} a month to pay off my balance sooner. I made 50 regular on-time payments and every time I made a payment I would call XXXX to get a balance and/or an update to my account. During the more than four years and 50 payments I made to XXXX I never received a monthly or yearly statement or even a 1098 tax document that the IRS requires to show interest payments. The only paperwork I received From XXXX was from XXXX that showed 5 payments that didnt look correct and showed no overall account balance. I paid XXXX 50 payments in the amount of {$9900.00} on an original balance of {$6700.00} resulting in an over payment of {$3100.00}. I have been trying to recoup this overpayment since XXXX of XXXX to no avail. Im seeking your assistance with recovering my overpayment and in dealing with the non-compliance of my request for my account documentation. Dispute 2 American Student Assistances ( XXXX ) mishandling of my account from its inception. As stated previously in the spring of XXXX while still attending XXXX XXXX I was erroneously sent a notice to start payments on my federal student loans. I appealed this action to the US Dept. of Education ( USDE ) and for two years we went back and forth trading documents. In the fall of XXXX while waiting on a decision from the USDE I received a notice from XXXX that they were about to attach my pay check for being in default of my student loans even though I was in the process of resolving my USDE dispute. I received no notice from the USDE regarding any default of my student loans. Once youre in the default status the USDE doesnt want to acknowledge you anymore and refers you back to ASA whos only interested in charging you fees. So from XX/XX/XXXX through XX/XX/XXXX I ended up making 101 continuous on time {$300.00} a month payments to XXXX. ( See XXXX XXXX XXXX ). According to American Student Assistances policy if you make 9 continuous payments your loan is considered rehabilitated and no longer in default with your account transferred to a collection agency. After 101 continuous payments to XXXX nothing ever happened to my account except to garner increased fees and penalties that benefited XXXX. In the 9 years of making payments to XXXX I never received one notice regarding their rehab policy. In the 9 years of making payments I never received one monthly or yearly statement regarding my loan balances. In the 9 years of making payments to XXXX I never received one notice regarding interest payments to report to the IRS. . While applying for a new USDE student loan in XXXX I was surprised to find out that after making101 continuous on time educational loan rehabilitation payments of {$300.00} a month to XXXX I was still in default. Well of course I notified XXXX immediately explaining my predicament of being in default while also supposedly having rehabbed my original USDE loan. I talked and corresponded to XXXX agent XXXX XXXX to explain how I was wrongly put into default in the first place and all the payments I made to XXXX. Not surprisingly XXXX XXXX said there was nothing she could do about the original default issue but she did apologize for the default status and curiously she awarded me a {$6000.00} waiver in existing collection costs/fees ( see XXXX XXXX ) towards my remaining balance of {$12000.00} after she talked to her supervisor. So to summarize I was in a USDE loan default for a loan that was started prematurely and I was still in default after making 101 rehabbed payments but I was still awarded {$6000.00} for being in default, interesting. XXXX XXXX removed my default status after 8 years of continuous payments and placed my account with their agent XXXX with my new payments to begin when I completed my full time XXXX degree at XXXX XXXX. According to my conversations with XXXX XXXX my balance on XX/XX/XXXX was {$12000.00} minus the award of {$6000.00} for a final balance of {$6700.00}. In XXXX of XXXX I contacted XXXX XXXX ( no last names given ) to discuss my account status and the fact that I overpaid XXXX. XXXX stated that XXXX had no information regarding any of my payments to XXXX and didnt know why XXXX sold my account to XXXX. ( According to news reports XXXX was banned from any USDE contracts because of highly questionable practices. ) While I was on the phone with him XXXX contacted ACSs supervisory accountant XXXX who after more than hour ( 90 minutes ) of searching ACSs files couldnt find any of my payment information or even information about the transfer of my account to XXXX. Mind you they had my account since XXXX, over 7 years. So XXXX and I moved on to XXXX and talked to XXXX in purchases and accounts. XXXX had my account since the beginning of XXXX so they surely knew what my balance was, how much I paid to XXXX since XXXX and what my future payments were. XXXX couldnt even tell us what was on the paperwork they had sent me to make payments to them. Remember XXXX represented ASA the guarantor of the loan who supposedly had to approve the transfer of my account from XXXX to XXXX. XXXX had a right to this information even if they didnt want to give me the information. To say that XXXX was as frustrated as I was an understatement. He was mad and was going to get to bottom of this and would get back to me in a few days. Finally, someone who understood my situation and would get some straight answers for me on my account. So I thought. I dont remember hearing back from XXXX but I did make multiple calls back to XXXX talking to different representatives and having to continuously repeat my account scenario. After repeated XXXX request during these same months in XXXX I called XXXX again and explained my situation to XXXX representative XXXX. She reviewed my account information and stated that I was probably owed more than the approximately {$3100.00} by XXXX and really didnt have a high opinion of ACS. She gave me a deferment for XXXX so as I wouldnt keep getting bills On XX/XX/XXXX I talked to a XXXX XXXX at XXXX who took my information again and requested I forward any pertinent documents to him and he stated that he had more authority to look into my situation. Not hearing from them for more than six months I called back and XXXX XXXX said he never received my mailed documents but interestingly XXXX XXXX did receive the docs I sent her by mail in XXXX. So here I go again sending documentation that for the most part they already have or should be able to access but this time I sent it electronically through their email response system acknowledged by some XXXX XXXX who states that XXXX will contact me in 24 hours but they never did. I received a response from ASA on XX/XX/XXXX denying my request ( see XXXX XXXX XXXX and XXXX ) by XXXX representative XXXX XXXX. I responded to XXXX XXXX on XX/XX/XXXX by reapplying my dispute with additional information and pointing out that ASA never answered many of my queries including XXXX balances. XXXX according to their rules is supposed to get back to me within 24 hours with an acknowledgment but they never did and I havent had a call from them since. What they did do was move my account from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX After not hearing from XXXX or XXXX XXXX since XX/XX/XXXX I received a notice from the US Dept of the Treasury that they would be deducting 15 % of my monthly Social Security pymt ( See XXXX XXXX XXXX ). So in summary I was placed inappropriately in default inXXXX by the USDE which Im not even going to repeat my dispute here. While waiting on my dispute decision from the USDE I received a notice from ASA that they were about to attach my pay check for being in default of my student loans even though I was in the process of resolving my USDE dispute. I received no notice from the USDE regarding any default of my student loans. Once youre in the default status the USDE doesnt want to acknowledge you anymore and refers you back to XXXX whos only interested in charging you fees. So from XX/XX/XXXX through XX/XX/XXXX I ended up making 101 continuous on time {$300.00} a month payments to ASA ( See XXXX XXXX ). According to American Student Assistances policy if you make 9 continuous payments your loan is considered rehabilitated and no longer in default with your account transferred to a collection agency. After 101 continuous payments to XXXX nothing ever happened to my account except to garner increased fees and penalties that benefited XXXX. In the 9 years of making payments to XXXX I never received one notice regarding their rehab policy. In the 9 years of making payments I never received one monthly or yearly statement regarding my loan balances. In the 9 years of making payments to XXXX I never received one notice regarding interest payments to report to the IRS. I XXXX XXXX XXXX am filing this complaint because I feel I was egregiously and incompetently treated by American Student Assistance who failed to follow their own policies regarding USDE defaulted loans overcharged me for their own enrichment. Im hoping youll be able to help me with this issue. Please see all the attached documents in support of my complaint. Sincerely, XXXX XXXX XXXX
