| 02/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Under penalty of perjury XXXX XXXX XXXXComplainant hereby respectfully seeks immediate Department of Education-Maximus/Aidvantage official's/s ' express signed and dated letter rescinding ( EXHIBIT 1. ) letter ( postmarked XXXX XX/XX/XXXX ), demanding repayment of XXXX " XXXX original principal, XXXX unpaid principal, XXXX interest rate '' student loan. ( EXHIBIT 1. page two, loan text box ).
Complainant/XXXX XXXX XXXX repaid all/100 % XXXX existing student loans via Standard Repayment Plan ( 10 years equal monthly payments made to servicers, XXXX and XXXX XXXX ). PAID-IN-FULL letters from both XXXX ( dated XXXX XX/XX/XXXX, EXHIBIT 5. ) and XXXX XXXX ( dated XXXX XX/XX/XXXX, EXHIBIT 4. ) are attached. Paid-In-Full 100 % Complainant 's loans are reiterated in National Student Loan Data System/NSLDS. Complainant/XXXX XXXX XXXX is a licensed attorney since XXXX. Department of Education-Maximus/Aidvantage 's per se fraudulent- and extortionate allegation ( EXHIBIT 1. ) of nonpayment of said " cancelled, XXXX total balance '' student loan left unchallenged, may wrongfully subject XXXX XXXX XXXX to unnecessary and costly litigation to counter possible loss of license to practice law.
TIMELINE OF DEPARTMENT OF EDUCATION-MAXIMUS/AIDVANTAGE CONTACT XXXX XXXX XXXXone federal student loan was " cancelled, '' " XXXX [ disbursed ], '' " XXXX total balance, '' " XXXX principal, '' " XXXX interest, '' " XXXX amount remaining '' ( EXHIBIT 2. Copy of NSLDS record for said loan ).
XXXX XXXX XXXX-Department of Education-Maximus/Aidvantage interstate mailed Complainant a letter providing a XXXX repayment account number re said " 2010-cancelled, XXXX total balance, XXXX amount remaning '' loan, repeatedly requesting said loan 's repayment ( EXHIBIT 1. ).
XXXX XXXX XXXX-Complainant received EXHIBIT 1. Department of Education-Maximus/Aidvantage `` cancelled '' loan repayment demand letter.
XXXX XXXX XXXXComplainant phoned Maximus/Aidvantage information telephone number, XXXX, shown in EXHIBIT 1. page 1, right column. The first two calls to said information number were robo-answered. After Complainant provided answers to multiple robo-queries and was told " immediate transfer to live Customer Service Representative , '' said calls resulted in Aidvantage prompt hangups. At about XXXX XXXX, a third phone call was answered by Aidvantage Customer Service Representative, " XXXX XXXX, '' who asked Complainant repeatedly to establish an online Aidvantage auto-payment account with unlimited email- and cell phone contact. When Complainant explained that said Aidvantage account and demand letter for AIDVANTAGE-ADMITTED-XXXX-balance student loan 's repayment ( EXHIBIT 1, page 2, last line ) was unlawful extortion of a debt I [ XXXX XXXX XXXX ] did not owe , XXXX XXXX advised in words to the effect " to just ignor said EXHIBIT 1. demand letter. '' XXXX XXXX categorically denied Complainant 's request for Department of Education-Maximus/Aidvantage to provide a letter stating that XXXX XXXX XXXX did not owe said demanded payment ( EXHIBIT 1. ) of cancelled 13-year-old-XXXX-balance loan.
COMPLAINANT RESPECTFULLY ASSERTS THAT DEPARTMENT OF EDUCATION-MAXIMUS/AIDVANTAGE ACTIONS DESCRIBED HEREIN ARE UNQUESTIONABLY UNLAWFUL AND MUST IMMEDIATELY BE EXPRESSLY RESCINDED PER HEREIN " REMEDY '' REQUESTED : A. EXTORTION LEGAL ELEMENTS ARE HEREBY RESPECTFULLY ASSERTED MET BY DEPARTMENT OF EDUCATION-MAXIMUS/AIDVANTAGE REPAYMENT DEMAND OF `` CANCELLED/XXXX AMOUNT REMAINING '' STUDENT LOAN ( EXHIBIT 1. ) : Department of Education-Maximus/Aidvantage acts herein described meet all the elements of extortion under color of law ( 18 U.S.C.872 ), per se attempted extortion : The offense committed by a public official [ here, Maximus/Aidvantage, federal student loan servicer ( s ) acting for Department of Education ] who illegally demand property [ here, complainant 's repayment of cancelledXXXX balance federal student loan ] under color of office [ here, Department of Education, EXHIBIT 1. page 3 ] esp . an official 's collection of an unlawful fee [ here, student loan repayment of " cancelled, '' " zero balance federal student loan '' ] ( Black 's Law Dictionary 623 ( 8th ed. 2004 ) ). Department of Justice notes that re 18 U.S.C. 242. Deprivation of [ Civil ] Rights Under Color of Law : acts under " color of law '' include acts not only done by federal, state, or local officials within their lawful authority, but also acts done beyond the bounds of that official 's lawful authority, if the acts are done while the official is purporting to or pretending to act in the performance of his/her official duties. [ emphasis added ] https : //www.justice.gov/crt/deprivation-rights-under-color-law, last viewed XXXX XX/XX/XXXX.
