| 07/07/2019 |
Yes |
- Student loan
- Private student loan
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- Getting a loan
- Fraudulent loan
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To whom it may concern, I am writing this letter to have my student loans discharged due to attending XXXX from XX/XX/XXXX to XX/XX/XXXX due to fraudulent practices to deceive.
I was lied to and deceived by the staff at XXXX XXXX ; The campus I attended was the XXXX, FL campus for the XXXX program.
While taking the tour of the XXXX XXXX campus I asked if the school was accredited, due to working experience of XXXX XXXX XXXX for over a decade and understanding the weight of graduating from an accredited program.
Ms. XXXX XXXX the Program Director and a XXXX herself, additionally a stated consultant for an attorney firm. With the above stated credentials, she represented herself as credible resource I chose to believe the information she presented to me as truthful. Ms. XXXX stated to me that XXXX XXXX school was in the process of becoming accredited with the XXXX XXXX XXXX XXXX ( XXXX ). The process would happen very quickly and once accredited they would retro back the accreditation to previous XXXX XXXX students that graduate from their program prior to actual Accreditation.
THIS TURNED OUT TO BE A PROVABLE LIE as covered in the next couple paragraphs.
With this information, I began the application process to enter the school. I passed all the tests for entrance into the program. Which they removed the science portion of the entrance testing 2 weeks later due to not enough people passing the exam.
I met with the Financial office and signed the appropriate forms. It was never discussed or disclosed to me about a private loan that I would have to pay after graduation or leaving XXXX. Additionally, a {$2000.00} fee was due upon graduation or leaving which was also not discussed or disclosed to me. The financial representative did state I would sign over my Pell grants to offset the additional money owed above the Federal Student loans. It was stated to me by the Financial representative working for XXXX, that the only additional funds owed would be covered by my Pell Grants.
This was not the truth I have an additional personnel student loan that I am currently paying to XXXX XXXX until XXXX.
Again, THIS WAS ANOTHER LIE AND DECEPTIVE PRACTICE.
While attending XXXX after my second round of financing ( 9-month cycles ). Many other students in my class started to question the accreditation status. Ms. XXXX XXXX Program Director stated a representative would be coming to the school from the XXXX to do an inspection for our application process for accreditation. A person came to the school and did a fake inspection of the facility. XXXX XXXX informed us we did wonderful on the inspection and the process was almost complete for the XXXX accreditation. After spending over a year with XXXX XXXX I could sense when she was lying ( the fake inspection ) seeming to be one of those moments which caused me to call the XXXX.
I called the XXXX and it was verified by the XXXX, they did not send anyone to XXXX in XXXX to XXXX, Florida for an inspection. Additionally, the XXXX wanted to know who it was that went to XXXX and fraudulently represented the XXXX. No business cards were given at the time the lady represented herself as an auditor for the XXXX.
The XXXX also stated the application process could only happen after a pass average from XXXX happened on national testing XXXX boards of 85 % and then it would be a 2-year process after the passing average to possible obtain accreditation. The representative stated that the XXXX will not retro back accreditation to previous graduates.
IF THEY WERE TRUTHFUL I NEVER WOULD HAVE GONE TO XXXX.
Due to the information from the XXXX I felt I had no other recourse but to leave XXXX and go to an accredited XXXX school which I went to State College of XXXX. Not a single credit from XXXX transferred to XXXX due to non-accreditation of any kind, not even general education course work transferred. It caused me to repeat 2 years of education that I wasted at XXXX.
With the past and current litigation proving fraud and deceptive practices on XXXX behalf. I am asking that my student loans from XXXX be considered for discharge due to their fraudulent nature.
Sincerely, XXXX XXXX XXXX
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| 03/27/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Trouble with how payments are handled
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Web |
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This is a letter that I sent to the companies describing what happened : First Associates Loan Servicing XXXX XXXX XXXX XXXX CEO Legal Department CEO Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX Loan To Whom It May Concern : I am writing to you concerning my XXXX XXXX which seems to be lost in transition and I am not sure who hold this loan between your XXXX companies.
In XX/XX/XXXX, I received two letters from First Associates ( enclosed ) stating my loan would be transferred to XXXX. I made my XX/XX/XXXX loan payment to First Associates are required. XX/XX/XXXX I called XXXX to ask if I could make an electronic payment to the address listed on the letter and if I had a new loan number because I did not receive any documentation from XXXX. XXXX representative stated that I could not make a payment to them yet because my file had not been transferred but would be after XXXX.
In XX/XX/XXXX, I called XXXX because I still had not received any documents from XXXX. XXXX representative stated they could not take my payment because the files would not be transferred to its office until after XXXX XXXX. and that I should call back in XX/XX/XXXX. I then called First Associates to ask if I could make a payment to them and they stated no because my loan had been transferred.
In XX/XX/XXXX, I called XXXX and the representative stated that First Associates calculated the interest wrong on the loans. XXXX was requiring XXXX to calculate all loans again before any payment could be made and it should be complete after XXXX XXXX.
I called XXXX on XXXX XXXX and asked about the status of my loan. I specifically asked if I was being charged late fees and if the interest was accruing during this time period, since the problem was with the companies and because of nothing that I had done. I was told that information would be sent before XXXX XXXX to me and that no late fees or interest was accruing during this time period because XXXX was still calculating past interest that First Associates had not calculated correctly.
On XXXX XXXX, I received a call from a XXXX XXXX from XXXX and XXXX stating that my loan is in default and was sent to their collection agency in XX/XX/XXXX. He stated that the company sent me a letter XX/XX/XXXX which I never received and sent another one on XXXX XXXX which is enclosed. I told XXXX XXXX about the phone conversations I had with both First Associates and XXXX. XXXX XXXX stated he would look into the problem and get back to me.
After speaking with XXXX XXXX, I called XXXX to find out what was going on with my loan and why I was sent to collections. I gave XXXX representative my name ( who did n't even ask for the spelling of my last name ), he stated they do not have any record of my loan every being transferred. I then called First Associates who assured me that my loan had been transferred to XXXX and they could no longer assist me.
After speaking with First Associates, I called XXXX XXXX back to ask for a copy of my promissory note. The representative said that I could not wait on hold, I could not leave a message, and I needed to call back.
At this time, I have not received any information from XXXX nor have I heard back from XXXX and XXXX. I do not know who holds my XXXX XXXX. XXXX and XXXX said they received my XXXX XXXX in XX/XX/XXXX. At that time, I would have only been one month 's payment behind which seem very quick to send someone to collections who has been making all of their previous payments. Especially since I was told I could not make a payment to XXXX because First Associates did not calculate the interest correct and First Associates would not take the payment either.
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| 09/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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1. The VRAP ( Veterans Readjustment Act Program ) was educational funding for unemployed veterans to attend a technical school. I applied for and was accepted at XXXX University, one of the most highly ranked technical universities in the country. The XXXX I enrolled in was a XXXX course XXXX course of study, culminating in a XXXX in Supply XXXX.
2. After I had submitted my acceptance information to the VA, the VA informed that VRAP funding was limited to two-year educational institutions. I appealed to the VA ( Veterans Administration ) regional office in XXXX, GA, and I had a face to face meeting with U.S. Representative XXXX, who at the time was running for office. In my appeal to the VA, I explained that I had an XXXX and XXXX and that my attending XXXX College ( A XXXX college ) was not the best utilization of limited resources designed to help me obtain employment. XXXX XXXX, now Rep. XXXX, agreed with me and had congressional staff contact me for additional information. That information was the center of an extended dialogue with the VA. All efforts at reason failed!
3. I enrolled at XXXX College as an unemployed veteran. The program I enrolled in was the XXXX XXXX XXXX Program ( XXXX ). VRAP provided veterans twelve months of educational benefits. Once the clock begins to toll, I had a twelve-month window during which VRAP funding paid for my classes. One of the requirements for the program was that I had to be a full-time student. I soon found establishing a class schedule an exercise in futility as XXXX never made available the classes I needed to complete the XXXX XXXX program. This dilemma was made known to the XXXX College 's VA office. To maintain full-time student status and funding I was forced to enroll in classes I could have taught. At XXXX, mine was a XXXX existence. During my time at XXXX, XXXX courses listed in XXXX 's course catalog, however, none of the core XXXX courses ever came to fruition.
My enrollment at XXXX was a carnival of the incompetency. The VA forced me to enroll at XXXX because the school fits the criteria established by the VA, a two-year school, offering a particular course of study. It mattered not at all if the school would maximize the return on investment for the benefit eligible student trying to reenter the workforce. After I appealed for sound and logical reasoning on the part of VA, then had a U.S. Congressman intercede on by behalf, it was to no avail. I subsequently enrolled at XXXX College, and then XXXX College never offered the required classes.
But for XXXX failure to offer advertised classes, courses that the VA and I thought would be offered, the debt at issue would not exist. To add insult to injury, at the end of the one-year time allowed to complete my studies under VRAP, XXXX College Staff, via my XXXX Student email sent me information about XXXX. After spending a year as a XXXX student, I wanted to have something in hand reflecting time spent at XXXX. I enrolled in an XXXX logistics program, completing that program in less than two weeks. None of the courses taken at XXXX during the previous year had any bearing on the XXXX certificate of completion I received. In essence, I spent a wasted year at XXXX College.
After leaving XXXX as a student, I wrote XXXX and XXXX stating my dispute of any alleged debt levied against me by XXXX. The alleged debt was non-the-less sold to First Associates. Phone calls from First Associates started to come every day, multiple times a day, and the hang-ups became so unbearable I was forced to hired a lawyer to seek relief. Correspondence from that lawyer to XXXX was returned stating no such company found at the addressed.
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| 06/02/2017 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
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Web |
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I attended XXXX through XX/XX/XXXX - XX/XX/XXXX . I went to XXXX XXXX to find information on what is involved in attending that school. I had already visited other " for-profit '' schools in the area including XXXX 's XXXX and University XXXX XXXX . While at XXXX XXXX , I was asked to sign some documents which they stated would only : a ) check my credit score and b ) my eligibility to obtain federal & private loans. Despite asking about grant eligibility, XXXX never gave me any information or help in searching, finding, or applying for grants. I was asked to return the next day when the information requested would arrive and to my surprise, I was told that I had already accepted the loans. I was not aware that I was accepting responsibility for, or taking on, any actual loans but despite telling them I had come in looking for information they told me I had already signed to take the loans and begin enrolling into the school. At this point, under pressure from both recruiters and financial aid employees I believed the only option was to accept enrollment and the loans. At this point, I was not aware of private student loans or how they function. This was not explained to me until I was half-way through th e 2-year progr am. In this situation, I was called into financial aid due to an issue with my funding. It was explained to me that federal student loans can only cover 90 % of my tuition and I would need to find another source of funding. I did n't have the money they were requesting me so they told me I am officially dropped out of the program and my loans are going to come due. Financial Aid then told me I may have a longshot chance at getting funding from a bank and gave me a list of a couple of them that I can apply for. I recognized one of th e companies ( XXXX -- a company I worked for previously but was a XXXX XXXX ) so I chose that one. XXXX had me sign some more documents but still told me I could not attend until the extra funding came in. To recap, I was told my student loans are going to be due and that I owed XXXX for extra tuition plus. At this point my parent helped me by making monthly payments to XXXX XXXX directly of {$200.00} for 2 months when XXXX called me and said that the rest of the funding is going to be covered by private student loans. I still did not receive any details about these loans until after I graduated. Throughout my entire experience with XXXX XXXX I was never explained how federal student loans work, how FAFSA works, or how private student loans work. I have no idea what I paid for or why I had to make those payments and this does n't even cover the lies I was told about wages and employment I would be eligible for post-graduation. In short, I was promised XXXX - XXXX in XXXX XXXX & XXXX work but the only jobs I could get ( and the only jobs XXXX would refer me to ) were entry-level, XXXX XXXX jobs. I was the only person in those jobs that had a " XXXX XXXX '' degree.
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| 04/22/2019 |
Yes |
- Student loan
- Private student loan
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- Getting a loan
- Confusing or misleading advertising
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Web |
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My name is XXXX XXXX DOB XX/XX/XXXX My SSN : XXXX I have applied for federal loan forgiveness through with " borrowers defense to repayment ''. Ive sent in 3 applications since late XX/XX/XXXX, most recent submission made was within the last 30 days (XX/XX/XXXX ). Ive had no communication regarding my filed application other than confirming it was received. From what I can tell, the application has seen no movement.
I have enrolled in an Income-based repayment plan for my federal loans. XXXX XXXX employed high pressure recruitment and sales tactics. They misrepresented graduation success, job placement rates and salary figures that were misleading. I went to school there and was taught outdated material. They said I would be getting a better education for a better price than if I went to a state college or university. I now sit here with a poverty wage job and {$74000.00} in debt. There have been lawsuits against XXXX ( whom declared bankruptcy after losing federal financial aid funding in XX/XX/XXXX ) in regards to predatory and deceptive behavior. I have been defrauded by XXXX XXXX XXXX. I worked hard every day I went to that college and no one was interested in hiring me. Most jobs that were sent from the career services department at the college were entry level technical support jobs that offered XXXX XXXX an hour. They hardly spent any real time helping students. All they wanted to do was put me on their email blast mailing list for jobs.
There has been several cases involving XXXX XXXX XXXX including a class action lawsuit that was settled in favor of the student borrowers behalf. In some of the supporting documents I have pertaining to this complaint. In sperate lawsuit, the PEAKs loans have been referred to as " akin '' to the " sub-prime mortgage loans '' in the XX/XX/XXXX financial crisis. I seek forgiveness from this debt. I believe XXXX XXXX XXXX must be held liable for the financial ruin they have brought to not only myself, other Oregonians and students around the nation. presently I am sending nearly half my monthly income to pay towards these loans. I can only afford to do minimum payments. If I dont miss any payment or go into default I may be forgiven from my loans over the course of a few decades.
I have 2 loan servicers 1st Associates ( Phone : ( XXXX ) XXXX Mail : XXXX XXXX XXXX XXXX XXXX, CA XXXX ) account # : XXXX and account # : XXXX ( private loans ) XXXX ( Federal loan Phone # : XXXX ) ( Private loans phone # : XXXX ) Monday Thursday XXXX XXXX XXXX XXXX and Friday XXXX XXXX XXXX XXXX ET account # : XXXX ( for all XXXX managed loans ) I have filed this complaint under the private loan flied, though I have taken out both public and private loans to attend this shoddy college.
I implore you to contact me so I can furnish some of the documents regarding XXXX XXXX XXXX and additional supplemental information. I can send those files.