05/11/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MA 018XX	Web
Background : On XX/XX/XXXX I filed a complaint with you ( CFPB # XXXX-XXXX ) regarding American Student Assistance ( ASA ) & XXXX XXXX XXXX XXXX involving what I suspected to be unfair and deceptive practices involving a FFELP Consolidation loan. Rather than respond to your inquiry as is customary, ASA responded to my complaint in a letter which they mailed via U.S. Mail dated XX/XX/XXXX and which included ( for the first time ever ) partial copies of the initial Federal Stafford Loan documents which I had believed were consolidated, the consolidation loan which I believed to have consolidated those loans, and then a subsequent rehabilitation loan document for the same consolidated loan which I had defaulted on due to significant hardship at that time. Also enclosed was a Loan History page printed from the Federal Student Aid website which is subtitled " Grants '' and " Loan History '', then " Aggregate Loan Information '', and " Loan Summary '' In a separate response through your website I received a response from XXXX who was the alleged servicer to whom XXXX had transferred servicing to and attached to their response were two spreadsheets from XXXX beginning in XX/XX/XXXX, and another from XXXX which began in XXXX through XXXX. Separately I also received a response from XXXX ( XXXX ) through your website which attached the same consolidation loan document that ASA had attached to their letter dated XX/XX/XXXX. Later I received a check from XXXX for {$.00} cents of " overpayment ''. I tried to respond to this via U.S. Mail but my letter was returned to sender, no known addressee. Importantly, the two initial federal student loans ( Stafford ) documents that they sent me show that a. ) I had signed BLANK loan applications as I was directed by the financial aid department ( s ) at XXXX XXXX XXXX College in XXXX, Massachusetts ( XX/XX/XXXX ) for {$1200.00}. which I had written in and is typed into the box titled " Certified Loan Amount '' ; and at XXXX XXXX College in XXXX, Massachusetts which was for {$10000.00}. which I signed and dated XX/XX/XXXX ; and b. ) NEITHER LOAN WAS EVER APPROVED BY THE LENDER. In fact the copy that ASA sent me shows the loan application I signed on XX/XX/XXXX is still blank. Equally important is the custom/policy the schools had of not providing me with a copy of either loan document at the time and I have never seen any proof that any amount was actually paid to the schools for my tuition and fees. I was never asked to endorse any loans for the school. Also these " Application and Promissory Note for Federal Stafford Loans '' are copies of the original note - Lender Copy A and contain the logo of American Student Assistance ( ASA ) on the form, which leads me to conclude that ASA was the lender and not the guarantor, which was materially omitted from all communications. All of these facts contributed to the reason I falsely believed that the consolidation loan represented my student loans, because the consolidated loan was also originated by XXXX XXXX College as was a separate Perkins Loan in XXXX so I reasonably relied upon their expertise since they had all the records, or so I believed. Notabably, the XXXX loan is signed by XXXX XXXX on XX/XX/XXXX and whose title was " State Association ''. Finally, the copies of these loans include ONLY THE FRONT PAGE. There is no back page and no borrowers disclosures. Prior to my graduating in XX/XX/XXXX, I applied for sales position with XXXX XXXX and was hired in XX/XX/XXXX with a start date of XX/XX/XXXX. The consolidated loan document that I signed was sent by XXXX XXXX College via US Mail in XX/XX/XXXX which I signed and returned to them. I didn't have a photocopier then and I presumed they'd send me a copy of the loan document if it was approved. However the next thing I received was a loan repayment booklet from XXXX XXXX XXXX. I defaulted in XXXX due to excessive legal expenses related to my attempted divorce. ASA began collection attempts, then XXXX XXXX XXXX OBO ASA or at least that was what I was led to believe. My new understanding based on the past two years of research, communications and activity leads me to conclude that ASA sold the debt to XXXX and created a completely new lien which also rolled in almost {$4000.00} of collection costs and fees and which XXXX originated ( unbeknownst to me ). Thus ASA 's definition of " Rehabilitation Loan '' is not the same as the U.S. Department of Education 's definition of Rehabilitation Loan. It seems that ASA is in the business of issuing securities rather than administering the U.S. Federal Student Aid Loan Program. In fact, the letter that ASA wrote me dated XX/XX/XXXX explicitly admits that the initial consolidation loan was theirs and they were holding it. Not only that but the document they sent me shows that the consolidation loan exceeded the alleged amount owed, which actually aren't even the two loans I signed, they are two completely separate loans that I have no record of and did not apply nor consent to. The other potential place the XXXX loan originated in XX/XX/XXXX came from was also without my knowledge or consent, the training program with XXXX XXXX which I was unaware was not a sales job but was evidently a " vocational education program '' which I had no idea. XXXX XXXX had a mandatory boiler plate Employment Agreement for employment at will that they required I sign before I started and it requires that I acknowledged that I pay them back if I voluntarily left the firm in my first three years of employment. I worked at XXXX XXXX until XX/XX/XXXX ( 17+ years ) so I would have never attributed that amount to them until I ( a ) Discovered in XXXX that " XXXX XXXX Human Resources Benefits Department '' was really XXXX XXXX which is owned by XXXX/XXXX ; ( b ) in reviewing the student loan documents noticed forbearance documented I received ( but did not request ) dated XX/XX/XXXX, that equaled the amount I would have owed had I voluntarily left XXXX XXXX in XX/XX/XXXX, and found evidence of false loan documents originated by XXXX which were sent to me over the years which I never signed or returned, aligned with the timeframes in the spreadsheet sent by XXXX where the student loan appears to have been " reconsolidated '' without my knowledge or consent. It seems that they were under some kind of obligation to keep the loan principal at 95 % of original issue - because apparently someone was using it as collateral - my federal student loan appears to have been used as a CDO. Interestingly, my tax records for XXXX contain a 1098E from XXXX XXXX XXXX XXXX XXXX ( XXXX ) which is the agency name for ASA which is a DBA ; for the interest they earned on my loan at the time that the loan was allegedly in " rehabilitation '' and they capitalized almost 4k in collection costs, I looked up the EIN and it turns out that it is the Deferred Compensation Plan of the ASA Employee Welfare Plan ( 401a ) which is a conflict of interest. Not only that but at that time the U.S. Dept. of Ed didn't charge collection costs for rehabilitation loans yet. When I mentioned this to ASA in a letter, they wrote back that they would ask " The Department of Education ''. I responded that they clarify if they were speaking of the U.S. Department of Education or the Massachusetts Department of Education. I never heard back but then I received notice that XXXX was servicing the loan. XXXX simultaneously discontinued collection efforts, probably to make it appear as though the loan is one and the same. Eventually ASA sent it to XXXX XXXX XXXX XXXX for collections. I disputed the debt and asked for verification but received none. I also informed them that in addition to all of the above, I was never eligible for the student loan in the first place because I had never graduated from high school. They sent me an expired U.S. Department of Education form to complete. I responded letting them know that their form was expired and they sent me another collection notice. Finally on XX/XX/XXXX I mailed XXXX. XXXX XXXX XXXX an affidavit signed under the pains and penalties of perjury with exhibits attached. I didn't hear from them and so on XX/XX/XXXX I emailed