B. FRAUD LEGAL ELEMENTS ARE HEREBY RESPECTFULLY ASSERTED MET BY DEPARTMENT OF EDUCATION-MAXIMUS/AIDVANTAGE " CANCELLEDXXXX BALANCE '' STUDENT LOAN REPAYMENT DEMAND LETTER ( EXHIBIT 1. ) : Black 's defines the elements of fraud : " [ a ] Knowing misrepresentation of the truth or [ b ] concealment of a material fact [ c ] to induce another to act to his or her detriment. '' ( Black 's Law Dictionary 685 ( 8th ed. 2004 ) ).
Here, all the elements of knowing and willful/intentional fraud are met by Maximus/Aidvantage 's express demand for payment of a XXXX " cancelled '' ( EXHIBIT 2. NSLDS ) student loan. The NSLDS ( EXHIBIT 2. ) record of said loan has " XXXX disbursed, '' " XXXX principal, '' " XXXX interest, '' " XXXX total balance, '' " XXXX amount remaining. '' ( a ) " MISREPRESENTATION OF THE TRUTH '' : Maximus/Aidvantage 's letter clearly demands said " cancelled '' loan repayment ( EXHIBIT 1. page 1 ) : " Ways you can pay '', " Account #, '' '' Date XX/XX/XXXX, '' " Manage your account online, '' etc.
( b ) " OR, CONCEALMENT OF A MATERIAL FACT '' : ( i ) Maximus/Aidvantage knew or should have known that said cancelled loan had " XXXX disbursed, '' " XXXX principal, '' " XXXX total balance, '' " XXXX amount remaining '' ( EXHIBIT 1. page 2 bottom textbox loan summary ; and EXHIBIT 2. NSLDS loan record copy ). ( ii ) Further, Maximus/Aidvantage conspicuously omitted NSLDS " XXXX amount remaining, '' from said loan information ( EXHIBIT 1. page 2, last line textbox loan summary Maximus/Aidvantage demand letter. ) ( c ) TO INDUCE ANOTHER TO ACT TO HIS OR HER DETRIMENT : It would be ludicrous to assume that Maximus/Aidvantage would XXXX XX/XX/XXXX reopen XXXX '' cancelled '' -loan repayment-account 13 years later for Complainant ( EXHIBIT 1. ) absent Maximus/Aidvantage 's expectation of obtaining Complainant 's repayment by invoking Department of Education `` color of law, '' extortion, thereby, Department of Education Maximus/Aidvantage 's per se fraud.
C. MAIL FRAUD : 18 U.S.C. 1341. FRAUDS AND SWINDLES. HEREBY RESPECTFULLY ASSERTED MET BY DEPARTMENT OF EDUCATION-MAXIMUS/AIDVANTAGE " CANCELLEDZERO BALANCE '' STUDENT LOAN REPAYMENT DEMAND LETTER ( EXHIBIT 1. ) Maximus/Aidvantage 's said extortionate demand letter ( EXHIBIT 1., undated, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX postmarked XXXX XX/XX/XXXX, received XXXX XX/XX/XXXX ) is asserted hereby to meet all the elements of mail fraud, 18 U.S.C. 1341. Frauds and Swindles. Here, EXHIBIT 1. page 3, Maximus/Aidvantage demand letter postmark shows XXXX XXXX XXXX XXXXXXXX mail from zipcode, XXXX, XXXX XXXX, sent interstate to complainant 's zipcode, XXXX XXXX delivery. Penalty for mail fraud may be a fine under this title or imprisoned not more than 20 years, or both. https : XXXX, last viewed XXXX XX/XX/XXXX.
D. WIRE FRAUD 18 U.S.C. 1343. FRAUD BY WIRE, RADIO, OR TELEVISION. IS HEREBY RESPECTFULLY ASSERTED MET BY DEPARTMENT OF EDUCATION-MAXIMUS/AIDVANTAGE " CANCELLEDXXXX BALANCE '' STUDENT LOAN REPAYMENT DEMAND BY TELEPHONE ON XXXX XX/XX/XXXX ( HEREIN, " TIMELINE '' ).