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| 03/02/2017 |
Yes |
- Student loan
- Non-federal student loan
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- Can't repay my loan
- Can't get flexible payment options
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Web |
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I attended XXXX XXXX from XX/XX/XXXX in the XXXX. They promised me competitive job wages, job placement and above all affordable loans. When i was about 6 months into the program i had acquired a decent job, and was unable to get anymore federal loans and decided i was just going to quit the program and cut my losses.. They informed me that if i dropped out i would be held responsible for the entire cost of the program without obtaining my XXXX degree, and not to worry because the loan payments were very affordable and kept urging me to apply. They were constantly pulling me out of class to discuss loan information. I didnt want to get kicked out liked they had threatened, so i continued to apply for these loans. They assured me they had other " affordable '' loan options thru a private company called XXXX, a.k.a., peaks loans. When i had to start paying back my loans, the payments were way too high to afford. The only options they gave me was 6 months deferment, and a graduated payment plan that only applied to XXXX out of the XXXX loans, and were still XXXX a month, with an increase every six months. I told them I couldnt afford that either, and they asked what i could afford. At the very most, XXXX a month was it, to which they replied id default on my loans. I asked what would happen if i just sent in payments, they told me it wasnt even enough to cover the interest and they would pursue collection action. They kept telling me the wages in this field were very competitive and that i would have no problem paying back my loans. Once i started getting phone calls from XXXX, they were rude and i felt like i was getting calls from a collection agency. When i tried to call the school and talked to the person that was in charge of my paperwork iwas always told they were unavailable and to leave a message. Of course, i never got a call back. I wanted to know why i had signed paperwork for loans that were supposed to be affordable but werent. The starting wages for this position were mostly at 10 dollars an hour, barely above minimum wage at the time! I have a family to provide for, I couldnt afford that let alone, make high payments with high interest rates. Ive read so many stories like mine and it makes me angry that they bullied me into something i could have and tried to avoid. Right now im trying to consolidate my federal loans because i cant even afford those either, If theyd been honest with me about dropping out i wouldnt be in this situation. Id also like to add that the schooling was mediocre at best. There were times in some classes when our teachers would tell us to just " XXXX '' something instead of actually teaching us. This school was a joke and has completely wasted my time and now ive thrown away XXXX dollars of my money im going to have to pay back.
|
| 05/10/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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I attended XXXX XXXX XXXX XXXX , XXXX through XXXX , XXXX and received my XXXX in XXXX XXXX XXXX XXXX with a GPA of XXXX . In talking with the recruiter, I feel I was wrongly advised to take on loans which I was not, and would not be after graduation, prepared to repay. When I was nearing graduation, I sought help with the job placement department and was told to wait until my final quarter until I could receive any help. I found the jobs I was offered to be very low in wages, nothing near the advertised salaries for graduates in my field. I was told that XXXX had a close relationship with employers, who had several training points that XXXX would train us on but upon entering the job market, I realized the technology I was taught was outdated and too broad to be considered useful in the real world. I took out federal as well as private loans. My private loan amount, with Peaks Private Loans, totals {$11000.00}. I have been trying to pay off my loan for the past four years since graduation, with some forbearances in between, but my payments are never enough to catch up to the interest that accrued during my forbearances. I no longer have any forbearance left to pay and my income-based payment amounts are not sufficient to pay off any of the principal. I am drowning in debt and contacted regularly by Peaks to repay this loan which I deeply regret taking out. The education I received was incredibly lacking and was catered for the students who were doing the bare minimum. All too often, when asking clarifying questions, the teacher would tell me they did not have the time to answer my question or that the curriculum did n't allow for such depth of knowledge. In class problem solving was not teaching me the way the technology worked, it was a controlled environment, meant for the laziest of students to find the obvious answers. When I asked the teachers for help with problem solving, I was told to confer with my peers, who were just as unprepared as myself. Our team would tirelessly work to solve the problem, unable to learn the principle. Other students, who chronically misbehaved and underperformed, were given a passing grade for doing much less work. We all received the common denominator level of education. My education was largely the result of my own efforts, reading the text book several times over, doing independent research online on the subjects. In class learning was a very base level education on outdated technologies, and in way too many fields of study. There was not sufficient time to learn any of the topics as the curriculum was constantly moving onto the next field with the very broad " computer and electronics engineering technology '' area of study. XXXX XXXX
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| 06/05/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I requested to have a private student loan from XXXX /1st Associates Loan Servicing ( XXXX ) in the amount of {$1700.00} in order to take a XXXX XXXX XXXX class ( course code : XXXX ) through XXXX XXXX XXXX College. I was enrolled in the course on XX/XX/XXXX and approved for the loan through XXXX / 1st Associates ( XXXX ) on XX/XX/XXXX . On XX/XX/XXXX , a few days after being approved for the loan, I contacted XXXX / 1st Associates ( XXXX ) and advised them that I decided not to take the course through XXXX XXXX College and that I needed the course cancelled/dropped. I asked both the XXXX and 1st Associates ( XXXX ) representative to cancel the loan I was approved for through them, being that I had no need for the loan because I cancelled/ dropped the course ( which I never took or started ). I was told by both the XXXX and 1st Associates ( XXXX ) representatives that the loan would be cancelled. As of today, the loan has not been cancelled as promised and they are reporting a delinquent status each month on my credit report. I have tried numerous times to get this issue resolved with XXXX and 1st Associates ( XXXX ), but I keep getting the run around, both pointing the finger and referring me to the other. Neither has provided help in getting this debt removed from my credit report. Earlier this year around XX/XX/XXXX , I spoke to XXXX XXXX , Collections Supervisor at 1st Associates Loan Servicing about this issue. He told me that he see in their notes where I requested to have the loan cancelled, but he has done nothing to assist me in getting this debt cancelled and removed from my credit report. He keep referring me to XXXX . I spoke to XXXX XXXX , Admissions Representative with XXXX as instructed by XXXX XXXX . I explained to XXXX XXXX that I spoke to him in XX/XX/XXXX and asked to be dropped from the course and have the loan cancelled. He stated that he see in his notes where I made this request. During my conversation with XXXX XXXX in XX/XX/XXXX , I was told by XXXX XXXX that XXXX do not handle or finance loans, this is handled by 1st Associates Loan Servicing. I really need help with getting this issue resolved and having this debt removed from my credit report. Neither XXXX or 1st Associates is willing to make right on this issue. It seems as if XXXX and 1st Associates is operating under shady practices and they are fraudulently reporting incorrect information to my credit report each month and have refused to assist me in getting this resolved. I have recently tried to cont act 1st Associates Loan Servicing but th e phone number is no longer is service. I am not sure if they are out of business.
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| 08/07/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
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I received the following e-mail this morning XX/XX/2018 at XXXX XXXX from XXXX XXXX XXXX. I have two loans through XXXX, only one was affected.
***Past-due*** We get it, life happens and oversight occurs. We noticed that the payment on your education loan ( s ) from XXXX XXXX XXXX Loans is now at least one payment past due.
If you have already made your payment, thank you. If you have overlooked making your payment, please send it promptly. You can make your payment online by visiting our web site at XXXX, you can call the number below, or you can mail a check to the address listed below. Check payments, made payable to First Associates Loan Servicing, should be sent in U.S. dollars drawn on a U.S. bank account. Please be sure to write your account number on your check.
Mail Payments to : First Associates Loan Servicing C/O XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Please note that under the terms of you loan agreement ( s ) XXXX XXXX XXXX XXXX may charge you late fees on any payment that is 15 days or more past due.
If you are having difficulty meeting your scheduled payments, you may be eligible for assistance.
We urge you to contact a servicing team member at XXXX, or visit our web site at XXXX for more details. Our hours of operation are XXXX XXXX to XXXX XXXX Monday thru Friday XXXX and Saturday XXXX to XXXX XXXX XXXX. If you have already paid your past due balance, please disregard.
As required by law, you are hereby notified that we may report information about your account to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
THIS IS AN ATTEMPT TO COLLECT A DEBT. ALL INFORMATION WILL BE USED FOR THAT PURPOSE.
Sincerely, XXXX XXXX XXXX XXXX Customer Service *************************** ***ACTIONS TAKEN*** *************************** I logged into my account and found that the amount that I owed was {$5.00}. At the time I was setup for auto-payment through their customer website https : XXXX. I tried paying the amount owed through their website, but was unable to as I was setup on auto payment. I called their support number and the support person told me that the amount that I owed had gone up. I had them remove auto pay as their is no use having auto payment if the full amount owed isn't covered and have since paid the amount owed, I was not charged any late fees or penalties, however I think this is a rather deceiving practice and needs to be looked into. Note that this was the first e-mail that I received that the amount that I owed would be going up.
|
| 09/12/2017 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
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Web |
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This account XXXX was open on XX/XX/XXXX and is inaccurate because this account was open without my authorization, when I attended XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX for the only loan the I was aware of was for the financial aid offer thru department of education. The financial aid staff fill out my application for my financial aid the whole process was done in a rush and everything was done e-sing thru the application on the computer. My understanding was the I was signing my financial aid application. I didnt know nothing about the XXXX XXXX XXXX loan offer thru First Associates, I found out about this account 6 months after my graduation. I send a letter on XX/XX/XXXX to first associate requesting the removal of this loan for the reason the I didnt authorize this loan. They replay on XX/XX/XXXX staying ( That understand I have requested debt forgiveness. they are not a branch of XXXX. There administrative authority is strictly limited to the terms of original contract terms. The unfortunately they can not make changes or otherwise modify contract terms, including but not limited to my request for debt forgiveness. ) This application was not fill out or sing by me and I can prove it, the copy of the contract they send to me the information is not accrued. This application was done in XX/XX/XXXX and in one part of the application said ( XXXX XXXX XXXX ) Im a us citizen sent XX/XX/XXXX this application was done fraudulently is unfair the I have to be paying for something I didnt authorize. Since I finish XXXX I have not been able to find a job, the job in this field require a XXXX XXXX or higher education. Now this account is on a collection status of {$6000.00} on my credit report. I am so disappointed I spent 2 year after a degree the is not good for nothing I have a debt the I 'm not able to pay. to be in a worse situation my landlord is asking me for the apartment the I 'm leaving inn at the moment and because of this debt I 'm not able to find a good place to live because of this school and this private loan my credit is not good. I 'm not going to be able to rent a good apartment or buy a house, get credit card, or improved my credit rating. This has ruined me more financially the I was before. Now I will be ending up in a shelter with my XXXX kid because this school mislead me with false information they assure me they will help me obtain more desirable jobs and higher income to better my live and my future and now i do n't have nothing only more problems them before
|
| 07/30/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
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I would like to request an investigation be launched into the lending practices of Peaks Private Loans. I submitted a complaint with the CFPB on XXXX XXXX, 2017 and received a denial reply from Peaks Private Loans. I was misled by XXXX XXXX XXXX to apply for loans which I was not, and never will be, able to pay off, due to the level of education and resources given to me by XXXX XXXX XXXX. Due to my income level, I have accrued an overwhelming amount interest on my loan and my loan is becoming increasing improbable to be paid off. Peaks Loan refuses to work with me to pay off my loans in a reasonable way. I have exhausted my forbearance allowances with them and my income-based payments will never pay even the interest accrued on my account. I have been trying to make the minimum payment each month but it is only going toward my interest. I now owe much more money than I borrowed and the principle balance has gone down very little, with the interest being thousands of dollars. I have paid Peaks Loan thousands of dollars over the last few years and have nothing to show for it. I borrowed this money in hopes of bettering my future and becoming a useful member of the job force but I am not working in the field I studied for, due to the lack of education given to me by XXXX. I have spent thousands of dollars in paying back the interest accrued on my loans for a degree from which I have not benefitted. I am in debt for a degree which is not very helpful in getting me jobs, from a school that was shut down because of predatory lending practices, and have ever-increasing interest from a company that lent me money knowing I wouldnt be able to pay them back on time. I contacted Peaks Loan through CFPB, bringing to their attention the sneaky ways in which they lent me money, and was sent a firm denial in return. I ask that your organization investigate their lending practices and refusal to work with my balance due, in light of the recent exposure to XXXX predatory lending practices, with whom Peaks Private Loans was involved. The education I received from XXXX was not sufficient to prepare me for the job market, the market which would afford me the salary to pay off my loans, that they promised. Please help me to be the asset to the economy which I sought to become when I borrowed from Peaks Private Loans. Thank you for your time.
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| 04/23/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
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From XX/XX/XXXX to XX/XX/XXXX I attended XXXX XXXX in XXXX, Ohio. The school has been shut down due to fraudulent behavior. First, I feel that my degree in, XXXX, XXXX XXXX XXXX is worth nothing to me since I didn't learn anything. Our professors/teachers gave us the answers to all of our exams. Everyone in our classes always passed. I am now stuck with huge student loans and am having troubles in the field, because of the lack education. I went to school for an education and did not receive. While I attended the school I was misled in the type education I was to receive and cost of schooling there. When I graduated in XX/XX/XXXX, I was informed of the total cost, this was not the same as I previously told by Reps of the School. I was misled with the information that was given to me at the time. I was not informed that any loans that were to be a private loan. I have {$3300.00} still with Student CU Connect at 17 % interest currently. Although I am current and I have been paying these loans, but I have been having trouble with the payments every month. A few months ago, I was called about a late payment that was not late. They can not prove to me that it was late because, as I was told, they shred all envelopes of payments. When I enquired about them writing off the late fee, I was told there was no late fee. Upon further enquiry, I was told they take the late fee out of payments before applying the payment. Furthermore, XXXX XXXX was forced close its doors for good by the Federal Government and there are many people in a similar situation as I. Forced repaying loans by a school that misled consumers like me. In XX/XX/XXXX I filed a XXXX XXXX claim with the U.S. Department of Education and it is still pending. Also, this has destroyed my credit because there are other things that I have not been able to pay because I have been trying to get rid of this loan. They also keep harassing me with phone calls about my payment. In my opinion these private loans should be connected with my XXXX XXXX claim because they are both coming from the same school. These loans should be forgiven because the school does no longer exist and the courts has awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending these private loans.
|
| 04/23/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
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Web |
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From XX/XX/XXXX to XX/XX/XXXX I attended XXXX XXXX in XXXX, Ohio. The school has been shut down due to fraudulent behavior. First, I feel that my degree in, XXXX, XXXX XXXX XXXX is worth nothing to me since I didn't learn anything. Our professors/teachers gave us the answers to all of our exams. Everyone in our classes always passed. I am now stuck with huge student loans and am having troubles in the field, because of the lack education. I went to school for an education and did not receive. While I attended the school I was misled in the type education I was to receive and cost of schooling there. When I graduated in XX/XX/XXXX, I was informed of the total cost, this was not the same as I previously told by Reps of the School. I was misled with the information that was given to me at the time. I was not informed that any loans that were to be a private loan. I have {$3300.00} still with XXXX XXXX at 17 % interest currently. Although I am current and I have been paying these loans, but I have been having trouble with the payments every month. A few months ago, I was called about a late payment that was not late. They can not prove to me that it was late because, as I was told, they shred all envelopes of payments. When I enquired about them writing off the late fee, I was told there was no late fee. Upon further enquiry, I was told they take the late fee out of payments before applying the payment. Furthermore, XXXX XXXX was forced close its doors for good by the Federal Government and there are many people in a similar situation as I. Forced repaying loans by a school that misled consumers like me. In XX/XX/XXXX I filed a XXXX XXXX claim with the U.S. Department of Education and it is still pending. Also, this has destroyed my credit because there are other things that I have not been able to pay because I have been trying to get rid of this loan. They also keep harassing me with phone calls about my payment. In my opinion these private loans should be connected with my XXXX XXXX claim because they are both coming from the same school. These loans should be forgiven because the school does no longer exist and the courts has awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending these private loans.
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| 07/12/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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I called around the XX/XX/XXXX, to start making payments since I was unable to finish the course. I spoke with XXXX and explained to him that I could only pay XXXX dollars a month, and I would continue paying that amount until it 's fully paid. I further asked if my payments could post to my account? And to taken out of the past status on my account. XXXX explained that I had to pay more than XXXX dollars but I had to pay XXXX exactly. I asked why? When the course was only XXXX dollars? He explained that with interest I now owed XXXX. He further explained that I would be forwarded paperwork that I had to sign and when I signed the paperwork and made my first payment my credit reports would reflect current status. Since I only get paid once a month the payment was supposed to post XX/XX/XXXX. I must explain that my billing comes from XXXX XXXX XXXX ; but when the money was taken from my account it showed XXXX XXXX XXXX while seemed fine. Until on the XX/XX/XXXX it withdrew XXXX three times, then on XX/XX/XXXX, totaling XXXX. To be withdrawn and causing my financial downfall. I called XXXX everyday until I was able to speak with him on XX/XX/XXXX. He voiced his concern and explained that he made a mistake and marked daily instead of monthly. He said my money would be refunded within 4 business days and any overdrafts. It took four days but shortly after I spoke with XXXX and he explained that I needed to sign another contract, and this time my credit report would be updated and in order for my late fees to be paid I had to send in an email.
What XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX did not realize was that because of their mistake my XXXX credit card was cancelled because each time they attempted to collect their payment it was not there because of the aftermath of their mistake. My cellphone has to be paid in cash only because their payment was rejected so many times.
I have went on their website to make a payment but a statement explains that I need to use the mail in method. I have also shown proof to the credit bureau that i was paying and had them removed from my credit report, only to have them placed back on their in two days with no warning or 5 day notice.
Please help me get rid of this financial, credit nightmare.