them and asked what the status was since I hadn't heard from them and also asked if/how the CFBPB 's consent order with XXXX would affect their collection activity. I have not heard back. Instead, I received a letter a few days later from XXXX XXXX XXXX attempting to collect the debt for American Student Assistance ( ASA ). I have no idea if ASA issued ANOTHER security and this is in addition to the one XXXX XXXX XXXX XXXX is attempting to collect or not. I haven't received anything back from XXXX XXXX XXXX XXXX indicating that they have ceased collection. I don't know if they refused to collect after receiving my affidavit, or if they transferred it directly to XXXX XXXX XXXX. As I researched further, I discovered that the US Dept of Education doesn't even allow for consolidation of " CONS '' ( Consolidated ) Loans. No disclosure, no signature, no notice, nothing. They are just printing money basically. Apparently Massachusetts Securities Law must conflict with Federal Security Law because I can not think of any other valid reason who this would be allowed to happen. As you can imagine, this is incredibly frustrating as it has completely damaged my credit. I can't look for a job because no one would hire me with a bad credit report and I can't collect unemployment because I'm not 'available ' for work until I can get someone to correct my credit report.
05/09/2023	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	MA 018XX	Web
First, I do not know what education program I am purported to have completed. I thought I had passed the XXXX in XXXX but learned in XXXX that I could not have because XXXX XXXX XXXX XXXX ( XXXX ) in XXXX, Massachusetts only administered four of the five mandatory sections of the exam to me and told me I passed based on my cumulative score of the four sections exceeded the total score needed to pass. This was a false statement. In XX/XX/XXXX XXXX sent me a copy of my official transcript through the U.S. Mail which falsely reports that I completed a one year technical writing certificate program in XX/XX/XXXX. In XXXX I applied to XXXX XXXXXXXX XXXX ' Degree program in Business Administration and XXXX represented to me that I had been admitted. I justifiably relied upon XXXX 's representations and attended full-time from XX/XX/XXXX to XX/XX/XXXX. I attended part-time evenings from XX/XX/XXXX to XX/XX/XXXX and dropped the two classes I had planned to take in XXXX because I was pregnant with my XXXX child who was due to be born and was born in XX/XX/XXXX. I did not return to XXXX until XX/XX/XXXX where I attended part-time evenings through XX/XX/XXXX. In XX/XX/XXXX I was laid off from my job and because XXXX represented to me that my only outstanding requirements to complete the XXXX ' degree was 13 classes which I could complete within one year, I paid for and completed 13 classes during the year XXXX and XXXX mailed me an " Official Academic Record '' through the U.S. Mail on XX/XX/XXXX which states that I completed a degree in XX/XX/XXXX, XXXX of Science in Business Administration. On XX/XX/XXXX I visited the federal student aid website www.nslds.ed.gov for the first time and discovered XXXX reported me to have been 'WITHDRAWN '' effective XX/XX/XXXX. I contacted XXXX by mail in XX/XX/XXXX to request they correct the FSA record. XXXX relayed to me that they do not consider the FSA record to be incorrect. I also saw federal student loans and grants that were reported in my name that I did not knowingly apply for or consent to. In XX/XX/XXXX, XXXX contacted me about beginning repayment of my student loans which were purported to have been federal student loans. XXXX offered to consolidate the federal student loans and sent me a document through the U.S. Mail which has the logo XXXX at the top which stands for XXXX XXXX XXXX XXXX. They had completed the document for me and provided me with a self-addressed stamped envelope to return it to XXXX. I signed and returned it to XXXX. Because XXXX used their discretion in selecting which purported federal student loan they offered me, and never provided me with an original nor copy of any document until I complained to the CFPB on XX/XX/XXXX, I had no way of knowing that the loans purportedly being consolidated were not the same loans XXXX ( and XXXX ) had me sign for previously ( {$1200.00} in XX/XX/XXXX, {$10000.00} in XX/XX/XXXX and {$1500.00} in XX/XX/XXXX ). They essentially had me agree to consolidate loans I never received, one of which is a directed Federal Loan I did not need and another appears to be a private student loan with XXXX ( now XXXX ), neither of which I needed nor received. Evidently I am a victim of a bait and switch in education and in education funding. It also appears that the fictitious student loans have something to do with XXXXXXXX XXXX XXXXXXXX according to certain tax documents I received. It also appears that I was a victim of a false employment scam which was advertised to be an inside sales position in the " financial services industry '' by XXXX XXXX on XXXX in XX/XX/XXXX which I mistakenly applied for because they claimed there was no prior work experience needed and no minimum education requirements were disclosed. In fact they claimed to provide all necessary training on the job. XXXX XXXX did not disclose that it was a registered investment adviser with the SEC, did not disclose it was a voluntary association nor did it disclose it was a business trust. I mistakenly provided my social security number and authorized a background check under the false pretenses of employment. At no time did XXXX XXXX disclose they were providing a proprietary education program. It appears from the records that there was some collusion between XXXX and XXXX XXXX because XXXX falsely reports on the academic record that I was retroactively transferred to " days '' during the fall semester to be effective XX/XX/XXXX, however I had no knowledge of this and did not consent to it. Finally, the fact that XXXX refuses to provide me with any record of my admissions which I requested multiple times between XXXX and XXXX tends to show there was no admission whatsoever because I was not eligible because I did not complete the XXXX which they knew or should have known. Finally, this fraudulent scheme has left me without any valid higher education and without the ability to earn any wages or income because their actions prevent me from being able to complete a valid resume or apply for employment since they terminated me from this fictitious employment in XXXX under false pretenses which I could not have known at that time. As a result of their actions, I was evicted from my home, my car was repossessed, my reputation has been harmed and I have no way of supporting myself financially. This is the condensed version of harm. Also the purported federal consolidation loan ( XXXX ) shows they checked boxes for blank spaces which leads me to think they added even more fictitious loans to the form after I stupidly signed it and returned to XXXX through the US Mail. I trusted XXXX because they are in fact the Commonwealth of Massachusetts and I never thought the state would intentionally defraud me.
07/24/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	AZ 85297	Web
Please note that anything I say here, I will say under oath in court. This is 100 % truth and we swear on the lives of our children that we are being honest and sincere. In XX/XX/XXXX, our student loan was under forbearance through XX/XX/XXXX. I remember getting the confirmation in the mail in the summer and double-checking that it was for this loan. I remember vividly the relief I felt when getting the forbearance, as we are struggling with unemployment in our family. The approved forbearance communication was confirmed by the XX/XX/XXXX correspondence from XXXX XXXX from XXXX ( formerly XXXX ). The servicer acknowledges that ( 1 ) they received our forbearance request and ( 2 ) initially approved our forbearance request - which confirms my point that we did receive the forbearance approval in the mail. We did not receive a follow-up letter about a missing signature and I challenge the servicer to provide proof that this ever got to us in either the mail or the email that is on file. I can also confirm that we did not receive ( 1 ) mail stating our account was past due after XX/XX/XXXX, nor the typical barrage of phone calls that lead to this type of delinquency. No certified mail or notifications reached us - nor did we expect it because we were, to our knowledge, in forbearance. Additionally, circumstantial evidence shows that we were engaged consumers in this, and we wouldn't ignore a notice like this if received. In