Thanks for your time, XXXX XXXX XXXX
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| 03/27/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
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I attended XXXX XXXX in XXXX, Ohio from XX/XX/XXXX to XX/XX/XXXX and the school has been shut down due to fraudulent behavior. First, I feel that my degree in, XXXX, XXXX XXXX XXXX is worth nothing to me since I didn't learn anything. Our professors/teachers gave us the answers to all of our exams. Everyone in our classes always passed. I am now stuck with huge student loans and am having troubles in the field, because of the lack education. I went to school for just that and did not receive. While I attended the school I was misled in the type education I was to receive and cost of schooling there. When I graduated in XX/XX/XXXX, I was informed of the total cost, this was not the same as I previously told by Reps of the School. I was misled with the information that was given to me at that time and any loans that were to be a private loan. I have {$10000.00} still in 2 Private loans currently. I am current and I have been paying these loans but I am having trouble with the payments every month. A few months ago, I was called about a late payment that was not late. They can not prove to me that it was late because, as I was told, they shred all envelopes of payments. When I enquired about them writing off the late fee, I was told there was no late fee. Upon further enquire I was told they take the late fee out of payments before applying the payment. Furthermore, XXXX XXXX was forced close its doors for good by the Federal Government and there are many people in a similar situation as I. Forced repaying loans by a school that misled consumers like me. In XX/XX/XXXX I filed a Borrower Defense claim with the U.S. Department of Education and it is still pending. Also, this has destroyed my credit because there are other things that I have not been able to pay because I have been trying to get rid of this loan. They also keep harassing me with phone calls about my payment. In my opinion these private loans should be connected with my Borrower Defense claim because they are both coming from the same school. These loans should be forgiven because the school does no longer exist and the courts has awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending these private loans.
|
| 05/08/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
XX/XX/XXXX : received letter stating XXXX XXXXl , XXXX was willing to settle debt at 50 % of balance owed.
XX/XX/XXXX : called XXXX XXXX to settle for the 50 % XX/XX/XXXX : received another letter demanding final payment for the remaining 50 %, called XXXX XXXX to resolve issue and informed them that if i continued to receive any sort of correspondence from them I would report them and have the payment made recovered from my bank. I was informed that they would notate my account and I would no longer receive any correspondence from them in regards to said debt. All letters have ceased up to this point.XX/XX/XXXX : received multiple calls in which no one was on the line.
XX/XX/XXXX : received multiple calls in which no one was on the line again.
XX/XX/XXXX : received call in which the person on the other end refused to inform me as to what the call was in regards to unless I provided him personal information to verify my identity. I refused to supply the person with any information as he would not give me any information and I wasn't giving out personal information until he verified why he was calling or who he was with. Did a phone number search and found that it was XXXX XXXX. Called back spoke with a woman who said that her supervisor would be notating my account to show that the account was closed, I would no longer receive any correspondence from the company and that after 28 days of making said payment the account should have been closed.
I feel that they are using harassing tactics to scare people into paying the entire amount even after offering a settlement. They refuse to verify who they are and what the call is in regards to. If I hadn't gone through this with a similar company I wouldn't know that this is unacceptable behavior, other people may not know that this is not ok and end up paying XXXX XXXX more money because they're scared that it won't be resolved unless they make another payment. If a settlement is offered and you accept that you should no longer be receiving any correspondence from XXXX XXXX other than a letter stating account is settled.
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| 12/13/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I attended XXXX XXXX XXXX in XXXX XXXX, Florida from XX/XX/XXXX to XX/XX/XXXX. While I attended schooling I was mislead in the education was receiving and cost of schooling of there. When I graduated in XX/XX/XXXX I noticed the total cost was not the same as I previously told by others that show me the total cost. Then in XX/XX/XXXX I was receiving phone calls in regarding of paying back on a private loan that was from that schooling. I was not aware of any private loans nor I did not sign for any private loans and again told everything was done through U.S. Department of Education. I was mislead with the information that was given to me at that time and a loan went to a private loan. The private loan is XXXX XXXX XXXX. From XX/XX/XXXX to current I have been paying this loan and having trouble with the payments every month. Also in XX/XX/XXXX XXXX XXXX XXXX close it doors for good and many people in a similar situation of repaying loans for a school that mislead consumers like me in the cost of the schooling. In XX/XX/XXXX I filed a Borrower Defense claim with the U.S. Department of Education and it is still pending. Then in XX/XX/XXXX a U.S Judge awarded XXXX XXXX in claims for students attending the school for private loans and Education loans. With the loan with XXXX private loan the amount has not deceased since XX/XX/XXXX to current. It is still the same amount since it has begun. I do not understand how this can be since I have been paying for this for 5 years. Also it has destroy my credit because there are moments where I did fell behind and they keep harassing me with phone calls with threats till I give in and made a big payment so I can get caught up and end the harassing phone calls. In my opinion this private loan should be connected with my Borrower Defense claim because they are both coming from the same school. This loan should be forgiven because the school is no longer in exist and the court has just awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending this private loan.
|
| 08/23/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX, 2017 ATTENTION : FINANCIAL CONSUMER PROTECTION BUREAU First Associates U.S. Department of Education Loan Servicing XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : [ ACCT # XXXX ] ATTN : First Associates U.S Education Loan Servicing department LOAN DISCHARGE APPLICATION : SCHOOL CLOSURE XXXX : XXXX XXXX XXXX OF XXXX, TN Dear FIRST ASSOCIATES & FCPB, First and foremost, I would like to bring attention to an interaction on XX/XX/XXXX where a concern was placed regarding potential forgiveness on the aforementioned account. I was met with a very unprofessional response from XXXX who told me, You can let it go to collections if you want. Whether you pay this or not, it is business as usual. This was an unnecessary comment. Not only have I been paying my minimum, I have been paying more than the minimum on my loan for over a year. I have never been late on a payment.
Secondly, I have been subject to a chain of predatory student lending. XXXX XXXX set up a business plan that pressured students into taking out high-cost private loans. Their method was to use in-house credit to meet gaps between the cost of tuition and the maximum federal student loan disbursement.
In conjunction with unsatisfactory education, educators, equipment, and communication, I am requesting full acquittal of the account.
Education was poor quality and was limited to partial demonstration of real world application.
The educators were not equipped to teach the classes they were teaching for in majority cases.
Equipment was outdated, running on older systems, including the need to save files to previous versions so compatibility issues did not occur.
The institution promised a continuing education in game design upon completion of the XXXX XXXX program. Less than one month prior to the completion of the XXXX program, I was informed the school was no longer continuing that academic direction and dropped the classes they prepared me for. There were no alternative options provided to me for that academic plan of study.
|
| 01/20/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
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Web |
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Attending XXXX from XX/XX/XXXX XX/XX/XXXX. This was the first time I had ever attended college. It came down to the last quarter of my XXXX degree and was told had no student loan funds available. Next thing, all of sudden funds were available if I signed to continue degree. After I graduated I received notice that I owed {$46000.00} in federal student loans and have XXXX private loans through XXXX totaling {$18000.00}. The peaks amounts were due immediately upon graduating. And when I went back to school at XXXX University were not deferrable unless I returned to XXXX. They can not be consolidated with all my other student loans. In addition, they require that I send separate payments for each loan in separate envelopes. When I try sending them together as XXXX check the payment only gets applied to XXXX loan even though I have the invoice stubs enclosed with the amounts indicated for each loan, and the one they did n't apply it to I 'm hit with a late fee of {$10.00}. When I called about it that was when I was told had to be separate check / separate envelopes.
After Graduation XXXX repeatedly called me wanting to know where I was working, even though I have worked in the same job as when I started school. The many times I went to the school Career Counselor, for potential job prospects my information was filed in a cabinet and never received a call on anything. Several times they called and wanted to take credit for my position at XXXX which I had long before even starting school. As a friend still works for XXXX, a couple of times she has overheard the Career Counselor state to potential students that she got me the position at XXXX. I have worked there for 28yrs now and in way shape or form did XXXX ever do anything for any of the positions I have held there. I would not recommend this school to anyone ... .EVER!!! And XXXX Private Student Loans is a bunch on bull also ... ..if it would n't ruin my credit I would tell them what they can do with their separate checks/envelopes.
|
| 10/07/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
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I received a loan from XXXX to take the NY XXXX XXXX XX/XX/XXXX. Thereafter, I spoke with XXXX XXXX about monthly payments and they informed me that I could pay whatever I could afford. I paid {$30.00} through direct debit monthly. No other information was given to me except that these payments were fine. XX/XX/XXXX I received a letter from First Associates, a loan company I had never heard of, stating that my payment was late. I called them and they said they now owned my XXXX loan and they did n't have my debit information so my account was late. This put up a red flag as I received no other info from them and it was not my fault that they did n't have my account info. I gave it to them and continued to pay $ XXXX monthly. Nothing whatsoever was said to me about increasing my payments, interest, etc. I did n't receive any paperwork from First Associates. Now I received a bill XX/XX/XXXX XXXX so presumably I did n't receive it until XXXX XXXX stating that I am 15 days past due for almost {$1000.00}. I do n't understand how I can be past due when I 've been making payments and no bill was sent to me about this amount in XXXX. I spoke with someone named XXXX who said " they tried to email me once. '' Apparently my loan has re-amortized and now I owe exorbitant amounts and have late fees even though a bill was never sent to me in time to pay. I believe First Associates has wrongfully failed to provide me with any information about my loan and who the company is and they are now attempting to force me to pay obscene amounts compared to what I was paying, charging late fees, and threatening my credit. In addition, their interest rate is usury at 17.19 %. After working for 3 full years to obtain XXXX, this was the only loan I was able to get in order to pay XXXX so I was forced to take a loan from a disreputable company at this horrifying interest rate, and now they are going to ruin my credit without any warning or paperwork regarding the status of my loan.
|
| 08/02/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
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I took out numerous loans for XXXX school from XX/XX/XXXX to XX/XX/XXXX. This is in addition for loans for my XXXX and XXXX education. XXXX of the loans that was taken out for XXXX school was from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, 1st Associates became the servicer of this loan. I received only an e-mail notifying me of this transfer, with no hard copies or attached documents. I completed forbearance paperwork while completing my fellowship, but the loan came into repayment in XX/XX/XXXX. I made a request to go to interest only payments in XX/XX/XXXX, and I was told I would be mailed the paperwork to complete this request. It never arrived, and I continued to pay my bill. I then noted that my interest rate was rising quickly, now 9.22 %. I decided to transfer the loan to a more reputable company who requested my master promissory note. I called 1st Associates to request this document, but instead got a letter in the mail stating, " Unfortunately, due to administrative error, we do not have a copy of your original agreement. Original contract terms are digitally uploaded into fields of our servicing database at account onboarding, guaranteeing a permanent record of the account details. '' This statement seems to contradict itself ensure presence of a document that they can not provide. I called again to request the documents and was told a request had to be sent through " Upper Management. '' I tried to find any contact information for XXXX XXXX ( which I think stands for XXXX XXXX ), but only find links to legal aid related to this company. I fear this may be a fraudulent company and am requesting help ensuring this is a legitimate lender before I continue to make payments.
|
| 02/18/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
So I got a student loan to attend XXXX XXXX in XXXX Ca. From XXXX XXXX ( XXXX XXXX XXXX ) Also known as XXXX XXXX out of XXXX XXXX Ca. As I was paying my loans and I started to notice my loans are going up. I called them to find out why my loans were going up. I was told that they fluctuate with the market. It went up like a Dollar or two.
I told them I didnt think it was legal since I believed that the loan was supposed to be a fixed rate. So I requested a copy of my contract and was told they would send it to me. Well know contract was sent and I forgot about it.
Then one other time I went to pay my payment and noticed this happened again so I called again and was told the same thing that it fluctuates in the market. So again I requested a copy of my contract and they said they would send it still got nothing.
So last month ( XX/XX/XXXX ) I went to pay my loan and there it was again my loan went up. So I checked my bank account and searched it and found that 1 off my loans went up XXXX in 18 months. I have a 2nd loan with them that also went up XXXX in 18 months.
I need some advice or to find out if this is legal. If this keeps happening I dont see know way to pay this off because it keeps growing.
I will call them and they will probably tell me the same thing they told me last time and I will request a copy of my contract and will never get it so maybe I will have to go see a Lawyer about this.
This is the money and dates the loan went up, XX/XX/XXXX went up XXXX, XX/XX/XXXX went up XXXX, XX/XX/XXXX went up XXXX XX/XX/XXXX went up XXXX I just think they are ripping people off. If not why wouldn't they send a signed copy of my contract stating this.
|
| 05/12/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
This is my 2nd complaint to be filed by me for the Peaks Loan. My first was for the fact that I did n't know who the heck they were or what they were since I signed an agreement with XXXX XXXX to service my temporary school credit. After establishing that peaks was the new servicer and paying 3 years of {$220.00} payments my balance never went down. I have tried to secure a means of refinance but due to Peaks over zealous reporting habits, my credit score took a huge hit. I was no longer able to refinance the loan and could not get anyone to loan me the {$9000.00} dollars they said I still owed after 4 years. My famly has since fallen apart and have been going through a really tough divorce that has lasted a year now. During that time I was no longer able to pay on the loan due to high childsupport payments and attorney 's fees. The company was contacted and told the situation but was not willing to help. A few months later during their investigation period with the SEC, they contacted me and tried to inform me about refinance options which were even at a higher rate eventually than the existing rate. I declined and asked for forbearance and in the past that was usually handled over the phone, well this time I was told that I would receive an email with the form to apply for forbearance, that I would have to fill out on my own. That email never came and now I get a letter from them in XXXX XXXX that my Peaks Loan is now in Default. Outraged, I have chosen to not return the single call, from the company, to me since that letter. My credit report shows that the Peaks loan was started XX/XX/XXXX. I had never heard of Peaks until after graduation in XX/XX/XXXX.
|
| 10/25/2017 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
Servicemember |
|
I am in the process of trying to purchase a home, I spoke with a mortgage representative on XX/XX/XXXX and they pulled my credit, on XX/XX/XXXX, I spoke with a credit repair specialist that deals with the mortgage company, after looking at all of my credit reports advised me of what I would need to take care off. I noticed that on my payment activity there was an account listed as First Associates, student loans and that I was past due over 180 days and that I owed over {$3700.00}. I contacted the company and they advised me this was a student loan from XX/XX/XXXX and that the original loan was in the amount of {$1500.00}. I asked what the additional amount was and I was told late fees and interest. I explained to them that I was not aware of this loan and that I never took an online certificate class. They advised me that this loan was correct and that it needed to be taken care of. Because I am trying to purchase a home, I asked if they could give me a settlement, even take off the late charges and interest and that I would be willing to pay the {$1500.00}, they advised me no and that the interest and late charges would continue to accrue. I asked them if I could make payment arrangements so that the fees could stop and so that I can pay it off and they advised that I can make payments, however, the fees will not stop and that they will continue to add up. I have paid {$700.00} since my conversation with them 1 month ago which should put my account at {$3000.00} instead, my account is listed at {$3100.00} and on my credit report it is still showing 34 missed payments and it is not reflecting that the balance is decreasing.
|
| 02/08/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a Peaks Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XX/XX/XXXX to XX/XX/XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
|
| 09/26/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
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It started back when I applied to become a student at XXXX of XXXX XXXX. Not fully understanding the process and looking for a way to apply and advance myself in the world I did whatever it took. I was never fully explained the loan process and how the federal vs. private loan system worked. I felt like they just wanted me to sign and move on and get into their system. I went to XXXX for over a year only to be removed from the school basically because I was unemployed. I lost my job during my 2nd year and was unable to make it to classes. After begging with them ( the XXXX admin ) to understand my situation I was forced to drop out, and not like me saying sorry I can no longer make it to class, more like " if you cant make it to class you can not be a student here. '' Being unemployed you have to make smart decisions with your money, and I had to make choices. Every penny counted and when I was unable to physically make it to the campus to attend classes due to budget restrictions I was shunned! So I found myself with a pile of debt in federal and private loans, no job and a partially finished degree. Now that the school is closed I can no longer finish my degree, nor can I use the resources that I was promised by them upon graduation. The summary of all this is that I felt like prey to them. A person who is just looking to better themselves was an easy target and I fell for it, I was a target. I tried numerous times dealing with XXXX directly with claims that I felt I was being pushed out the door and they were being unreasonable with my current situation, but they never listened.
The school was XXXX XXXX XXXX, MD
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| 02/08/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
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I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a Peaks Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency XXXX XXXX XXXX XXXX XXXX was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
|
| 07/19/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
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Web |
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I was a student at XXXX XXXX in 2009, I was never informed that I would have to begin paying back the loan to Peaks if I stopped attending XXXX. After graduation I was unemployed so I exhausted my deferment, after that I used their other program where I was only paying towards the interest rate of the loan. I began attending the university XXXX and let them know I was in school so that I could get an in school deferment ; they then stated they did n't have that option since I was n't attending XXXX. I have been struggling to pay back the loans but I have been making the payments for the past 3 years without ever being late. I am now filing for bankruptcy chapter XXXX and also going to be starting my XXXX XX/XX/XXXX. On the website they have an in school forbearance form but when I call to let them know I 'm going to start school they say I 'm not eligible for it which makes no sense. when I ask them why they are n't able to give me a legit reason why I cant sign up for it. There were many times where I called to let them know I was still in school and was struggling to make ends meet but they basically closed the door in my face every time I 'd call. I 'm an expecting mom and in the process of moving out of my parents house, I make less than XXXX dollars every two weeks and have other bills I have to pay. once I start paying back my student loan I only have about XXXX dollars to survive because I have car, insurance and medical bills as well. Someone please help me. Peaks Loan is a Fraud and XXXX misleads their students into getting into debt and fail to explain the fine print on their loan services.
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| 08/27/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
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Web |
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I graduated from XXXX XXXX in XXXX, 2014. In XXXX, 2014, I received a letter from PEAKS Private Student Loans stating that I was nearing a default status on this loan. I was completely unaware that I had taken out this loan, as this was the first correspondence I had received from this agency. When I began attending XXXX XXXX, I was coerced into taking this loan because if I had n't, I was informed I would have to either pay out of pocket or drop out of school. Additionally, I was not informed about the terms and conditions of this loan, the high interest rate, nor the fact that this loan can not be consolidated into my Federal Loans.
I called the agency, and they stated that they only contacted lendee 's via e-mail. I began the dispute process with a credit repair agency, and PEAKS refused to accept the dispute. My credit score dropped, which prompted me to dig further into this agency. It was brought to my attention that there are lawsuits being processed with XXXX XXXX. I again contacted PEAKS student loans so we could discuss possible repayment options, and they informed me that I am XXXX days delinquent, and I have not received notice to that effect. This lender will not allow me to consolidate this loan with my Federal Loans. They are also requesting that I pay a monthly payment that is more than 400 % of what my Federal monthly payment is. I am a single mother who is simply trying to make a better life for my daughter, and each paycheck is carefully accounted for. I just want this loan to be more manageable, and I wish this agency would have contacted me prior to my loans reaching default.
|
| 08/08/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I attended XXXX XXXX in XXXX, NY from XX/XX/XXXX-XX/XX/XXXX. During that time XXXX XXXX took out fraudulent loans on my behalf without my consent. These Loans were with XXXX of XXXX XXXX, CA and the proceeds were paid directly to XXXX XXXX without my knowledge. One was opened on XX/XX/XXXX and shows a balance of {$3600.00} owed on my XXXX report. I disputed this loan as fraudulent in XX/XX/XXXX. The second loan they are listing on my XXXX report was opened on XX/XX/XXXX and shows a balanced owed of {$6800.00} dollars. This loan was disputed as fraud in XX/XX/XXXX.
I have checked my credit report and I see that this company is reporting occasional on-time payments on both accounts. I believe that this is fraudulent act and they are attempting to circumvent my rights. They are trying to not let the accounts age so that they will not reach 7 years. They will be able to keep reporting these bogus accounts indefinitely.
I also believe that they are trying to circumvent my rights under statutes of limitations afforded me under laws in my state. Beyond original contact with this company in XX/XX/XXXX after refusing to pay and denying ownership of these loans they have not contacted me.
I have never made a payment to either of these accounts. There has been more than seven years of inactivity on these accounts and there hasn't been any contact between me and this company in more than seven years. They should have already been removed from my credit report.
On my credit report they list themselves as : XXXX - XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
|
| 03/20/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
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I enrolled at XXXX XXXX, under the premise of a better opportunity and advanced learning. Once enrolled I quickly saw how the institution was a joke. Teachers passed you with no problem as long as you showed up for class. I did not want a free ride, I actually wanted to learn a skill that I could utilize in the work field. Once I saw this I began to look elsewhere for schooling and then learned the bulk of my credits were non transferable, and that most employers do not consider XXXX an accredited school. This is not the message I was given when I enrolled. I was told how employers consider graduates the cream of the crop and finding a job would be no problem. Once I left I then could not enroll in another school due to the fact I now had tremendous debt from my time at XXXX. The loans taken out were predatory with outrageous interests rates, which I learned most of the students end up in default on. My credit has been largely affected due to delinquent payments and I see no clear way out in sight. XXXX is very corrupt and dishonest with the facts stated in order to coerce students into enrolling. Exaggerated graduation and job placement rates, as well as knowingly convincing students to take on huge debts that they will more than likely not be able to repay. These actions should be criminal. Now I am constantly being called and harassed by XXXX Private loan, the agent assigned to my loans with exasperated demands of payment. There must be something done to assist the thousands of students like me who simply wanted to better themselves and we 're taken advantage of.
|
| 11/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
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Web |
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I have a personal loan through XXXX XXXX. I called them on XX/XX/XXXX to get an address to send a check to payoff the account. On XX/XX/XXXX I sent the check XXXX to the address I was given over the phone. On XX/XX/XXXX it came to my attention that the loan balance had not been paid off. I contacted XX/XX/XXXX who told me that the address I sent it to was an old service provider. I was told to contact First Associates to see if they had received my check. I called and was told that they hadn't received the check. I then contacted the bank that wrote the check and received a copy of the canceled check with First Associates bank information on it dated XX/XX/XXXX. I called Loan Depot back and asked them to contact First Associates to get their funds ; I also faxed them a copy of the canceled check. On XX/XX/XXXX, XXXX from XXXX XXXX called and told me that First Associates would not return their calls. I called First Associates again. I asked to speak with the president, XXXX XXXX, or the manager, XXXX XXXX but was denied that request. I first spoke with XXXX who repeatedly transferred my call to XXXX XXXX. Through conversations with XXXX, XXXX, and supervisor XXXX XXXX, we received several different stories of what had happened to the check. They mailed it back to the bank before they cashed it. Sometimes they cash it first. And finally they put a stop payment in and were mailing a new check. However with each story we were denied any documentation or check numbers to support the claim. Each call to resolve the issue I seem to just receive the run around.
|
| 05/20/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
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Web |
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I XXXX from XXXX XXXX XXXX in XXXX XXXX, MI XXXX in XXXX, 2011. I received a federal student loan & also a student loan through XXXX ( XXXX ). I can not afford the payments for this loan. No one will touch this loan to refinance it because it is through XXXX. They will do absolutely nothing to work with me. In the beginning of XXXX, I called to speak to someone there & phone rep told me that I had 180 days to catch up on my current payment before it would affect my credit. Sure enough, they have reported to the credit bureau that I am behind. I am currently trying to obtain a mortgage & have had a clean credit report for the past XXXX years until now. Because XXXX reported my student loan after telling me that I had 180 days to pay the difference I owed. My credit report states that I am over {$500.00} behind. My monthly payments started out at {$220.00} & approximately 90 days later, they raised the monthly payment to {$340.00} per month. I can only anticipate they will continue to raise it. I currently owe them nearly {$1500.00}. Additionally, XXXX has been XXXX big scam from day XXXX. They did not follow through with the services they promised, such as job placement. I owe nearly {$60000.00} in student loans for an XXXX XXXX. Not to mention, this private loan they conned me into.
I am fortunate that I did find a job on my own, however, it does not pay as much as I would like. My wife works part time & has a student loan as well. So we have XXXX total student loans that are close to {$100000.00}. Something has got to give.
|
| 10/31/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
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Web |
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I have chosen a XXXX XXXX XXXX school in the town of XXXX XXXX, at XXXX, for my XXXX, they promised me and gave me a wrong information dramatically, just, only Federal loans will cover your two years of XXXX, they came to me one fine morning, they have asked me to sign a form to raise more private student loan by way of raising loan only your entire two year student cost 's will be covered apart from the Federal student loan, i could not do anything at that, since i have already started my classes in the middle of the semester, i was trapped and forced to sign that private student loan application form which was given to me by XXXX XXXX finance office, by way of raising the private student loan from XXXX XXXX XXXX XXXX to cover my student costs. I was not able to find an appropriate employment in my filed, and i am single parent / single father and raising my XXXX year old child, and now i am Haunted and constantly harassed by the collection agency called XXXX /First Associates of Loan servicing and a collection agency for the ( XXXX XXXX XXXX ) XXXX from California constantly making the harassment to make the payments. which i am struggling and surviving by way of pay check to pay check to protect my child and my self. XXXX XXXX IS A MAJOR SCHOOL FOR PROFIT AND TOTALLY A FRAUD INSTITUTION AND THEIR CREDITS ARE NOT TRANSFERABLE ANYWHERE THAT CAUSED A SERIOUS PSYCHOLOGICAL AND EMOTIONAL PAIN IN MY MIND AND ALSO IN THE MINDS OF MANY STUDENTS TOO. TOTAL DECEPTIONS AND EXTREME HARDSHIP.
XXXX XXXX, XXXX XXXX,
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| 03/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
This company, XXXX XXXX, which one of it's services I found is debt collection, keeps contacting me.
On the first call, they asked to speak to me by asking my specific name, and then asked the procedural identity questions such as what my Date of Birth, Home address and Last four of my social security were. They then proced to say, " they can not establish '' my identity, and to email their technical support. They also say they, '' are unable to discuss anythign further due to privacy and security concerns. '' To this statement I replied first, to send me written information to the nature of the call to my home address, and second, if they have established I am not the correct person they need to speak to, then they need to discontinue calling my number.
They would not discuss anything further, and told me that they will keep calling until I " straigten things out with their support '' I have not, since the first phone call on the XX/XX/XXXX, received anything written from XXXX XXXX, and they continue to call me.
They have called me on the XX/XX/XXXX, and on the 4th, 7th and XX/XX/XXXX, despite my telling them repeatedly to not call me and to send me written information as to what the call entails. They do not want to discuss the nature of the call, nor send any written information.
I called them back, and instead of sending me to their website, XXXX, they told me to go to XXXX NOTE : I asked them for a mailing address to put into a complaint form, and they refused to give it to me.
|
| 10/07/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
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My PEAKS loan ( 1st Associates collects on the loan ) is in default. I have made an agreement to pay {$80.00} a month but havent been able to due to other debts. Now that I have cleared smaller debts I 've attempted to keep good on my word and make my first payment. Instead of talking to someone I attempted to pay online with my debt card. That option was unavilible for me. Next I tried calling in and paying over the phone. After putting in my information I was " directed to a customer service rep '' 3 times but instead of talking to anyone I was sent to the main menu.
I defaulted on my loans due to unemployment and only recently found a job. Had PEAKS or 1st Associated helpped me when I was unemployed and not just during my grace period I may not of defaulted. This is my 2nd complaint reguarding this company. I still till this day do not know who owns this debt and am frustrated when attempted. I do not want my wages garnishedI just want to bring my account current and stick to the $ XXXX monthly plan we agreed on. Not be fooled with when I attempt to pay or get the run around. I dont need a rep telling me what I owe. I already know! I want to and need to pay what I can and pay it either other phone through the automated system or online. I called twice on XXXX XXXX around XXXX CA time. I dont have a check book and will not be sending checks. Using my debt card is far more convient and prevents the hassle of waiting on an echeck or on pending fund being pulled from my bank account.
|
| 06/20/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
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I have a loan currently through XXXXXXXX XXXX XXXX that I got during my schooling through XXXX XXXX. I was never aware that I even signed up for this loan until my loans started to come in. From my understanding I only had Federal loans, so I have no idea when this loan even came into being. My current interest rate is far to high and the payments are unreasonable. When the payments started coming in it was a repayment of about {$430.00} at a 16.5 % interest rate. I was unable to afford this, so I tried to defer which was only allowed for 3 months. This did not help me at all, because my income at that time was not enough to juggle that, food, and other necessity for my kids and myself. This means my only option was to allow it to hit my credit because they would not work with me. The payments still remain at {$430.00} even after paying and trying to reduce my payments, my interest rate has now risen to 17 % even with paying my bills on time for the last 6+ months, and my credit is poor due to them hitting it because I was unable to afford the payments before so I am unable to refinance the loan to get lower payments and interest rates through another company. They have made it near impossible for me to be able to actually ever pay back my loan or even stay on top of it so that I can rebuild my credit. I am looking for any sort of help or suggestions I can get on how to move forward so that this is not a constant burden to my financial well being.
|
| 02/14/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
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I attended XXXX XXXX XXXX XX/XX/XXXXto late XX/XX/XXXX. I recently received a collection notice from XXXX XXXX saying that I owed {$8600.00} for a student loan taken out through XXXX XXXX XXXX through XXXX without my knowledge. I never signed for this loan, I never took this loan out and if they have anything saying I did, it was fraudulently taken out. I have never received any bills or correspondence regarding this bill until I got this collection notice in the mail. I am not the only student from XXXX XXXX that has this issue with XXXX XXXX. I am dealing with the XXXX XXXX right now for the Federal loans that I have ( they are in forbearance ), due to the fraudulent activities, lies and coercion I encountered while dealing with XXXX XXXX. I was lied to and told that I could transfer credits, I would be placed in a high paying position and I was told if I didn't sign up asap, the cost of the program was going to sky rocket. They had subpar equipment, subpar teachers and they told me they were accredited. I am not responsible for this loan ... I also did not finish the program, so how in the world did they manage to get {$52000.00} from me??? I have also contacted XXXX regarding the lawsuit that was filed against XXXX XXXX XXXX - XXXX XXXX XXXX XXXX. There is also a lawsuit that was filed against XXXX XXXX - Case No. : XXXX, filed in the US Bankruptcy Curt for the XXXX XXXX of Indiana, XXXX Division. This lawsuit covers all XXXX XXXX students.
|
| 03/12/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
Servicemember |
|
Back in late fall of 2017 I had worked out a pay-off arrangement with Student CU Connect. I had 4 loans with them and paid {$6000.00} on the 1st loan. {$2100.00} on the 2nd loan. {$2500.00} on the 3rd loan, and {$11000.00} on the 4th loan. I thought it was all satisfied until a couple months I answered a call from them to find it was Student Connect 's collections department trying to get the remaining amount of each loan. After multiply calls and different individuals I finally found out that the paper work never got back to them signed. Now understand that it was electronic signature and i had thought it went through no problem, especially since they didn't hesitate to take my money in the grand total of {$22000.00}. Furthermore they told me they had the agreement in front of them as we spoke but it was not signed and they would no longer honor it. Ethically why would they not honor it??? They got their money when requested for the amount requested. Also why would it be in collections if I paid that amount. That amount I would have thought would have carried me for years anywhere. I wont even go into the interest rates that were associated with these loans.
Unfortunately I do not have much email back up as my work computer deletes after a set amount of days and I thought these loans had be satisfied.