XX/XX/XXXX, I submitted another forbearance form for XXXX as our struggles continued. In XXXX, we received a default notice from XXXX, a collector for XXXX. Again, please remember that Id say this same thing ( and may have to, if this continues to escalate ) under oath. This is not one of the common excuses that Im sure you may hear routinely. Ill swear my life on it. While we can continue to dig through the details, the bottom line is this : - We were eligible for a forbearance in XX/XX/XXXX. - We submitted a forbearance in XX/XX/XXXX. - Our forbearance was ( initially ) approved in XX/XX/XXXX ) If we are to ignore everything else in this situation, the bottom line is that our lives were essentially ruined because of an unknown missing signature. - There is no proof that XXXX sent the subsequent forbearance denial or made any follow-up contact with us. We never received phone calls or mail from them after the forbearance approval. The burden of proof is on the servicer. Mountains of circumstantial evidence shows that we would NOT ignore this if we received this communication. I suspect it had something to do with us being approved for a forbearance in XX/XX/XXXX and then reversed so quickly due to a signature. It may have stopped other communication in their system. - XXXX was sued in a XX/XX/XXXX class action suit because of this type of issue, so Im not alone. Upon reviewing others experiences, their experience is almost IDENTICAL to ours. This is not an administrative error that we can live with, as it has a devastating effect on the financial future of not only the two of us, but our kids and extended family. If this escalates, we will be forced to seek damages due to the significant damage this administrative error has done to our family. While the knee-jerk response is that we're only allowed one " rehab '', this is not a " rehab '' situation - this was an administrative error by XXXX. This is not a typical situation, so we need atypical attention and resolutions. We hope that we can resolve this through the CFPB 's process, without having to hire a student loan attorney, which is the last resort for all party 's involved. We don't want this to be an adversarial situation at with American Student Assistance at all! This was a servicer administrative error ( admitted by them ) that ultimately went haywire. We can both acknowledge where the disconnect was, even if we disagree on who is primarily responsible for the administrative error.
04/21/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	MA 018XX	Web
I have had long standing problems with my student loan servicers going back years. I do not have any documents from the origination of these loans and in fact do n't recall ever receiving any. I recently learned that all the loans are listed on XXXX XXXX XXXX website www.nlds.ed.gov. so I looked them up and started researching. One of the loans is a XXXX XXXX XXXX oan for {$1500.00}. disbursed on XXXX . Evidently it 's for " Financially Needy '' persons ( See generally 34 CFR 674.1 Purpose and identification of common provisions ). " ( a ) The XXXX XXXX XXXX XXXX provides low-interest loans to financially needy students attending institutions of higher education to help them pay their educational costs. '' I do not believe this is or ever was my loan for the following reasons : 1. ) I was not " financially needy '' at the time. My husband and I were in the process of purchasing our first home at that time and we completed the purchase in XXXX XXXX 2. ) We were both employed and earning above average income combined ; and 3. ) It 's unlikely I was enrolled for classes that semester because I was pregnant with my third child ( born XX/XX/XXXX ), my other children were age XXXX and XXXX , all while working and buying a house. The FSA reports that I defaulted on XX/XX/XXXX and paid it in full on XXXX . I have no recollection or record of this and in fact it looks like this amount was rolled into the consolidation loan I obtained and which is the subject of dispute with the servicers. Also, I was surprised to find that my status on Federal Student Aid says " Withdrawn '' and has not been updated to " Graduated '' ( my graduation was on XXXX XXXX XXXX ). Very odd. Stranger still, as I look through the files the documents report my school name as " unknown '' ; and there are multiple account number references. It appears that there is actually more than one " consolidation loan ''. Communications I have received from American Student Assistance Corp. references at least XXXX different " XXXX ID # 's. The first is XXXX , and it lists the servicer as " XXXX XXXX XXXX XXXX '' whom I have never had any loan with and have never been contacted by. The second is XXXX , the servicer is ACS who I had many problems with, and the third is XXXX , also lists XXXX as the servicer. The original problem with the servicers started when I had a financial hardship and requested assistance. They never responded for months until after they notified me of " default '' and then I was 'approved ' for a " rehabilitated loan '' by XXXX XXXX however the documents they sent were " consolidation loan '' documents. I have the original unsigned documents in my file still. I also found a document dated XXXX XXXX rom XXXX that reports a consolidated loan was in forbearance for 73 months. I 'm pretty sure this exceeds the maximum allowed by the DOE regulations and it was my understanding that I was not in forbearance. Finally and importantly, many of the documents they send do not contain ANY account numbers so I have no way of knowing what account ( s ) they are alleging I owe $ $ on. I suspect they are fabricating new loans and possibly using these loans to collect from the guarantor while never disclosing this to me. Essentially, its ' identify theft.
05/06/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 77070	Web
My school closed. It was owned by XXXX College. I first attended when it was XXXX College and then it became XXXX XXXXXXXX University. I attended from XX/XX/XXXX through XX/XX/XXXX, graduating with an XXXX XXXX in XXXX XXXX and XXXX. I started a family and took time off. I returned from XX/XX/XXXX through XX/XX/XXXX. I accumulated approximately {$35000.00} in Federal student loans. Prior to my last quarter to receive my XXXX XXXX, I began contacting other colleges in the XXXX XXXX area such as the University XXXX XXXX Florida so that I could receive my XXXX XXXX from a better known university. I was shocked by what I learned and so discontinued attending XXXX and did not complete my XXXX program. The reason was that while XXXX had told me again and again that my credits would transfer to any other college that I would want to attend, I learned that not only would I have to retake not only my entire XXXX program but some of my XXXX program as well. I was also told XXXX had employment programs for graduates but as it turns out those programs never existed. I was also never counselled on how my student loans could ever be repaid after graduation. I was furious and sought legal help but no one would help me so I just turned my back and walked away. Once I walked away from XXXX that was that as far as I knew. Until not long ago. A few months ago, I was in need of an official college transcript for a job offer. In my attempt to contact Florida XXXX University, I found that the school had closed, became XXXX College, closed again and is now XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and I was able to receive an unofficial transcript but this is not what was needed. After several weeks of contacting XXXX again and again, I was told that while there is a record of my attending XXXX, there is no record of my XXXX and so I could not obtain an official transcript. Needless to say, I did not get the job. My degree is worthless! Since then, I found that XXXX College had been sued in a class action suit, which failed, and also by the CFPB. I just learned that the CFPB had sued and won a settlement against XXXX College in XX/XX/XXXX but XXXX had filed bankruptcy and so CFPB has never collected. I do not feel that I am able to legitimately able to continue using this college information on my rsum as I can not prove that I XXXX yet I have student loans to repay, which are almost double what they were when I XXXX. I do not feel that I should be responsible for these student loans because I feel that I was defrauded. I have nowhere else to turn. I have twice submitted complaints to the U. S. Department of Education, ( XX/XX/XXXX and XX/XX/XXXX ), but have received no response and do not expect to. I also reached out to my lender but was told it could not help me because the school closed after I had XXXX. Is there anything that CFPB can do to help me?