One last thing this has now shown up on my Credit Report which will severely hurt my chances at future credit applications.
|
| 04/17/2019 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
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I attended XXXX XXXX online for XX/XX/XXXX - XX/XX/XXXX and while attending the school i had issues and after I graduated due to them shutting down and them being unable to provide the services they promised me. From using there School Cost Estimate Calculator, I gathered they also charged me the same rate as a person who physically attended the school which was approximately {$250.00} per credit hour over what I was original told and ended up paying exactly the same as a person that went to class there including room and board.I was not told until after i signed up, because the admissions representative said they handle the paperwork to make it more convenient for me, that some loans were private at a ridiculous interest rate and made it seem that they would all be Federal Loans. Also, I was promised that i would get aid in finding a job but all that was provided was the same leads that I found on XXXX, XXXX, XXXX, etc but originally was told that had " unique sources to find the perfect job suited for a career in XXXX XXXX '' which came from XXXX XXXX ( Director of Career Services ). The experience i had with XXXX infuriated me and now it seems that my hard earned degree is virtually worth nothing except the paper my diploma was printed on and the fact that despite much effort, I still do not work in the XXXX XXXX field. I have included a more in depth letter entitled " Dispute Letter '' in the attachments section.
|
| 07/02/2019 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
I am submitting this information about Student Credit Union Connect in which was a private student loan from the school of XXXX XXXX XXXX in which I attended from XXXX to XXXX. I received this loan with this company that is affiliated with XXXX XXXX XXXX and I declared a chapter XXXX bankruptcy XXXX of XXXX and I was also discharged in XXXX. This loan was transferred to another division of this company or either the company had moved in which the attorneys tried to inform them of my bankruptcy in XXXX. I informed this company about my chapter XXXX discharged and they refuse to refund me my payments that I made in XXXX all the way until XXXX. They continued to bill me and send me threats of putting negative information on my credit while I was struggling to pay them. I looking for a refund of all of my payments that were made to them from XXXX. This company refuses to let me speak to any managers, they tell me no managers are available, they tell me that a manager will call me back and I never get a call back. In the mean time XXXX XXXX XXXX filed a lawsuit against this company and made a agreement with this company to close our accounts and XXXX balance our accounts out but in the mean time they were billing me and forcing me to make payments after my bankruptcy was discharged from XXXX to XXXX and I will like my money back even though they just closed the account out due to the XXXX XXXX XXXX lawsuit.
|
| 01/28/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
I have attempted to contact Peaks Private Loan over the years. They have wanted me to pay {$350.00} a month which I could not afford and the time and I still can not as I have XXXX other loans that I am trying to pay back to the best of my ability. At first they told me that they are not able to decrease my monthly payment. As time when on I was told that nothing can be done now as I owe a {$5000.00} Balance to bring the loan current. Last time I reached out to them they said that there was nothing that they can do because that private loan was sent to a collections agency. I have looked back into this from the paperwork I have. I have never signed for this loan it appears that XXXX took it out with out telling me that it would be a separate loan from my Federal Loan. The few sheets of paperwork that I have show that the money was sent directly to XXXX XXXX XXXX and not for my classes that I took. I was never sent paper work stating what Classes that the loan paid for. I also have my Federal Loan that shows that it paid for all of my classes except for 2 semesters that a XXXX {$10000.00} loan was taken out that was informed about. I believe that I am a victim of an XXXX Fraud Scandal, I remember signing for and giving permission for my federal loan and the {$10000.00} loan for when I was not able to get finical aid but I have never and would never sign a {$40000.00} private student loan.
|
| 10/20/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
Servicemember |
|
I am sure that you have received XXXX these for student loans, private and federal, but I 'm not greedy. I understand that I signed the paperwork and agreed to the loans, but when you 're signing paperwork for a student loan program that was invented by XXXX XXXX to pull itself out of the proverbial boiling pot because it lied to the government and its investors, well then I think personal responsibility can then go out the proverbial window. No one signing you up for a loan is going to tell you that the loan is bogus and that it was created for the sole purpose of covering up XXXX 's accounting fraud.
I am not asking for my federal loans to be wiped XXXX that would be outstanding, though ) simply because that was a legit loan, not a cover-up scheme of a shell of a loan. I am, however, requesting that you look into the PEAKS loan enterprise in hope that I may receive some relief from them. It is absolutely absurd and inconceivable that this type of fraudulent concoction of deceit can still be allowed to fester and infect students ' lives. It needs to be shutdown and that is why I am writing you ... .yes, relief would be nice to save XXXX dollars, but the thought of PEAKS and XXXX not being able to ruin other lives is so much more fulfilling to me. Please do not brush this under the rug.
I hope this finds you well, whomever is handling this, and that you have a great day.
|
| 04/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of XXXX indebtedness with those of other creditors against an individual debtor or codebtors.
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with XXXX LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXXXXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
|
| 05/23/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Filed Chapter XXXX bankruptcy 2016 and was discharged. XXXX XXXX was included and was aware. XXXX XXXX continued to contact me regarding making payments to the loan included to the bankruptcy. They have been receiving payments out of my account every month for {$50.00} and should not have been receiving it. Today, I spoke with XXXX, XXXX, and XXXX ( 2x ). XXXX would not transfer the call to the credit department. XXXX stated there wasnt a credit department, then once he got my information then he stated he would transfer me to the credit department. In which, I spoke with XXXX. Who stated that I still owed and that he received information from the US Bankruptcy Court that it was dismissed. At first XXXX acted as if he didnt know about the bankruptcy. He stated that they still illegally continue to collect the funds from my account. So I asked to be transferred to his supervisor and they had me on hold for 10 minutes. Then they sent me to a survey not the supervisor. I called right back, same process. I spoke with Supervisors XXXX XXXX ext XXXX and asked for a case number related to the bankruptcy case, attorney name, and phone number. It was provided. He stated that it will be escalated to the bankruptcy team and it should take 72 hours. Also, stated he will stop the autopay. I verified the account so they stop further payments.
|
| 05/13/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
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I chose to go to XXXX XXXX XXXX. When I applied for my student loans, it happened so quickly that I was n't even sure of what I signed. I was also told that through an XXXX program XXXX credit- I would have some, if not all, of my tuition reimbursed if I kept a grade level above XXXX which I did. That program then magically disappeared once I got in the door. I was told that ny student loans would go to XXXX XXXX and then they would be split between federal loan institutions. That did n't happen. Some of my loan when to XXXX XXXX, and the other part went to XXXX XXXX - a collection agency and private lender. Since they are a private lender, my interest rate is above 10 % and they refuse to work with you on lowering payments. This was a HUGE issue when I graduated. I called and asked when my first payment was due, and was originally told XXXX. a month later I received a call that my loan was in default and I had n't made my first payment that was due in XXXX. I explained that I had called and was told my payments were due in XXXX. They refused to listen to me, or work with me. I ended up owing over {$500.00} for my first payment with them because they refused to work with me. I could n't eat for a month because I had no money.
This was above and beyond predatory lending on XXXX 's part and on XXXX XXXX ' part.
|
| 04/27/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
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I have attended XXXX XXXX XXXX since 2009 in XXXX Michigan ( XXXX XXXX Big XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX ), took a break and due to the opportunity scholarship that they promote decided to go back and finish my XXXX Degree. I was informed that I qualified to attend two years free tuition with no payments having to be made. Not even a full XXXX semesters in, I am getting e-mails and calls that I owe {$600.00} plus tuition for each semester. I informed XXXX XXXX that I was set up by a fin-aid representative by the name of XXXX that I would be attending free for two years due to me being a former " student '' and qualifying for the scholarship. She informed me that it was only for XXXX semester and that I now owe {$600.00} plus for a prior semester of which I was supplied with the " scholarship. '' I informed XXXX XXXX that if I knew that I would end up having to pay the upward amount of {$600.00} per semester I would not have attended XXXX XXXX. I feel that I was lied to and manipulated into receiving said scholarship. I am now receiving bills for having to pay unsubsidized and subsidized loans around the mark of {$18000.00} and {$16000.00} respectively. I would like my information to be added to the lawsuit because they are predatory and falsify information to benefit the schools profit.
|
| 06/17/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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After graduating from XXXX XXXX XXXX XX/XX/XXXX, I was certain the only debt I had were from the federal loans taken out on my behalf to go to school. Over a year later, I received a bill from PEAKS Student Loans indicating I owed north of {$24000.00} in private student loans. I never heard of this company until then, and only after they already tacked on interest and late payment fees. I specifically instructed the XXXX XXXX to NEVER take out private loans as they are often predatory and I didn't want to deal with any private entity. It is now XX/XX/XXXX and I'm still getting harassed by this company through collection agencies regarding this bad debt and I am not responsible for it. I have a family now and my credit score is still terrible after all these years and we need to buy a home.
I have tried working through the credit agencies showing this debt to get it removed from my report due to fraud on behalf of XXXX but PEAKS has repeatedly called it legitimate and renew pressure on me to pay this off. Working with their new collection agency, Activate Financial, they are telling me I have an address in Virginia, and I have never set foot in the state, so obviously there has been some identity theft using someone else 's information to put debt on my shoulders.
|
| 06/17/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
After graduating from XXXX XXXX XXXX XX/XX/XXXX, I was certain the only debt I had were from the federal loans taken out on my behalf to go to school. Over a year later, I received a bill from PEAKS Student Loans indicating I owed north of {$24000.00} in private student loans. I never heard of this company until then, and only after they already tacked on interest and late payment fees. I specifically instructed the XXXX XXXX to NEVER take out private loans as they are often predatory and I didn't want to deal with any private entity. It is now XX/XX/XXXX and I'm still getting harassed by this company through collection agencies regarding this bad debt and I am not responsible for it. I have a family now and my credit score is still terrible after all these years and we need to buy a home.
I have tried working through the credit agencies showing this debt to get it removed from my report due to fraud on behalf of XXXX but PEAKS has repeatedly called it legitimate and renew pressure on me to pay this off. Working with their new collection agency, Activate Financial, they are telling me I have an address in Virginia, and I have never set foot in the state, so obviously there has been some identity theft using someone else 's information to put debt on my shoulders.
|
| 03/06/2020 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX has been reporting the Peaks private loan on my credit report for a number of years. I filed a dispute claim in XX/XX/XXXX and was never made aware of the results. At which time I reached out to Peaks by phone and by email trying to get the loan off my credit because of the scandal they were involved in with XXXX XXXX XXXX. I never received an email or call back concerning this matter. Their reporting almost did not allow me to purchase a home for my family. Now I am being relocated for my job and I have to deal with this again. XXXX keeps reporting the Peaks loan. I disputed the loan in XX/XX/XXXX and they reported the findings as accurate and that was all that was said. I tried to contact Peaks again with no response to inquiry about my account. The Peaks website even states about forgiving the XXXX XXXX loans and I have filled out the forms for that twice and have yet to get any response. Both in XXXX and again in XXXX. Their reporting is doing irreparable damage to my credit report and not allowing me to obtain funding for housing, so that I can move to my new job location in another state. Every time I pull my credit report this loan does not show up on the report. However, every time a creditor pulls my report it shows up every time.
|
| 02/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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This is the second time in 18 months that XXXX has inaccurately reported my account as not current. The company is DBA - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They have just reported my account 30-59 past due. On XX/XX/XXXX I actually paid my account in full. The email I sent to the company is below. They won't respond and can't be reached. I suggest you contact both XXXX and the company they are DBA as who they might have sold the loan to.
XXXX XXXX XXXX XXXX XXXX ( 11 minutes ago ) to inquiries I am in the middle of a home purchase and just paid this loan in full. It was paid in one week ago in XXXX.
Your last credit update to XXXX shows this loan as 30 days past due. It has never been 30 days past due. I am simultaneously filing a policy report, claim with the Florida AG, and a complaint with the CFPB. Your are egregiously impacting my home purchase. I demand a call immediately and an update to the credit bureaus showing my account paid in full and NEVER late.
My last 4 payments to your company which I am pulling directly from my bank statements : - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$350.00} - XX/XX/XXXX - {$370.00} - XX/XX/XXXX - {$6300.00} ( paid in full )
|
| 04/27/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Included in my loan agreement is a provision ( found in sectio n ( E ) ( 9 ) ) th at states I am eligible for a three percent ( 3 % ) reduction in the Margin of my Loan if I satisfy certain requirements. Currently, my Margin is 17 % ( without said reduction ). I meet the requirements for the Margin reduction. I first messaged First Associates o n XXXX XXXX , 2017 as king for a list of what they would consider sufficient documentation. They did not respond. I mailed a letter dated XXXX XXXX , 2017 re questing the reduction and provided ample documentation demonstrating my eligibility. In said letter, I requested that I be notified within 10 days if any of the documentation was unsatisfactory. Otherwise, I requested that the reduction be applied to my Margin effective immediately. My letter and documentation was received by First Associates o n XXXX XXXX , 2017. I ha ve not heard anything from First Associates re garding my request, nor has the reduction been applied to my Margin. I require that they uphold their side of the loan agreement and apply the 3 % reduction to my Margin, retroactively effective to the request date of XXXX XXXX , 2017. M y new Margin should be 14 %.
|
| 04/30/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
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Attended XXXX. Was basically told on my last year of school that i had exhausted my Federal Loans, and the only way to continue school would be to pay out of pocket ( which I could not do ) or receive one of their Peaks Private student Loans. At the time i believed that this was for the remaining {$12000.00} of my tuition.
This loan was filled out in my name for now over {$25000.00} with an absolutely outrageous interest rate. I feel like I am now stuck between a rock and a hard place. They want over {$400.00} a month from a fresh graduate. On top of having to keep current with my Federal Loans.
I will basically have this loan until the day I die due to the fact that paying into it i still owe more than I did when i even started paying!
I feel I am the victim of predatory lending and there is no way financially for me to even remotely pay this loan back at the interest rate they provided. % 16 interest. There is NO way i can pay this.
Ive tried working with them to lower my rate and get a refinance. They will not budge due to my credit score, which is only getting worse due to THEM.
This is going to affect my young daughters and my life forever and i dont know what to do.
|
| 10/30/2015 |
No |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Received communication from XXXX XXXX XXXX ( XXXX ) stating I owed them for a defaulted private student loan through Peaks for attendance at XXXX XXXX, XXXX, SC. I requested debt validation because I never applied for a private student loan while attending XXXX. ERS provided me with a copy of an application/loan agreement that was e signed on XX/XX/XXXX. The enrollment period for the loan was XX/XX/XXXX to XX/XX/XXXX as listed on application. My last day at the school was XXXX/XXXX/2010. I provided an official letter from the school 's registrar that certified my dates of attendance from XX/XX/XXXX to XX/XX/XXXX. It is apparent that someone fraudulently applied for a loan for a periods of time when I was not enrolled at XXXX. These negative actions have ruined my credit as they are reporting as a defaulted loan in collections that continues to update monthly. I had no knowledge of this loan or its collections status until contacted by ERS. I faxed information to ERS to investigate and am awaiting a response to what the corrective action will be based on documents they provided. Peaks Fist Associates the original lender have no record of this loan and referred me to back to ERS.
|
| 09/19/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Can't qualify for a loan
|
|
Web |
Servicemember |
|
My private lender has no information about discharge of debt with their finical institution. They also have no information available loan forgiveness. They have also reported all interaction to all major credit agency. I have paid a few days early on each payment. furthermore I have paid a little bit more than the minim payment each month for the past 3-5 years.
With the collapse of my educational institution. A few of the student from the private and public sector that went to the college. We have gotten together to find solutions as a borrower. The first was the U.S. Higher Education Act, a law passed XX/XX/XXXX. For example it would be impossible to continue a degree from this institution. Because one they are closed and two they are not accredited. For fifty years this institution had no accreditation with any other education institution. They were known to have take private money funds from veterans ; who earned their degrees between XX/XX/XXXX-XX/XX/XXXX to pay for their own debt though. In XX/XX/XXXX alone XXXX veterans attended itt, according to student veterans of america. XXXX gi bills were planned to be used with the fall registration in XX/XX/XXXX.
|
| 04/08/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
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I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During this time, I was pressured into signing documents in which I did not have adequate time to review or discuss with a financial advisor. I was told to sign the papers or I would be kicked out of school. They stated that all my loans were through XXXX XXXX XXXX or through Federal Loan funding. Now in XX/XX/XXXX, I have received a phone call from a collection agency stating that I owe them money in the amount of {$2400.00} to a XXXX XXXX XXXX. My wife called and spoke to XXXX XXXX and they state the actual amount of the loan is {$24000.00}. I have never received paper work in regards to this private loan. I am currently working with XXXX and another company to get my federal and XXXX XXXX loans out of default, it came as quite a surprise that I am being told I owe an additional {$24000.00}. I did not receive a job upon graduation from XXXX XXXX, nor did they assist me in job seeking as advertised by their financial aid department and admissions departments. I am at a loss as to my next step with this school as they have ruined my credit and any hopes of owning a home, car or not having wages garnished.
|
| 08/01/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
Servicemember |
|
In XX/XX/XXXX, I enrolled and began classes at XXXX XXXX in XXXX XXXX, La. after a few weeks of classes, I began having difficulties with my instructors, such as inability to understand her speech, as she was from another country, and substituted many words and phrases with her native tongue. So, after requesting a change of courses, I switched from drafting and design, where i originally had issues, to criminal justice where id hoped to continue my education, only to receive an inaccurate attendance record, despite having all assignments and any homework from the " missing '' days. Boiling down to instructor errors, they terminated my instructor and hired a new instructor who started doing the same thing, if not worse ( making it seem as if i was not showing up for course hours ). I was promptly let go from all courses toward the middle of XX/XX/XXXX due to these inaccuracies in attendances. Overall I was enrolled from the summer of XX/XX/XXXX, to the fall of XX/XX/XXXX. I understand that I do not fall under the discharge of student loans due to their closure, I feel I am a victim of fraud as they could not supply me the education I signed up for.
|
| 02/03/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
I was experiencing financial hardship two years ago, due to being unable to secure employment, when I tried explaining this over the phone several times to the Agency ( PEAKS ), they kept threatening my credit and telling me I had to pay it in full, or they would send it to collections. Since I was n't employed at the time ( with no Government assistance, Unemployment, or assistance from family ), I could n't make the payments, and they sent my debt to collections. To this day, I 've been trying to work with them, but every time we set something up, they destroy my credit as if I have n't made any payments at all. On top of this, every time I have called, they keep requesting I pay it in full which is impossible, due to my current situation. I 've requested the recordings of the calls a few years ago, but they will not assist me any further aside from destroying my credit. Now I 'm currently unable to secure any sort of funding for anything. ( car, house, etc ) but yet have to pay {$14000.00}. I was unable to repay my loan, decrease my monthly payments at the time, or any sort of assistance from them.
|
| 09/28/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
I am currently paying to XXXX XXXX XXXX on behalf of the XXXX. I have received a validation notice and other related information to setup payments with XXXX. I have received all information from both XXXX and XXXX monthly. Along with a payment statement from XXXX parties for the last several months.