08/14/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	FL 33406	Web	Older American
American Student Assistance ( ASA ) and the U.S. Department of Education have been attempting to collect on an alleged federal student loan in the amount of {$5500.00} ( XXXX ) with no valid promissory note. The law explicitly requires that any electronically signed notes are not acceptable unless there is proof that an electronic signature was affirmatively authorized. I have been attempting to obtain a valid note for years with no resolution. I have now written more than 20 letters since XXXX regarding the alleged loan requesting a copy of an actual signed promissory note or proof that I affirmatively authorized an electronic signature, but they have not been able to produce either. All they can provide is a note with the typed words Electronic Signature on File. No note - no debt. They are ignoring my repeated requests and have filed a garnishment with the Social Security office and funds are being deducted from my monthly Social Security check. They attempted to garnish an income tax refund, but it was denied. The alleged debt is invalid with no promissory note or proof that I affirmatively authorized an electronic signature. Also, the alleged debt has now grown considerably with interest over the years as ASA and the U.S. Department of Education are stalling and can not produce a valid note. Another rather suspicious problem is that the loan holders and loan numbers have continuously changed over the years making it very difficult to follow any accounting of the alleged loan. There is also an alleged loan with the Florida Department of Education for which they can not produce a valid note either. It would seem likely that this issue may have potential as a class-action lawsuit. I am probably not the only person dealing with invalid promissory notes from ASA and the U.S. Department of Education.
12/03/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Hi XXXX XXXX XXXX / ASA ; How are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
03/28/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	OK 74012	Web
In 1987 I took out a loan and it was about {$14000.00}. I let it go into default due to some personal circumstances. I recieved a letter stating that it was in default and I owed {$17000.00}. When I took that loan out, it stated if it went into default, it would be up to 25 % penalties and interest. It did not say, 25 % penalties and interest plus 20 % interest until it was rehabbed and then they would add more and more to it. Now ASA ( American Student Assistance ) have recently hired Performant to collect a separate debt I have not taken out or agreed to pay. The only paper work they have been able to provide is a fuzzy print document with pages missing. ASA claim I agreed to this loan but this is not true, nor have I ever seen the document before. If I had agreed to such a large loan there would be a copy of a loan agreement with my personal signature on it. I need them to stop garnishing my wages for this immediately. They have tried to get me to actually agree to pay this loan I know nothing about and I absolutely did NOT agree to it at any point in my life. This is not reasonable that someone can just " show up '' and say I owe them {$160000.00}! it is illegal and extortionate. I did NOT " electronically sign '' nor did I agree to consolidate or any such nonsense. Now ASA has been garnishing my wages through XXXX for the past year. If they won't provide an actual document to me proving the debt is legitimate, why are they allowed to garnish my wage? The reason they aren't able to provide this documentation is because it doesn't exist. Please make them stop!
11/09/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	MS 386XX	Web
In XXXX, I ( XXXX XXXX ) entered Into a consumer credit transaction XXXX, ( American Student Assistance ) became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, XX/XX/ I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this American Student Assistance has violated many laws according to truth and lending & FDCPA .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I have attached my invoice and License.
07/30/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	PA 191XX	Web
I had defaulted on a FFEL Consolidated loan in XX/XX/XXXX. The loan was then turned over to a collection agency. I have been on a payment plan with this collection agency for 21 years, and I have not missed an agreed upon amount payment, but my loan is still showing to be in default status. In XX/XX/XXXX I received a letter stating " Congratulations, you are only two more on time payments away from qualifying for student loan rehabilitation ... Once your loan is sold, your default will be over ... '' Why only two more on time payments? I just made over XXXX on time payments ... why now? why was n't I offered a rehabilitation 15 years ago? If I was, this loan would have been paid off and I would n't be having a balance of the following : As of XX/XX/XXXX : ( 22 years after going into default ) Accrued charges = {$97000.00} Applied to interest = {$75000.00} Applied to collection costs = {$21000.00} Misc fees = {$470.00} Applied to principle = {$0.00} Payments = {$84000.00} Beginning balance = {$38000.00} Ending balance = {$52000.00} Is it the collection agency or loan holder 's due diligence to collect on a loan and not drag it out? A loan of {$38000.00} and a repayment plan totaling {$130000.00} ... is that legal? A mark up of over 350 % on a Federal Student Loan? When I was making a payment every month for over 20 years.
09/04/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	WA 98030	Web	Servicemember
XX/XX/XXXX I rolled my husband 's and my student loans in to a consolidation with promises of a 3 % intrest rate with American Student Assistance, that never happened. They made prmises they did not keep. On or about XX/XX/XXXX, I requested a forbearance or delay in paying my student loans due to unemplyment and homelessness. I had a XXXX XXXX so I would get my mail. I thought everything was ok and that I got my forbearance. I began working in XX/XX/XXXX, my second paycheck was garnished with no warning. Found out it was American Student Assistance and they started taking a quarter of my wages. Saying my loans were in default. Called them to find out why ... they said the forbearance was denied because I had no phone number I explained I was unemployed and homeless. They said my loans were in default and wages would continue to be garnished. I tried to resolve the issue a couple times stating my wage amounts and what I could afford and did not know what else to do. I believe that the loans were never in default. Also in the last ten years I have never once received a bill or any statements for amounts they received or took other than my wage stubs and tax lien notification from IRS. They have never sent interest paid amounts for tax purposes. I know they have had my address because I received privacy notices.
06/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76006	Web
American Student Assistance purchased this debt from XXXX and decided to temper with the original dates. I contacted XXXX to inquire about the date of delinquency in this account which was the first day after I missed a payment XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above and admitting to the last payment date ... American Student Assistance provided fraudulent information to the credit agencies to default the loan at a later date so the status of limitations can be changed giving them a longer time to try to collect. Negative account information should not be reported after 7 years from the delinquency date which was XXXX XXXX 2009. Yet till this day American Student Assistance is posting negative information and their customer service is unaware of federal regulations and ignore my submitted documents that I provided. American Student Assistance should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.
07/30/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