However, now another Debt collector 'Peaks Loans ' has started harassing my family and place of employment. I 've tried to talk to these people, mainly XXXX XXXX, to no avail. She did not have a professional license number and refused to give said address. They are very aggressive and insist they own all my debt. I never received a validation notice from this company. They are, in fact, not aware of any notifications that they should of informed me of. All they cite is that my former college and I signed " documents '' agreeing that they are the sole heirs of my debt. This is beyond false statement and they refuse to remove all contact information and to stop calling.
Again the person, is XXXX XXXX at XXXX XXXX XXXX XXXX Peaks Student Loans.
c/o Peaks LoanXXXX XXXX XXXX XXXX, CA XXXX
|
| 07/11/2017 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
I attended XXXX XXXX XXXX around XX/XX/XXXX. During that time I was enrolled in the XXXX program. At the time I did not realize I was not given the option to decline the Peaks private loan or use all my Federal loans before taking out a private loan. The loan they had me sign for was original {$6800.00} and currently XXXX. After I attending for about a year I realized I made mistake and decided to drop my classes. Around the time I decided to drop my classes I signed for the Peaks private Loan. So I called to have the loan cancelled. At that time First Associate was servicing the loan, and I was told the school will cancel the loan and return monies. However, that did not happen. I decided to sue over loan in XX/XX/XXXX. However, I lost my case. Last year, I learned that XXXX was found guilty of predatory lending and unethical business practices which resulted in them closing all their institutions. I am requesting that this loan be dismiss due to the nature of its circumstances, that reporting be removed from my credit report, and my money return to me that I paid over the years.
|
| 07/02/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
PEAKS private loan is the company XXXX tech has signed me up for and they have loans that are nowhere as big as the federal loans, total amount of private and federal is over XXXX, but cost almost double what the federal loans do. When checking the interest I found it was much higher than the other federal loans I have and was never told that Peaks was the company that they went through and was not even aware until I got a notice that my student loans were all consolidated for me even though I do not have a copy of any paperwork stating that I wanted them to do it. I was rushed through signing every student loan document in the school and most of the time they had already filled them out for me without me even seeing stating that I would be expelled if I did not sign it that day right then. I had no time to go through the paperwork due to the pressure from the financial department and the threat leveled against me. PEAKS, from what I have read, is part of the complaint against XXXX XXXX and was sent here from another website stating that this information should be presented.
|
| 12/06/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
I went to XXXX XXXX and that school shut down due to Fraud. My Degree in XXXX XXXX is worth nothing to me since we didn't learn anything. Our professors and teachers gave us the answers to all of our exams. Everyone in our class always passes with great numbers. I don't anyone ever got a C in any of our classes. everyone passed with an A or a B at most. I am now stuck with a huge student load and not working in the field I went to school for. It's like I took out a loan for absolutely no reason.
I am the only one working in my household and supporting XXXX kids, wife and a Grandmother. I do not have the fund or make enough money to make this monthly payment. I have spoken to the company who holds my loan and told them my situation. They have not done a single thing expect gave me a 2 month deferment and then raised my monthly payment. If I couldn't afford the original payment how can I afford a higher payment.
I need some help and any help world be highly appreciated by my family and I Thanks,
|
| 08/21/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I enrolled in an online class in XXXX, and the loan was through XXXX XXXX for around XXXX. I was unable to finish the class. I contacted XXXX in XXXX to pay the loan or come to so type of agreement. An agreement was reached or at least that was what I thought, the company withdrew the amount I agreed to pay five times within three days. Since this time I have not been able to reach any type of agreement with this company.
Now they are reporting on my credit report as an open account in the name of First Associates, and reporting late payments every month since XXXX. The interest has risen to XXXX and the fees add up to XXXX bringing my closed account up to XXXX.
I need help to get this company to report the right status and right account on my credit report because of their negative reporting and misleading reporting has cause me great harm and a tremendous lost of a home I was attempting to purchase.
My name is XXXX XXXX, and my email is : XXXX.
Thanks for your time, XXXX XXXX
|
| 05/26/2017 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
Good Afternoon, I graduated from XXXX XXXX in XXXX 2 011 . About 6 months to a year afterwards I start receiving calls from a company called XXXX ' who at the time I thought was a branch of XXXX or XXXX XXXX . I may have given them some XXXX which led me to call the XXXX all to be advised that they were a separate entity. I need support due to the fact that I never authorized XXXX XXXX to take Private loans out in my name. Nor was I aware that these loans were activated under my name or that they were even private. XXXX XXXX reps filled out our FASFA, only time that I signed papers was to confirm that I was taking classes and to maybe to complete the actual FASFA process. I would have Never taken out private loans. XXXX XXXX as really messed me over and I need help getting out of this financial rut for choosing the incorrect school that in the end took advantage of me and what sounds like a lot others in the process.
|
| 01/26/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I received two letters from XXXX XXXX XXXX. It states that the original creditor was XXXX XXXX, XXXX. and current creditor is XXXX XXXX XXXX. It states it was a student loan from when I attended XXXX XXXX XXXX and the amount of XXXX was given in XX/XX/XXXX another amount of XXXX was given XXXX of XXXX. Last payment received on XX/XX/XXXX. I called the company to dispute the validity of the accounts on the grounds that I signed no paperwork work when I attended XXXX XXXX XXXX in XXXX XXXX, Indiana to a XXXX XXXX, nor have I ever made a payment to them. When I attended XXXX XXXX, they forced me to get a loan from XXXX XXXX in order to cover their temporary credit or I could no longer attend. The only bank that I know I signed for was XXXX XXXX. I never got any repayment letters and never knew anything about a XXXX XXXX. I inquired about the so called last payment that was supposedly made and was told that they did not have any further information about it.
|
| 05/09/2016 |
No |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
Servicemember |
|
I went to XXXX XXXX Va from XX/XX/XXXX to XX/XX/XXXX..I 'm XXXX and I have {$60000.00} in student loan debt from XXXX XXXX XXXX XXXX {$30000.00} from federal loan and the rest from a private lender. My student loan payments are about {$520.00} a month just from the private lender Peaks loan. XXXX XXXX sold it to them and i got stuck with them. I make XXXX payments to the same private lender every month and they wo n't consolidate it because they said it has different interest rates.They would n't even tell me who owns the loans. that 's when i sense fraud.When i was reading about XXXX tech getting sued in the comments sections everyone was just about in the same situation I 'm in.I want to file or join a class action lawsuit against them. I am incapable of feeling relaxed when I think of my finances.I do not foresee my future children 's lives improving beyond my own as I will be incapable of providing to them the things I had as a child due to my debts.
|
| 11/04/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I called on XX/XX/XXXXto schedule a payment. One on XX/XX/XXXX for {$100.00} on the smaller student loan and another one post dated for FridayXX/XX/XXXXfor {$300.00} on the bigger loan when I get my direct deposit. However looking at my account the post dated payment was processed onXX/XX/XXXX and not on XX/XX/XXXX. This caused my XXXX credit card payment to return as non sufficient funds along with my XXXX payment I had scheduled online. I had enough to cover those payments at the time. This caused NSF fees on my bank account and late payments that were already schedule. If the post dated payment wouldve been processed on XX/XX/XXXX none of this wouldve happened. This isnt the first time I come across with issues from this company. Not too long ago my payment was misapplied, I called complaint and it was fixed, but now with their incompetence Im getting fees on my account, my other creditors payments returned, and affecting my credit history.
|
| 10/02/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
I attended XXXX AL location from XXXX and took out a PEAKS private loan with the school as they made it seem that was my only option to receive financial clearance in addition to my federal student loans. The school electronically signed most of our financial aid documents without our knowledge. They would call us into the office and tell us everything was already filled out and to agree to terms etc. I am still struggling to pass my XXXX graduation nearly 2 years ago now. I never did trust the school with my financial aide because it was all so under the table and pre-filled out. At this point I am drowning in interest from all the loans I have had to take out to receive my education from XXXX and I do n't feel it is fair for a school that is known for its fraudulent techniques with money to continue to be able to make money from me long after they filed bankruptcy for fraudulent reasons and closed down.
|
| 06/18/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
I went to XXXX XXXX XXXX GA XX/XX/XXXX I signed documentation to take out a private student loan from XXXX XXXX I was forced to withdraw from school in XX/XX/XXXX of the same year. without completing my XXXXr of school. In the ledger documentation the school says the received XXXX from the lender and XXXX was refunded, for some reason first associates aka XXXX says I owe them XXXX I called to inquire about this amount and they can give me no information since they took control of the matter XX/XX/XXXX ( interest rates disbursement amounts and dates ). so no idea were this extra money came from. and there is no way that it accumulated XXXX dollars in interest in 2 years unless there is unfair lending practices. XXXX XXXX should have sent every dime back considering that I had fed loans to cover the lil I went to school. It has destroyed my credit and I do not know what to do about it.
|
| 07/02/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I attended XXXX in XXXX va from XX/XX/XXXX until XX/XX/XXXX when I graduated with an XXXX in XXXX XXXX. During my time there I was told that all of my student loans were taken care of through federal loans or tc temporary school credit which I would pay back. When I graduated I was told my loans took care of all my debt and I did n't owe anything. Well ive been getting notices from XXXX for the past 3 years and they all said account balance {$0.00}. Today I received a notice from XXXX saying that I owed {$29000.00} for a loan and I was {$11000.00} past due with a payment of {$370.00} a month. I am unaware of this loan being that all my federal loans are together and add up to {$40000.00}. I did n't take these loans out to my knowledge and believe I was tricked or lied to about how my tuition was paid. I would like to be part of the lawsuit against XXXX for predatory practices.
|
| 03/14/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I found out from a letter sent to me for collection of a debt by XXXX XXXX XXXX in the amount of {$18000.00} on behalf of XXXX XXXX XXXX XXXX for a student loan I never authorized or knew about made by XXXX XXXX XXXX. If ANY Personal loan was taken or entered into by XXXX XXXX on my behalf I did not authorize the loan, was not aware of ANY loan or told about such a transaction and it would be fraudulent and WITHOUT my consent, I need am trying to get this loan removed or discharged and have not recieved response from XXXX. I have disputed this fraudulent loan with XXXX, I have filed a police report with our local Police Dept for identity theft. Please help me to get this fraudulent account closed and removed from my credit report. I can send a copy of the police report and letters sent to the collection agency and XXXX if needed.
Thank You XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/15/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Received a notice that the company purchased the account and turned it over for collection. The letter states that the the last payment was made on XX/XX/2006. There is no judgment against me for this. The statute of limitations has run out. They have had 13 years to contact me and this letter does not seem legitimate. I do not recognize the original creditor. Contacted them requesting original documentation, but the verification process required me to provide them with information they do not have. The verification process was odd. I called them with an attorney present and they kept putting us on hold to speak privately. They refused to send the documentation unless I provided them with an email address and my current phone number. I believe by contacting me at this time the new company is attempting to " re-age '' the original loan.
|
| 01/13/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
I HAVE A PRIVATE LOAN FROM XXXX XXXX. THE COMPANY ( XXXX XXXX ) PUT ME ON A REPAYMENT PLAN AFTER GRADUATION FOR $ XXXX MONTH BASED ON MY INCOME. I WAS ALLOWING AUTO DEBIT PAYMENTS FOR THIS $ XXXXMONTH FOR THE FIRST YEAR. AT THE END OF THAT YEAR THE PAYMENTS CEASED AND THEY INFORMED ME I HAD " BACK '' PAYMENTS I HAD NO KNOWLEDGE OF. THESE " BACK '' PAYMENTS EXCEEDED {$5000.00}! ON TOP OF MY NEW LOAN AMOUNT OF $ XXXX THAT WAS ORIGINALLY TOLD TO ME TO BE $ XXXX.
I NOW HAVE TO PAY THE $ XXXX IMMEDIATELY AS THEY HAVE ALREADY REPORTED NEGATIVELY TO MY CREDIT BUREAU.
AS MANY OTHERS WHO HAVE ATTENDED XXXX XXXX I AM STRUGGLING TO REPAY ALL OF THESE LOANS AS MY DEGREE IS CONSIDERED BY EMPLOYERS TO BE " WORTHLESS ''.
I DO NOT UNDERSTAND HOW THEY CAN CHARGE " BACK '' FEE 'S ME FOR HAVING A REPAYMENT PLAN THEY SET UP FOR ME.
|
| 09/23/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
I went to XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. I was told that federal loans would take care of the associate 's and bachelor 's degrees. About a year before I was supposed to graduate, I get pulled in the middle of class into the financial aid department. They told me that my federal loans had run out and that I would have to take out private loans to finish my degree. They had me take out a Peaks loan. Because of their high interest rates, my total federal and private loans come out to over $ XXXX. I am already in a student loan forgiveness program for my federal loan, but need help with my private loan with Peaks. I had contacted Peaks and the lowest they can drop my payments to is {$200.00}, which I still ca n't afford. There is no way the education I received from XXXX is worth anywhere near $ XXXX.
|
| 06/17/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
I went to XXXX in XXXX with hopes of starting a brighter future and while I was finally able to land a job in the XXXX they almost laughed during my interview when I told them I went to XXXX. My personal experience and own certifications landed me a job not the " education '' received at XXXX. What 's worse even though I was told I could later continue my education at another University I later found out that these credits were non-transferable! So everything they promised and told me and everything they " did n't '' tell me has hurt me and not helps. Also, thanks to Peaks private loans I started with a balance of {$21000.00} in private loans ( not to mention federal ) I have paid well over {$8000.00} and somehow still owe {$20000.00}. I feel ripped off and now feel like prisoner to debt.
|
| 03/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX sold this loan to First Associates. First Associates is effectively a shell company where it is impossible to have any type of discussion with someone.
I called First Associates and have emailed them. They have confirmed that I have never missed a payment. They sent me an email reply confirming as such and a file which I can't interpret. It appears to be something meant to send to the credit bureaus. However, what they are reporting as a late payment with XXXX is from late XX/XX/XXXX. The file they sent is itself incorrect as it shows payments stopping in late XX/XX/XXXX. This information is all correct.
I have never missed a payment and the loan was actually paid off in XX/XX/XXXX.
First Associates needs to update my loan with XXXX to show never late and paid in full.
|
| 11/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
For the past 7 months First Associates Loan Servicing, LLC for XXXX XXXX Loans has been not fully applying the full payment made each months, every agent I have talked to in my previous communications is that I am being told that the issue is being fixed, it happened again this month and I am starting to wonder if anyone is truly looking into fixing it. I keep getting texts and emails about being past due when full payments are clearly being made and yet it shows that I am overdue by {$3.00} each time, also every time I call all I get is an apology and that someone will be fixing the issue. It has now been going on for months now. See attached documents showing bank payment for full payment and First Associates Loan servicing account information not apllying the full amount paid.
|
| 11/22/2018 |
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
|
|
Web |
|
|
I was denied a security clearance because DOD found a delinquent account in an estimated amount of XXXX, creditor by XXXX XXXX on my credit report that am unaware of. I contact XXXX by disputing the account. XXXX came back stating when they contacted the creditor which is XXXX XXXX, stating account belongs to me and that theres no error. XXXX gave me XXXX XXXX phone number they have on file but when i called its not going through. I googled them and I got their number and the representative I spoke to told me is a private loan i took when i was attending XXXX XXXX XXXX around XX/XX/XXXX. XXXX XXXX offered my a settlement amount of {$8200.00} if i want to have it cleared of my report or I have to pay the past due amount on the account which is in an amount of {$10000.00}.
|
| 06/01/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I attended XXXX XXXX XXXX XXXX XXXX Illinois back in XXXX to XXXX I have a loan that shows from XXXX to XXXX in an amount of {$19000.00} that is a private loan that I never used but was paid to the school. The school was closed for the same reason I am contacting you now I never finished my degree there, I never got a job as promised and I 'm stuck with this loan on my credit that I never even used. Please help me cause the lender is not even trying to investigate the account and is leaving it to me to figure out. They told me they provided the money and do n't have any records of what it was spent for, and in my defense I 'm staying to them I never even used there money, I forced into a school that never help me get a job or a degree.
|
| 07/06/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I was wowed and tricked into attending this school by unfair practices the recruiters made. They painted this picture of state of the art equipment and other " bells and whistles '' the school allegedly had. Once there I was told I needed loans to pay for tuition. Initially I did n't qualify for these private loans. The financial aid advisor told me " do n't worry we 'll find a way '' this " way '' came at the cost of private loans through a company called XXXX now XXXX XXXX XXXX. I am now in debt XXXX dollars and ca n't afford to make payments. This loan in my eyes was textbook predatory lending. I was mislead and not informed of what the end costs would be and now I am very behind and overwhelmed with this lender. What can I do? Is there any relief?
|
| 09/27/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I attended XXXX XXXX XXXX from XXXX. I am now {$47000.00} in debt with both federal and private loans. I was told that my private loan company PEAKS was owned my XXXX XXXX and they have been sued this past year. I do not understand why I have to keep paying {$200.00} a month to this company if they are owned by the school that was shut down for fraud. XXXX XXXX also lost it 's accreditation recently. So XXXX XXXX was shut down for fraud and they are no longer accredited, but they expect me to keep paying both my federal and private loans for a degree that no longer even means anything. That {$200.00} a month is just the amount in private loans. I owe over {$8000.00} to PEAKS private loans and over {$33000.00} to XXXX Federal loans.
|
| 04/19/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Qualify for a better loan than offered
|
|
Web |
|
|
I believe like i 'm a victim to false advertisement like many of the students fighting for there money back at XXXX XXXX XXXX. I think it was unfair to begin with to be pulled aside during class and told that I did n't qualify for aid so I needed to get private student loans. I have made my complaint with the XXXX about predatory loans, Overly ambitious job placement, and knowing gaining profit from people defaulting on there loans. I feel used, and I think that my life was wasted after so many years not being able to find a career within my degree. I really have no idea why I had to switch to federal, and I think I was to young to even understand at that point. only the threat of not being able to continue my degree.
|
| 06/19/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I get called on a daily bases, I dont always answer, i do have payment arraingement agree to XXXX a month for my private student loan debt, and my reloadable card has been charged, yet i continue to receive calls everyday, the calls started eveyday after i made my first payment back on XX/XX/2019, i get harress everytime i do answer, they keep asking for more and more money, they wont even let me politly off the phone, i have to get rude or hang up on them, they wont meet my budget monthly limit, they wont agree to stop calling me everyday, i can not work with this company on an acceptible agreement to solve this private student loan debt. The company name is Activate Financial. ( XXXX ) XXXX
|
| 11/01/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I initially checked my credit report and saw a balance for {$12000.00} for XXXX XXXX XXXX XXXX. I contacted the company on XX/XX/XXXX and requested a copy of the loan agreement with my signature, and the agent agreed to send the information. He also stated that the loan was opened back in XX/XX/XXXX. I told him that I don't recall signing for the loan. Instead of sending the document I requested, the agent emailed a docusign settlement statement, which I didn't sign for. I will not agree to a loan that I never signed for. I am requesting an original copy of the loan terms, which they will not provide to me. I will also file a complaint with the credit bureau.
|
| 04/18/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have a loan with First Associates from back in XX/XX/2013 but I never took the course. I tried with no avail over the years to get it resolved and they are unwilling to resolve it. I am in the process of trying to purchase a home and I keep getting denied because it says I am late every month in the amount of {$3000.00} and that is in collections. It also says that a {$33.00} payment is due a month but when I contacted First Associates they stated that the loan had reached its maturity date so there was no payment due. The loan can not be in collections and late every month they need to fix this issue or I will file a lawsuit to get it resolved.
|
| 08/25/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
This complaint is about First Associates : XXXX which company is responsible for receiving the payments for my loan for school, University XXXX . The complaints are as follows:1. The company does not offer me visibility to the daily debits and credits to my loan account. All transactions are lumped into a few lines in each of my monthly statements.
2. The company has severally made errors in computations on my account, the latest of which is that a payment of {$1200.00} which I made to the account was not recorded in the relevant statement ( see attachments ). I can provide additional example of errors made in the past on my account on request.
|
| 04/12/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I have been paying on my Peaks student loan since 2010. I felt that from the start I was tricked into getting this loan. I was pulled aside from my class and told my federal student loan was not available so I needed to get involved with peaks. I was XXXX years old then. After realizing the scam that XXXX tech was I struggled to get a good paying job after graduation. With the lawsuit on the way by the SEC I think it 's about time even for myself to take a stand against the fraudulent acts of XXXX.
I have sent this information for the 3rd time now. I have not received a call back from XXXX or no one else. So here I am sending it again.
|
| 05/20/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
I attended XXXX XXXX for a XXXX degree program for XX/XX/XXXX-XXXX. I was never advised of a private loan being taken out until collection efforts began. I was able to defer the loan for no more than 12 months and after that I had no choice but to pay them for my credit to remain clear. All other loans were able to be entered into student loan and public service loan forgiveness, except this private loan. I am struggling to pay this loan every month, which I did n't know existed until about a year after graduating, and the loan company is advising that I have already used deferment and have no other options available to me for repayment.
|
| 04/21/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
While enrolled at XXXX XXXX it was my understanding that I only had subsidized and unsubsidized loan. When applying for a house last year it was brought to my attention that I had a private loan through FA-PEAKS showing on my credit report. This was news to me as I was unaware of any private loans for my schooling. I contacted FA-PEAKS and the were very unreasonable with their request as far as a repayment plan. The total loan amount was for {$9700.00} but they wanted at least {$4500.00} to even start a repayment plan. This seemed very fraudulent to me the more I spoke with the representative and the more I researched the company.
|
| 04/25/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
You currently have a case pending VS. XXXX XXXX that covers these ridiculously over priced loans that they preyed upon the students for. My question is what are the students supposed to do in the mean time? I just received my monthly statement in the mail and it went up about {$100.00} for the month. I cant afford to pay that to them but they wont work with the payments either. So while this plays out in the courts what are we the students supposed to do? Can you push an injunction to get them to freeze all XXXX and PEAKS account collection activity until this is resolved? When do those of us who are suffering get relief?
|
| 06/25/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
I had been attending XXXX XXXX XXXX for my XXXX degrees. During that time, their financial aid office handled all transactions with my private loans and federal loans. I have signed documents from these times applying for the federal loans and they dealt with the transfers of my private loans to several parties. During that time I noticed that when they transferred my loans from one private lender to another my loans increased in each by about 20 % -30 %. I do not recollect any documentation of any " interest '' or " fees '' that would state my overall loans would be increased to add on another 20-30 % of my entire loan.
|
| 08/05/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This debt is in dispute and has been since XX/XX/XXXX. The original creditor is XXXX XXXX XXXX XXXX XXXX. First Associates Loan Servicing c/o XXXX XXXX XXXX is attempting to collect the debt. XXXX XXXX XXXX began initial written communication about this debt in XX/XX/XXXX and identified their organization as a debt collector. XXXX failed to provide information according to FDCPA 809.a.1-5 [ 15 USC 1692 ] that validates the debt, the original creditor and provide an opportunity for the dispute of this debt since they are not the original creditor as evidenced by the Truth in Lending Disclosure Statement ( attached ).
|
| 08/16/2019 |
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
|
|
Web |
|
|
I was a victim of predatory lending with School XXXX XXXX was sent a letter by Student CU Connect informing me that I’m no longer responsible for loans and I have a XXXX balance. But company refuses to honor the discharge. And I was sent a letter that my dispute was denied by company XXXX. Student Loans Amounts in Total is XXXX dollars. XX/XX/XXXX loan amount $XXXX. , XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX. This has been an on going problem for 10 years. And I would like to be able to get my life back. I’ve reported to all bureaus and was denied of my disputes.
|
| 09/03/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
Was tricked into applying for a private loan with peaks under the guise that it would be a part of my existing loans with XXXX XXXX.
Peaks offers no provisions for a deferment and refuses to offer me any assistance with repayment, I 'm XXXX dollars in dept and XXXX dollars behind, since I was not able to make my payment, my account is now XXXX days delinquent.
If they had offered a forebearence option or an income based repayment like XXXX XXXX does, I would not be in this situation. Their collectors are calling multiple times a day.
Im having a very difficult time managing the XXXX this is causing.
|
| 12/26/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I opened this loan in XX/XX/2016 to pay for a education program. I had times of hardships, and kept in contact with the company for payment arrangements. I had automatic payments come out of my account and they are not showing up or being acknowledged by the company. When I try to call the company to pay the rest of my account off and figure out where my money was going they hang up or leave me on hold for extended periods of time until I hang up. They never answer my questions, and this has ruined my credit scores keeping me from being able to get any car or home loans for my family or anything else.
|
| 11/16/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
I was forced into a loan situation using Peaks Loans instead of the XXXX loans i wanted to use while attending XXXX. I would like to get out of these loans but i can not get a loan to consolidate the payments at a lower rate than the 11 % i am being charged now. This company has alos reported that my loans were past due at times that they were n't and would randomly report that i was 90 days past due and then the next month state that i was current. This would bounce around like this for a while and i could not get anyone to discuss with me about the amounts and why they were the way they were.
|
| 02/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
ABOUT A YEAR AGO I FILED A COMPLAINT WITH YOUR AGENCY CONCERNING ACTIVATE FINANCIAL SENDING DEBT COLLECTION LETTERS TO MY HOME FOR ANOTHER PERSON WITH THE SAME NAME. AFTER THE COMPLAINT I RECEIVED A LETTER FROM ACTIVATE APPOLOGISING AND PROMISING TO FIX THE PROBLEM. AFTER A COUPLE MONTH THE LETTERS STOPPED, UNTIL NOW. I RECEIVED A LETTER DATED XX/XX/2020 WITH THE SAME DEMAND AS BEFORE. I AM CONCERNED THAT THIS IS AFFECTING MY CREDIT REPORT. I WANT THEM TO STOP PERMANENTLY. I WANT THEM FINED. THERE HAS BEEN NO OTHER XXXX XXXX LIVING AT MY ADDRESS SINCE THE DAY THE HOUSE WAS BUILT.
|
| 12/05/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I was XXXX when I had a meeting about how to pay for my school at XXXX XXXX I did not I did not understand what they were talking about. someone just gave me some papers to sign. after I graduated I got many, many calls about owing money for going to XXXX. I told them that I could not remember what they were talking about. I told them to stop calling but they not stop. I got really scared to answer the phone because they very mean to me. I went to my psychiatrist and he changed my drugs to help me out. I got a lawyer who told me he was going to sue and I would get a lot of money.
|
| 08/21/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I attended XXXX XXXX from XXXX. I paid my loan balance off through Peaks private student loans shortly after the school closed in XXXX. After hearing the settlement that was reached by the CFPB and XXXX/Peaks it is my understanding that the remaining balances owed to these private lenders is now discharged. I have reached out to Peaks numerous times to have the amount roughly ($10,000) reimbursed to me but they will disagree. It is only fair that students that paid their debt off in full receive the same treatment that other students received by getting their loans discharged.
|
| 05/31/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have XXXX loans with Student Credit Union Connect. I made a payment on XX/XX/XXXX for {$310.00} to my larger loan however the payment was applied towards the smaller loan instead. My loan since has been reported late and affecting my credit. Ive reached out to them multiple times to fix it however it has not been fixed. This is the second time Ive had to filed a complaint due to the miss habdeling of my account. Another payment was made on XX/XX/XXXX for {$480.00} Im hoping it was applied correctly however I didnt received a confirmation email as promised m.
|
| 06/10/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In 2013 I considered taking a course at XXXX XXXX College online and was told the loan would be throu gh First Associates. I never took the course therefore I am not responsible for the loan ... .I spoke with First Associates and they stated that they had paid the school and I was responsible for the loan. A representative from First Associates called and wanted me to ver ify personal information as a victim of identity theft I did not feel comfortable doing so. The representative hung up and next thing I know the account was placed in collections.
|
| 03/06/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
XXXX took out a loan on my behalf to pay for a Temporary Credit they say I owed them immediately upon graduation and that I could not setup a payment plan on. My understanding is that this is common practice for them and I am not the only person who has had this happen to them.
There is no way I should have even qualified for this loan, or any loan from them, as I had no income and no co-signer when I applied for XXXX and no means to repay the loan other than a promise of a high paying job once I graduated.
The loan was through XXXX XXXX XXXX XXXX
|
| 10/23/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
Servicemember |
|
I just found out that I have to pay off an additional student loan. XXXX XXXX XXXX ( the school that I attended from XX/XX/XXXX through XX/XX/XXXX ), made me sign documents that I had not reviewed. They said if I did not sign the paperwork that I could not graduate. I desperately wanted to graduate and get a job so I signed them. The paperwork must have been for the private PEAKS loan totaling over {$18000.00}. There was no activity on these loans while I was attending the school or after I graduated. They are seeking payment now.
|
| 12/04/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I am having a difficult time getting my private loans from Activate Financial discharged. Also, the money that was paid on the account balance originally, must be reimbursed. However, the original creditor, ( XXXX XXXX, XXXX. ), is no longer the current creditor as it is now, Peaks Trust XXXX. I do not have any of my previous receipts to prove my claim, however, I am sure that I have paid close to {$2000.00} on my original account balance. Originally, my account balance exceeded {$8000.00} and now it is just above {$6000.00}.
|
| 05/12/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
Peaks is unwilling to help me with my XXXX XXXX loan being unemployed and unable to make payments on my loan. They charged me {$60.00} in fees to bring me up to date but after refused to work with me any further demanding I pay. I have sent emails that have gone unanswered and receive phone calls that just ask me for money. I have exhausted my 6 month grace period not having a job. They know I am unemployed and currently unable to pay them back. Their lack of help will lead me to default and financial ruin for years to come.
|
| 03/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Peaks # XXXX is reporting a charged off account to my report that I have never heard of. I did not even know this account existed until I had my credit pulled and saw it on there. I've never received any form of notice or information about this account. I went to XXXX and they erroneously opened the loan, it is not mine. I have never had a loan through them nor did I sign anything. I am part of the class action law suit that was taken against them. This account is not mine and I need it removed off my credit.
|
| 04/27/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
Notice of Change of Interest Rate On XXXX XXXX XXXX, the Federal Reserve announced their decision to increase the US Prime Rate by 0.25 %. All Peaks loan contracts includes a variable rate tied to this index and therefore, effective XXXX XXXX XXXX, interest rates increased by 0.25 %. The increase in the interest rate will cause your payment to re-amortize resulting in a slightly higher monthly payment which will take effect for any payments which billed after XXXX XXXX, XXXX.
www.peaksloan.com.
|
| 11/09/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I began attending XXXX XXXX at age XXXX and began signing loan documents while I was still in high school. I have accumulated XXXX loans to both private institutions and the federal government totaling over {$50000.00}. I have an XXXX in XXXX XXXX which has not been accepted for transfer to any four year institution at which I have applied. Numerous law enforcement agencies have also rejected the authenticity of my degree. Therefore I am stuck with a degree I ca n't use and {$50000.00} of debt.
|
| 08/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
ACTIVATE FINANCIAL IS TRYING TO COLLECT FROM XXXX, A DEBT OVER 11 YEARS AGO WHICH WAS DISCHARGED.
THEY SHOULD NOT BE ALLOWED TO HARASS ME AS I AM XXXX, WAS ON MEDICAL, MEDICARE, AND HAVE NO INCOME WHATSOEVER.