I submitted a fraud claim to XXXX XXXX XXXX, Federal Student Aid an office of the US Department and American Student Assistance no response XX/XX/2018.Instead my file was transferred to another agency XXXX XXXX on the XX/XX/2018 XXXX XXXX Garnished me illegally. I had legal counsel at that time. We assumed the issue was resolve. I receive a letter from American Student Assistant that I will not be offset XX/XX/2018 I was offset XX/XX/2018 ( enclosed is the letter ) Also I never received notice of Offset. Per the State Treasury funds should be giving back ( letter enclosed ) My Fraud Claim was not reviewed and American Student Assistance refuse to return all funds. I submitted A hardship and I fit every criteria listed even eviction. Also I am on medical leave from my employer due to XXXX. In which I supplied documents I receive no income. American Student Assistance violated FDCPA and FTC and never investigated my claim of fraud also I submitted there letter that they sent me in writing that they will not Offset or take any funds. I forward them back there own letters and documents from the department of treasury Nor Did XXXX XXXX review. All calls were recorded even the call to the State Treasury that there was not a hold on funds. Which was forward to American student assistant, still no resolve.
03/27/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	NY 10023	Web	Older American
The case subject : I was charged with a Student Loan without a valid Legal Document as a proof.The charge was made through a series of very intimidating home phone calls.The year : around XX/XX/XXXX. After my Graduation from XXXX XXXX XXXX XXXX in XXXX XXXX XXXX ( the year XX/XX/XXXX ) I paid two left Student Loans with monthly payments up to XXXX .After this date I was free of debt to XXXX XXXX XXXX XXXX or other Financial Institution. During all the school years my fees and tuition were paid through Grants and Awards Letters received every Semester.As I mentioned above the sudden and unexpected phone calls started around the year XX/XX/XXXX from people from American Student Assistance implying I have a Loan to pay, a Loan I knew nothing about it. What fallowed was a series of disputed and very frustrating phone calls and incriminated letters which went on for years. As a result in the year XX/XX/XXXX my family Federal Income Tax Return started to be collected by XXXX XXXX, a Collection Agency and they keep collecting our Tax Return every year up to present time. Some time ago I was sending a written Complaint to Consumer Financial Protection Bureau explaining my case with more details. The Complaint number is:XXXX and the date submitted to CFPB : XX/XX/XXXX XXXX Product : XXXX XXXX.
08/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX XXXXX	Web
In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and American Student Assistance loans. My XXXX loans were sold to American Student Assistance in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, American Student Assistance reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to American Student Assistance and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of mu XXXX and XXXX report for reference.
03/19/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 75081	Web	Servicemember
In XX/XX/XXXX, I was told that I had completed my rehab by a representative at American Student Assistance or it's representative. I documented the balance due and date. It's below. I waited and called a while after and was told that the loan was sent to XXXX XXXX and the amount was about $ 58K and that I was not out of rehab. I called onXX/XX/XXXX and was told I need to start over my rehab since I asked for proof of amount. They added {$8000.00} to my loan when it was transferred which is what I complained about in XX/XX/XXXX. I want help with getting the phone records from my conversation in XXXX. I called on XX/XX/XXXX again and got got a supervisor named XXXX XXXX. ( XXXX XXXX - XXXX ) She says she will find out who the original college rehab was through. I plan to then ask that provider to review the phone call record from the data below where my balance was given and get my rehab payment record. I need help to make sure this happens as when I call XXXX XXXX, they tell me I need to restart the nine months over again. Monday, XX/XX/XXXX XXXX PM I am to receive letter or email Rehab is done Loan will be in good standard Agency Relations - XXXX Option 2 ASA is the Guarantor of the loan Balance {$49000.00}
04/07/2015	No	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	CA XXXXX	Web
In XX/XX/XXXX I went to a XXXX school at the school, they told me these were PELL grants they were not to be paid back. I was on county assistance at the time my case worker also had to check this paper work because she wanted to make sure i wasnt receiving extra money besides what the state was giving me monthly ... she also told me they would not have to be paid back by me they were federal pell grants given to low income partcipants. in XX/XX/XXXX I rented an apartment and this student loan was a negative mark on my XXXX print out the apartment managers is the one who told me i needed to call these people and find out what this loan was for ... I didnt know anything except that i didnt believe i owed it but in order to get it off my XXXX I needed to make tHese payments and they would put it in a current status and it would no longer show up so i did, until i kept paying on it and instead of it going down it kept going up .. this whole thing makes no sense mainly because no one can come up with the MASTER PROMISSORY NOTE for the original loan so reallywho do i owe and what do i owe and above all else wheres all the money i ve paid with no proof i even owed this in the first place.
05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	SC 29223	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
09/02/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	AZ 85706	Web
" AMERICAN STUDENT ASSISTANCE " HAS A {$160000.00} STUDENT LOAN " DEBT '' reporting on these credit bureau incorrect information a debt that does not exist. This is causing injury, and hindering my life as a consumer. XXXX XXXX, and XXXX credit bureaus, continue to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
03/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 02118	Web
On XX/XX/XXXX, I disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XX/XX/XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX is now American Student Assistant and they are falsely reporting the amount and dates. It states I opened the account in XX/XX/XXXX. I never applied or signed a promissory note for any loan in XX/XX/XXXX. I tried calling the number on the report but it's out of order. I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit by reporting false information.
10/29/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	MA 027XX	Web	Older American
In XXXX I went to college took out students loans has some difficulty sometime paying them I was a divorced at that time I finished college since XXXX I have paid my loan on and according to jobs and job loses. Now here we are in XXXX. I borrowed XXXX XXXX paid back XXXX XXXX towards the loan paid back XXXX XXXX in interest and still owe XXXX XXXX plus more interest They started to garnish my pay take my taxes and that is when I tried to do bankruptcy I am now pulling out of bankruptcy because they can not discharge a student loan. It is very unfair for a loan to to charge me over XXXX XXXX for a XXXX XXXX loan How can I go about getting involved in a class action suit against them taking advantage of me. They are nothing but predators, putting me deeper and deeper in debt when in reality, My loan has been paid off almost 2 times plus. I need some help
01/15/2016	Yes	Other financial service Debt settlement	Fraud or scam	GA 30168	Web
The American Student Services has taken ownership of this account when it was with another other holders XXXX, XXXX and XXXX XXXX XXXX. I have advised them of this. Most recently this agency is profiling me at this date of XXXX/XXXX/XXXX when this account is not assigned to them. My student loans are currently assigned to XXXX. That has not stopped AMERICAN Student Services from causing negative impacts on my credit by putting erroneous information on my credit reports most recently XXXX/XXXX/XXXX with XXXX and XXXX XXXX with XXXX and XXXX..They have attempted to start the this cycle over by putting recent negative late payments on my account when it is not in their ownership. I do not have an account with them.. This appears to be racially motivated due to my previous complaints and previous conversations with older woman at American Student Services..
12/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85706	Web
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) XXXX violations as well. The information was already deleted please delete them for good, XXXX XXXX XXXX ( still reporting ), AMERICAN STUDENT ASSISTANCE has emailed me that they will be selling my information yet again to XXXX XXXX. I have not authorized this nor should be reporting on my report, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character.