THE STATUTE OF LIMITATIONS APPLIES TO DEBT IN THIS CATEGORY In California the statute of limitations period on debts is 4 years ; Debts that have lingered longer than the statutes allow are often referred to as " time-barred debts. '' I WANT THEM TO BE TOLD TO STOP TRYING TO COLLECT.
|
| 09/22/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
I first got into trouble with making student loan after receiving a forbearance or deferment from First Associates of a few months. Things did not get better with me in that time and their lower payment options were just under {$100.00} which I could not afford that either, But I attempted for 3 or 4 months to pay as agreed but just could not keep up without letting something else go. I communicated this to them, however it was to no avail. The help they give is not really help at all.
|
| 08/26/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
When attending XXXX I did not know the high interest rates from my private loans. The payments are too high and hard to afford. Current interest rates are 10.25 %. I am submitting this complaint from attending XXXX from XXXX. When attending XXXX we were not told about the interest rates and pressured into the loans. Below is the amount owed to First Associates Loan Servicing, XXXX {$6200.00} $ XXXX is the contact info for First AssociatesPhone : XXXX : XXXX XXXX XXXX XXXX, CA XXXX
|
| 10/12/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Account terms and changes
|
|
Web |
|
|
XXXX did not meet their delivery timeline. So I cancelled the order and they continue deduct money from me in XXXX 's when i cancelled XXXX XXXX. They are looking for me to jump through hoops for my refund, while they continues to take money out of my account. I have instructed the bank to place a stop payment for this debit. Called today and they are requesting after two months and no refund to send bank statements to show they have my money and it two month later.
|
| 08/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
I obtained a car loan through XXXX XXXX XXXX back in XX/XX/XXXX. The loan was then transferred to XXXX XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and elected to voluntarily surrender the vehicle. I was informed by the lender 's attorney that they are not coming to pickup the vehicle. They have filed a claim in my bankruptcy case for the balance of the loan ( {$4400.00} ). I now have a vehicle I can not dispose of, if they are not going to repossess it.
|
| 12/04/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have tried to reach out to Student Credit Union Connect on this number XXXX, but I am unable to get a response or leave a message. My account with the credit union has been discharged, but the money that I have paid on the original balance has not been reimbursed to me. I don't have any of my receipts, however my original balance totalled more than {$8000.00} and at the time of which the account was closed, I owed a little more than {$6000.00}.
|
| 01/05/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I just do n't make enough money to repay these loans. XXXX made me take out loans against my better judgement as a XXXX year old child with XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.
To XXXX XXXX XXXX XXXX i owe - {$23000.00} To XXXX XXXX XXXX XXXX i owe - {$49000.00} This was all for a 2 year degree no one will even look at because it says XXXX on it. Please help i am getting physically ill from the XXXX of dealing with these people.
|
| 12/09/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I took out a private student loan with Peaks Loan to supplement my federal student loans to pay for classes at XXXX XXXX XXXX. XXXX charged exorbitant amounts for a sub-standard education and misled me with inflated job placement and salary information. The degree received from XXXX in 2013 is now rendered completely worthless because XXXX lost its accreditation and closed.
|
| 04/15/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
Peaks private loans, I have never received any written correspondence from them ever. I was forced into this private loan through XXXX XXXX. The only way to see a balance is from their grossly outdated website and charge extra for any little thing. I will not allow this company to ever have access to my bank account in the form of an auto payment. Avoid Avoid Avoid!
|
| 02/15/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
I attended XXXX XXXX and did not qualify for an certain amount of aid so I was told they would provide a private lending loan. I was not fully aware that these loans can only be put into deferment for only six months after me graduating. I am currently in school and can not make these payments. This degree that XXXX offered does not qualify for any jobs these days.
|
| 06/15/2019 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
Hello I see that XXXX now has to forgive all the private student loans that were handed out to XXXX XXXX students I was part of this but since have refinanced mine with XXXX XXXX for a lower rate so how do I get my money back to take care of this as it cost me over 18k.
In regards to case number XXXX I started the school in XXXX XXXX and finished in XXXX XXXX
|
| 04/10/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
Peaks private student loan quit contacting me for a year after bankruptcy now every 3 months I receive an email stating that I owe them money. I have pulled my credit report and it does say discharged due to chapter XXXX bankruptcy. I have advised them of the bankruptcy my attorney information and the will still not quit contacting me
|
| 07/21/2017 |
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
|
|
Web |
|
|
I have a loan with Peaks Private Student Loan and it has been charged off for sometime now however they keep re-aging the account and this practice is illegal. I filed a dispute with XXXX and all they did was verify that the account belonged to me. That was not what I was disputing. So I would like the account deleted from my file.
|
| 09/07/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
My school was shut down ( XXXX ) and credits are not transferable. I do not feel that I should have to pay loans for schooling that I can not use. I did not finish the program and would have to start all over losing all of my credits. I contacted the loan comany and was told that they could not help me with discharging my loans.
|
| 02/01/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I recieved a loan for XXXX education to do personal trainng which I finished and passed the test. Everywhere I have gone no gym has heard of them and will not even accept me as an intern. They say they are not accredited. I feel like I was ripped off and am very dissapointed in the way they got me to agree to the loan.
|
| 12/29/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
First Associates XXXX XXXX continues to indicate I owe a debt to them ; however, they continue to refuse to communicate anything with me when I call to get them to verify the information. I never opened an account with First Associates or XXXX XXXX, and that account needs to be removed from my consumer report ( s ).
|
| 08/15/2018 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
When I attended XXXX XXXX XXXX, I was unaware that they got a private loan in my name. I was under the impression that I was getting federal loans like the rest. I've called this company explaining the situation and they refuse to comply. Please help me. This is wrecking my credit. I've filed an FTC report as well.
|
| 04/01/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
I received an XXXX XXXX from XXXX XXXX University in XXXX NY in 2012. I was XXXX off from my job and wanted to go back to school. What I could not get Federal loans for XXXX XXXX said they would get me XXXX loans for. I am now in debt for around {$50000.00} and am having trouble making all the payments.
|
| 03/12/2019 |
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
|
|
Web |
|
|
Signed up for an online medical course in XX/XX/2013. I was not able to complete the course I notified the loan company and school who would not cancel the loan disputed numerous times still keeps popping up on credit report. I am not responsible for the debt as I did not complete the course.
|
| 01/19/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
My student loan was held by First Associate and was to be transferred to XXXX. XXXX said they did not receive my student loan. I need help to find the student loan. I ran my credit report, it does not show who is servicing this loan. The student loan has been " gone '' for almost XXXX years.
|
| 09/07/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
After graduating XXXX, the loan payments became astonomically unaffordable. they offered income based repayment plans but it made the balance and principal constantly grow to where payements were not going towards principal or interest. it 's impossible to pay this loan off on their terms.
|
| 01/28/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
My student loan was held by XXXX XXXX and was to be transferred to ATG. ATG said they did not receive my student loan. I need help to find the student loan. I ran my credit report, it does not show who is servicing this loan. The student loan has been " gone '' for almost 1 1/2 years.
|
| 05/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX was closed do to fraud. I was able to receive a debt discharge for my student loans based upon their actions. I now have a 3rd party collection company trying to collect on this discharged debt. They are also currently reporting late payments on my credit report.
|
| 09/24/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
XXXX XXXX took out XXXX XXXX loans in access of {$40000.00} around XX/XX/2010, Interest as high as XXXX percent on one loan. XXXX wont work with me to offer lower payment options. I have used their forbearance period for all 3 loans.I pay over {$800.00} per month.
|
| 08/05/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I Have a loan with Vouch Financial and have made 4 payments which all were made on time. Vouch Financial went out of business and now the have a the loan being serviced by XXXX XXXX XXXX XXXX XXXX. They did not want to give me the physical address of XXXX XXXX,
|
| 08/18/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
I went to XXXX XXXX and was told i needed to get a Peaks loan to cover my Temporary Credit balance, or else i would need to pay the full amount of the temporary credit and the follow years tuition or else I would n't be able to finish my degree program.
|
| 07/22/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I had a settlement agreement with the company and gave them permission to deduct a specific amount from my checking account. They deducted an amount 33 % greater than the agreed upon settlement committing wire fraud and are refusing to issue a refund.
|
| 07/08/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
I attended XXXX XXXX in XXXX MA. Now I have Federal and Private Loans. The Federal I was able to consilidate XXXX loans into 1. But I still have XXXX private loans each with large interest rates. I 'm struggling to pay these debt off now.
|
| 09/08/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
Servicemember |
|
I was pressured and rushed into getting a private loan through XXXX XXXX rather than being given several options or time to seek out other loans. I am now stuck with a High interest loan with a high payment that I can not afford.
|
| 12/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a personal loan with this company, and i paid this loan off on XX/XX/2018.i was informed at the time that this account would be closed within 30 days.but as of this date that account still exist on my credit profile.
|
| 12/11/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
XXXX XXXX XXXX keeps calling about a private student loan that was not signed by me. I have the documents that shows no signature. This loan is a school loan through XXXX. I did not take out private loans for this school.
|
| 07/21/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX campus. XXXX XXXX XXXX XXXX.
I just graduated with a XXXX degree and I owe around XXXX in loans I feel that I am being over charged and I have had problems even getting a job.
|
| 03/16/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
Peaks loan company is unwilling to assist with repayment options, I never signed up for them and was never informed by XXXX XXXX, and their interest is the highest I have ever seen for student loans.
|
| 01/11/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
I 'm an receiving debt collections calls from XXXX XXXX XXXX XXXX XXXX XXXX about an account that is not past due. I am being refused the option to speak wit ha supervisor about stopping the calls.
|
| 08/17/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I have tried paying my loan but I ca n't and I am two months behind on my loan and I called them to let them know about the payment peaks loan said ca n't you borrow the money from a family member
|
| 11/19/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have been paying this company since 2013 and they refuse to adjust the balance or report accurately. I have not been late on a payment. They have not counted my payment toward the balance.
|
| 04/06/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Qualify for a better loan than offered
|
|
Web |
|
|
I went to XXXX for my education, and the cost was so high that when a federal loan would n't cover the cost XXXX used a company by the name of PEAK Loan which runs a 13 % interest rate.
|
| 08/23/2019 |
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
|
|
Web |
|
|
School closed victim of predatory lending disputes through XXXX XXXX, student cu connect has discharged my loans but refused to erase credit lines on credit report.
|
| 08/24/2019 |
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
|
|
Web |
|
|
School Closing Outstanding Loans was mailed discharge paper but was not granted removal from credit report
|
| 01/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 12/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 11/03/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 10/09/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 09/13/2019 |
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
|
|
Web |
|
|
|
| 09/03/2019 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 07/31/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Phone |
|
|
|
| 07/23/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Referral |
|
|
|
| 07/19/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 07/10/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 07/08/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Phone |
|
|
|
| 07/03/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 06/26/2019 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 05/31/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 05/17/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 05/10/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 05/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 05/08/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/18/2019 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 04/18/2019 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 04/17/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 04/17/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 04/11/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 04/08/2019 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 04/08/2019 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 03/27/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/27/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/23/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 03/23/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 03/04/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 02/22/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/04/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Phone |
|
|
|
| 10/22/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 09/25/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 09/15/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
|
| 08/18/2018 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
|
| 07/11/2018 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
|
| 06/21/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 06/04/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Phone |
Servicemember |
|
|
| 04/22/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 01/11/2018 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
|
| 11/13/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 11/11/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/26/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 10/06/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 09/06/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 08/24/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Phone |
|
|
|
| 07/19/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Phone |
|
|
|
| 07/18/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 07/06/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
Servicemember |
|
|
| 07/01/2017 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
|
| 04/28/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Referral |
|
|
|
| 03/08/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/17/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/29/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 01/24/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 12/22/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 12/08/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 11/25/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 11/07/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Can't qualify for a loan
|
|
Web |
|
|
|
| 10/17/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 10/16/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Qualify for a better loan than offered
|
|
Web |
|
|
|
| 09/19/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Phone |
|
|
|
| 09/09/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 09/06/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 09/06/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Phone |
|
|
|
| 08/31/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Can't qualify for a loan
|
|
Web |
|
|
|
| 08/30/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 08/27/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 07/29/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 07/24/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 06/10/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 06/01/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 04/19/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 04/11/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 04/05/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 03/16/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 03/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/03/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Qualify for a better loan than offered
|
|
Web |
|
|
|
| 03/02/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 02/29/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Qualify for a better loan than offered
|
|
Web |
|
|
|
| 02/22/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 02/20/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 02/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/21/2016 |
No |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 01/12/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Referral |
|
|
|
| 12/29/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/14/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 12/03/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 12/03/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 11/19/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 11/18/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Referral |
|
|
|
| 10/26/2015 |
No |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 10/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
Older American, Servicemember |
|
|
| 09/02/2015 |
No |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 08/31/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 08/26/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 08/24/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/18/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 08/09/2015 |
No |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 08/05/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 07/07/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 07/06/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 06/28/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 06/24/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Phone |
|
|
|
| 05/20/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
Older American |
|
|
| 05/19/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 04/29/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 04/29/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 04/19/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Qualify for a better loan than offered
|
|
Web |
|
|
|
| 04/16/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 04/07/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 04/02/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Phone |
|
|
|
| 03/24/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 03/16/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Postal mail |
|
|
|
| 03/16/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
Servicemember |
|
|
| 03/16/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 03/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 03/09/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
Servicemember |
|
|
| 03/04/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 02/24/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 02/20/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 02/17/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Phone |
|
|
|
| 02/15/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 02/11/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 02/10/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 02/10/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 02/09/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 02/04/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 02/02/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 01/31/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 01/29/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 01/26/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 01/15/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 01/15/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Can't qualify for a loan
|
|
Web |
|
|
|
| 01/13/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 01/06/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 12/29/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 12/26/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Qualify for a better loan than offered
|
|
Web |
|
|
|
| 12/24/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
Servicemember |
|
|
| 12/20/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 12/05/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 12/04/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 12/01/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
Servicemember |
|
|
| 11/26/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 11/25/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 11/24/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 11/15/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 11/08/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 11/06/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Phone |
|
|
|
| 11/04/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 11/03/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 10/25/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 10/22/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 10/19/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 10/16/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Qualify for a better loan than offered
|
|
Web |
|
|
|
| 10/14/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 10/02/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 10/01/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Servicemember |
|
|
| 09/30/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 09/29/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 09/21/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 09/19/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
Servicemember |
|
|
| 09/17/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Phone |
|
|
|
| 09/15/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Can't qualify for a loan
|
|
Web |
|
|
|
| 09/09/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 09/09/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 09/09/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 09/08/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
Servicemember |
|
|
| 09/04/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 09/02/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 08/27/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 08/26/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 08/23/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
Servicemember |
|
|
| 08/19/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 08/14/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 08/05/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 08/05/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Qualify for a better loan than offered
|
|
Web |
|
|
|
| 07/28/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 07/28/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Phone |
|
|
|
| 07/22/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 07/20/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 07/20/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 07/20/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 07/19/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 07/13/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
|
| 07/10/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 07/08/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 07/07/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 07/07/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 07/06/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 07/03/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 07/03/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 07/02/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 06/28/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/26/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 06/23/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 06/20/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 06/13/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 06/06/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 06/03/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Qualify for a better loan than offered
|
|
Web |
|
|
|
| 05/30/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 05/27/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 05/14/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Phone |
Servicemember |
|
|
| 05/12/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 05/10/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 04/28/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 04/10/2014 |
No |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 04/09/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 03/27/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 03/27/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 03/20/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
Servicemember |
|
|
| 03/18/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 03/14/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 03/13/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 03/12/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 03/11/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 03/11/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 03/10/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Can't qualify for a loan
|
|
Web |
|
|
|
| 03/10/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 03/06/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 03/04/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 02/28/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 01/16/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 01/03/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 10/04/2013 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
|
|
|
| 10/03/2013 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
|
|
|
| 09/03/2013 |
Yes |
- Student loan
- Non-federal student loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 04/30/2013 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
|
|
|
| 04/26/2013 |
Yes |
- Student loan
- Non-federal student loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 04/02/2013 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
|
|
|
| 03/26/2013 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Referral |
|
|
|
| 03/15/2013 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
|
|
|
| 03/14/2013 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
|
|
|
| 01/18/2013 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
|
|
|
| 12/31/2012 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
|
|
|
| 09/17/2012 |
Yes |
- Student loan
- Non-federal student loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/07/2012 |
Yes |
- Student loan
- Non-federal student loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 05/16/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|