10/20/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	OK 745XX	Web
My student loans have been sold more than once. XXXX XXXX XXXX XXXX is a collection agency for American student assistance. They have me owing XXXX. I did not borrow that much money. They have the principal at XXXX did not borrow that much. They have the interest as XXXX. Collection cost XXXX. I do not have a problem paying back what I borrowed but these fees are outrageous. I recently made arrangement to pay XXXX $ a month but I have had some changes in my income. I have tried repeatedly to contact them and never get an answer, just a voice mail I leave my name and number and why I ', calling and if they do call me back they never leave me a message. I received a letter XX/XX/2021 about the matter and said for me to call. I did and got the same no answer. I'm afraid they are going to Garnish my pay and I can't afford that.
05/02/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	CT 06457	Web	Older American, Servicemember
My name is XXXX XXXX. A student debt loan obtained to pay for my son 's studies was sent to collection at the XXXX XXXX for a balance of XXXX. Dollars. On XX/XX/2022 XXXX XXXX cashed XXXX checks totaling over XXXX Dollars that included the balance due and the extra money. When I attempted to get my money back, the figure they initially quoted me was inaccurate. They had forgotten {$10000.00}, a mistake I hope. When I insisted, they assured me that I would receive a check within 60 days ( of what, I don't know ). Several questions came to me after this experience, particularly after I spoke with an XXXX XXXX representative who indicated that his " finance department '' was now " examining '' my case : was the balance due accurate? Do they have the right to keep my money, and haggle about it? what are my rights?
01/08/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60628	Web
I sent a letter to American Student Assistance letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and American Student Assistance refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. American Student Assistance provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
05/09/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	VA 22102	Web
Dear Sir/Madam : Please be formally informed that neither the US Department of Education not the American Student Assistance has sent me any information about being in default or late on payments. I have never obtained a letter from the latter stating that they currently represent the debt nor a phone call discussing the matter. I have never been given due process to dispute the debt or discuss any solutions with the organization. I ONLY obtained notice from my part time employer that the funds were being withheld as of the next pay period. Furthermore, the amount attempting to be collected at 15 % is egregious and will result in major hardship to me. I need to have this matter resolved immediately and I thank you in advance for your help.
08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89106	Web
I sent these creditors debt validation letter 30 days ago asking for your company to provide me with proof that I own this debt, and these companies has failed to respond. I then looked at my credit report and noticed that these creditors are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if they failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}.
06/12/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	HI XXXXX	Web
American Student Assistance has listed the exact same debt with two different account numbers on my credit reports, showing I don't owe XXXX but XXXX! I have contacted them and the credit bureaus and they will not remove it. They also send me threatening letters that they will confiscate my income. They also call my employer and me and work, as well as send the letter to my employer. I'd like the reports updated and the contact to stop. I have asked for it to be corrected, but nothing has happened.
05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90713	Web
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately DEPTEDXXXX XX/XX/XXXX Balance : {$19000.00} DEPTEDXXXX XXXXXX/XX/XXXX Balance : {$11000.00} DEPTEDXXXX XX/XX/XXXXXXXX Balance : {$16000.00} DEPTEDXXXX XXXXXX/XX/XXXXXXXX Balance : {$420.00} AM STD ASST XXXXXX/XX/XXXXXXXX Balance : {$4800.00} AM STD ASST XX/XX/XXXXXXXX Balance XXXX {$1800.00}
08/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA XXXXX	Web
I have a loan with AM STD ASST, XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, AM STD ASST, XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
08/01/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NH 032XX	Web
XXXX parent plus loan..paid on time for 5.5 years..bills stopped. XX/XX/XXXX2018. Found a new ffel CONSOLIDATED loan done online in my name I did not initiate now getting IRS OFFSETS tis how i found out..ruined credit..3 months of different collection groups..tid bits of info..i requested a computer address of the loan..no info i requested a discharge got denied
07/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MS 39212	Web
Account was paid in full on XX/XX/2019 and still showing on my credit report with an amount. The accounts are showing up twice on my credit report. Also, my income taxes was taken twice by this company. Second time I call and had to wait for them to send my check back to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
01/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MS 386XX	Web
After looking over my credit reports. I realize that this company American Student Assistance is reporting this debt on my credit report. This debt is defaming my character, ruining my life, ruining my credit profile, they are harrassing me which is a violation according 15 USC 1692 a.b.c.d. I have attached my SSC AND ID
05/05/2017	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	OH 44685	Web
XXXX aka American Student Assistance. They have a wage garnishment & have intercepted my tax returns. Yet they call repeatedly ALL day long, never leaving a message. Since the garnishment took effect : XXXXXX - XXXX EST XXXX XXXX - 16 calls XXXX XXXX - 46 calls XXXX XXXX XXXX - 9 calls
03/11/2018	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	WA 98502	Web
this account has been transferred to XXXX XXXX XXXX and is currently being paid through that lender. I have asked for the account to be removed due to current student loan status and was refused, account information is inaccurate ; date opened shows : XX/XX/0001? what is that?
06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90292	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
06/14/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90038	Web
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
03/14/2016	No	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	FL 33618	Web
I had my student loans down to {$6000.00} 15 years ago and now my current balance is $ XXXX. These are supposed to be low cost loans but I 've been paying 8 % interest for almost 20 years, when interest rates have been at record lows! How can this be justified??
10/08/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	IN 47404	Web
American Student Assistance ( ASA ) consolidated my student loan under a made up interest rate. Harassed friends and family over false debt. XXXX XXXX directly at XXXXXXXXXXXX or by phone at XXXX ext. XXXX.
03/12/2020	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
08/14/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	GA 31601	Web
I contacted asa by certified mail to send me a copy of the original copy of the loan with my signature on the documents and to this date haven't received any information about the loan.
05/14/2020	Yes	Student loan Federal student loan servicing	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
05/21/2021	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	FL 33709	Web
I filed for XXXX discharge as well as borrower defense with dept of Education. On my credit report they have my student loan derogatory for {$11000.00} {$6800.00}
04/29/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	OH 43560	Web
American Student Assistance unlawfully garnished my income tax return. I am not liable to any debts owed to American Student Assistance.
11/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 847XX	Web
American Student Assistance @ XXXX has been resolvred/paid in full - previously this was a defaulted student loan
05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	SC 290XX	Web
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.
11/01/2023	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	OR 97045	Web

10/19/2023	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	NV 89145	Referral

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90046	Web

05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30016	Referral

12/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30096	Web

09/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11429	Web

08/18/2021	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	VA 23320	Web

07/16/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	CT 06460	Web

01/22/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	MD 20814	Phone

12/17/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	CA 91741	Web

10/21/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	CA 92139	Web

10/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30157	Web

08/03/2020	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98626	Web

06/04/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	DE 19850	Web

05/14/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 91380	Web

03/04/2020	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	DE 19850	Web

02/27/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MA 02780	Phone

12/09/2019	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	OR 97225	Fax

10/29/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	WA 992XX	Web

06/20/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	VA 22302	Web

05/16/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	VA 22102	Web

01/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27407	Web

10/07/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	TX 77057	Web

09/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30236	Postal mail

09/05/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	FL 33558	Postal mail

08/28/2018	Yes	Student loan Federal student loan servicing	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94590	Web	Servicemember

08/19/2018	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 77459	Web

07/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CA 92139	Web

03/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85013	Postal mail	Servicemember

03/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 01757	Web

02/23/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	NY 11763	Web

12/19/2017	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	IL 60438	Referral

10/02/2017	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	NY 10473	Web

08/02/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37075	Postal mail

07/31/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	NY 11412	Web	Older American

07/19/2017	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	GA 30319	Postal mail

07/14/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	MD 21702	Web

04/13/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	IL 60660	Web

04/10/2017	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	TX 78501	Web

03/22/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	MS 38639	Web

02/19/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	OR 97213	Web

02/09/2017	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	WA 98093	Postal mail

12/21/2016	No	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	NJ 07083	Web

11/03/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	CA 91356	Web

08/02/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	RI 02920	Referral

03/15/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	OR 97209	Web

11/17/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MI 48089	Postal mail

09/15/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	NY 10510	Postal mail

09/06/2015	No	Debt collection Non-federal student loan	Taking/threatening an illegal action Seized/Attempted to seize property	SC 29078	Web

08/12/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	WA 98033	Web	Older American

07/28/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	WA 98118	Web

04/21/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	FL 33618	Referral

12/27/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	GA 30168	Web

12/15/2014	Yes	Student loan Non-federal student loan	Getting a loan Qualify for a better loan than offered	GA 30168	Web

12/15/2014	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	MA 02136	Web

12/04/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	GA 30311	Referral

11/25/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	FL 32256	Web

11/03/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	TX 78504	Phone

10/23/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NV 89512	Web

09/27/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	TX 76036	Web

08/15/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't temporarily postpone payments	NY 11217	Web

07/27/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	AZ 85140	Web

07/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 34683	Postal mail

07/21/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	PA 15235	Web

06/19/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	TX 77598	Referral

05/14/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	FL 32225	Referral

04/01/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 61244	Web

04/01/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Need information about my balance/terms	MD 21046	Web

03/24/2014	Yes	Debt collection Federal student loan	False statements or representation Indicated committed crime not paying	LA 71033	Web

02/25/2014	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	NY 11234	Web

02/21/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	GA 30328	Web

01/30/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	DC 20012	Web

12/16/2013	Yes	Student loan Non-federal student loan	Repaying your loan	TX 75605	Web

11/26/2013	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	OR 97024	Web

11/25/2013	Yes	Debt collection Payday loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	TX 75067	Web

11/23/2013	No	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	TN 37212	Web	Servicemember

11/06/2013	No	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	TX 76148	Postal mail

11/05/2013	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	AL 36265	Postal mail

10/28/2013	No	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	PA 15227	Postal mail