REQUESTED REMEDY : Within 20 days after Department of Education-Maximus/Aidvantage receipt of this complaint Complainant/XXXX XXXX XXXX seeks receipt of official-signature and dated letter from Department of Education-Maximus/Aidvantage expressly rescinding specific fraudulent- and extortionate demand ( EXHIBIT 1 . ) for repayment of said cancelled, XXXX total balance federal student loan.
Absent Complainant 's receipt within 20 days of Department of Education-Maximus/Aidvantage official 's signed and dated letter expressly specifically rescinding said unquestionably unlawful demand for said " cancelled, XXXX loan balance '' student loan repayment, Complainant will seek legal guidance from attorney ( s ) experienced in litigating 18 U.S.C. 1961-1968, including additional federal counts to those herein noted, plus Massachusetts statutory violations asserted including, but not limited to : Mass. Gen. Laws ch. 265, 25 ( XXXX ) Attempted Extortion ; Mass. Gen. Laws ch. 93L, 6-7 ( XXXX ) Student Loan Servicers : " A violation of a federal law or regulation shall be a violation of this chapter and the commissioner may investigate any such violation pursuant to section 7 [ Investigations and examinations ; confidentiality of records and reports ; suspension, revocation or refusal of renewal of license ; penalties for violation of chapter ] '' Further, Complainant will immediately provide copies of herein complaint to U.S. Senators ( EXHIBIT 3. Senators ' Signatories ) ; the XXXX Attorney General, XXXX XXXX XXXX ; Financial Aid Officials of XXXX XXXX XXXX XXXX XXXX XXXX ( from which law school, Complainant graduated with XXXX. ) ; and to Bar Associations of which Complainant is member.
LIST OF EXHIBITS : EXHIBIT 1. Not dated/postmarked XXXX XX/XX/XXXX letter from Department of Education-Maximus/Aidvantage demanding repayment of `` cancelled , XXXX amount remaining '' XXXX federal student loan. ( 3 pages ) EXHIBIT 2. National Student Loan Data System ( NSLDS ) record copy for said federal student loan, " cancelled, '' " XXXX total balance, '' " XXXX principal, '' " XXXX interest, '' " XXXX amount remaining, '' referenced in EXHIBIT 1. ( 2 pages ) EXHIBIT XXXX. U.S. Senate letterhead letter, dated XXXX XX/XX/XXXX, with multiple U.S. Senators signatories, sent to Chief Executive Officer and President, XXXX XXXX XXXX, Maximus Federal Services , Inc. provides referenced historic basis for U.S. Senators ' concerns re Maximus/Aidvantage large student loans servicing contract by Department of Education . ( 5 pages ) EXHIBIT 4. XXXX XXXX Paid-In-Full letter , dated XXXX XX/XX/XXXX, sent to XXXX XXXX XXXX [ herein , ComplainantXXXX XXXX XXXX ]. ( 2 pages ) EXHIBIT 5. XXXX Paid-In-Full letter, dated XXXX XX/XX/XXXX, sent to XXXX XXXX XXXX [ herein , Complainant/XXXX XXXX XXXX ]. ( 3 Pages )
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| 08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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I made a CFPB complaint against XXXX on XX/XX/XXXX ( Complaint # XXXX ) regarding ( 11 ) re-aged accounts reflecting on my consumer reports. XXXX responded to the complaint stating it would remove the ( 11 ) accounts and asked that I give the consumer reporting agencies sufficient time to update my reports. It has been ( 10 ) months and the only update that has been provided to the consumer reporting agencies is that the ( 11 ) re-aged accounts are " verified. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I contacted the US Dept of Education today ( XX/XX/XXXX ) as the ( 11 ) re-aged accounts are in their possession and a representative ( XXXX XXXX XXXX went silent '' once presented with the information about these accounts. The representative completely stopped talking and placed me on an unannounced hold until her shift ended. I held the line in complete silence with her for 5 minutes before contacting the US Dept of Education on a second phone. To which, the automated system informed me that their offices were closed for the day. I resumed my call with XXXX and we continued to sit in silence for a total of 21 minutes until shedisconnected the call. I will not elaborate on how rude and unprofessional this interaction was but I will request that you review the call with the last agent who opened my account towards the close of business on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -It is evident that the representative was unaware of the Fair Credit Reporting Act ( FCRA ) delinquent account guidelines.The guidelines state thatthe date of first delinquency ( DOFD ) is the date the consumer first becomes ( 30 ) days late and no further payments are made on the account. This date can not be changed and is ONLY established by the ORIGINAL CREDITOR who charged-off the account. If the charged-off account istransferred or purchased, the FCRA Compliance date does not change. I am attaching XXXX 's ACCOUNT COVER PAGES and ACCOUNT HISTORY for all ( 11 ) accounts serviced by the US Dept of Education. The ACCOUNT COVER PAGE indicates the Repayment Start Date, the ACCOUNT HISTORY details the account 's delinquency which led to the charge-off. No payments were ever made to the ( 11 ) accounts based on the ACCOUNT HISTORY therefore, the DOFD happened ( 30 ) days after my Repayment Start Date of XX/XX/XXXX. I am also attaching XXXX 's response to Complaint # XXXX which states these ( 11 ) re-aged accounts should be deleted. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I would like to note that XXXX informed me that the US Dept of Education does not have my full Account History from XXXX. She stated that my Account History began the date the account was referred to the Dept of Education ( in XXXX ). If this information is correct, you are doing a grave disservice to all borrowers and compounding the financial crisis for millions of people. I am grateful to have access of my ACCOUNT HISTORY for my own evidence in situations such as these. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -The re-aged loan details are listed below andattached to this communication. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- US Dept of Education , Acct # XXXX - Original Balance $ XXXX XXXX Loan Details document, my original principal balance was {$2800.00}, requested on XX/XX/XXXX yet {$4000.00} was dispersed according to XXXX Account History document XXXX I never received the extra $ XXXX inquired with XXXX as to why the additional funding occurred, they told me to ask the school. I reached out to XXXX XXXX as to where the extra {$1100.00} was disbursed and I was informed that the school returned the funds to XXXX. They were returned to XXXX yet XXXX documents show that I received the funds. I have attached my XXXX XXXXr and an email from XXXX XXXX which shows/states that a total of {$1100.00} returned to XXXX. {$2.00} isn't accounted for.This seems to be a billing error between XXXX and XXXX, billing errors are not the consumers responsibility and this is reporting in error on my consumer report.Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- US Dept of Education , Acct # XXXX - Original Balance $ XXXX Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -US Dept of Education XXXX Acct # XXXX - Original Balance $ XXXX Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -US Dept of Education , Acct # XXXX - Original Balance $ XXXXAccount Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- US Dept of Education , Acct # XXXX - Original Balance $ XXXXAccount Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -US Dept of Education , Acct # XXXX - Original Balance $ XXXXAccount Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- US Dept of Education , Acct # XXXX - Original Balance $ XXXXAccount Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -US Dept of Education XXXX Acct # XXXX - Original Balance $ XXXXAccount Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- US Dept of Education , Acct # XXXX - Original Balance $ XXXXAccount Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -US Dept of Education XXXX Acct # XXXX - Original Balance {$280.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -US Dept of Education XXXX Acct # XXXX - Original Balance XXXX XXXXAccount Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX.
|
| 04/01/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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|
Web |
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Please Help! .... " Suspicious Student Loan Activity '' with Aidvantage Company ( formerly known as Navient ) ....
Good Evening, I just got off of a phone call ( XX/XX/2022 ) with Aidvantage ( formerly known as Navient : the student loan company that's been in news headlines and attached to lawsuits ).
There is " suspicious activity '' going on which made me uncomfortable on a phone call I had this morning with Aidvantage that took 1 hour for them to process my payment for my student loan. I was given false information as to why my payment was not being processed correctly.
Since XX/XX/XXXX, I have made 3 consistent payments of {$500.00} ( specifically toward my lowest student loan balance which I have set up on their website in my " Payment Directions ''. Any overpayment of mine is supposed to go to the lowest student loan balance every time as it has been for the past 2 months which is also known as the principle ) to Aidvantage on the following dates : XX/XX/2022 {$500.00} XX/XX/2022 {$500.00} XX/XX/2022 {$570.00} I have 2 consolidated loans. The lowest loan right now is at {$2900.00}. The highest loan right now is at about {$7000.00}. Normally when I go on the website and pay my loan of {$500.00} or above, that full amount goes only to the lowest loan, leaving the second loan at {$0.00}.
This morning when I went to run the same process I've been running for the past 3 payments, it now split up my loan to {$400.00} and some change on the lower loan and 70 some dollars and some change on the higher loan. I called in and asked why is this doing it this way all of a sudden after trying multiple attempts at directing the full amount towards the lowest student loan. The representative named XXXX told me she did not know why it was doing this because she also tried it on her end as well. She then reached out to her supervisor XXXX who told her it shouldn't be doing that and that XXXX & I should try it again and put in the exact amount which we had already done multiple times and also after XXXX instructed us to. Still nothing was happening and then out of nowhere XXXX tells her it's only doing it because the person owes {$3.00} interest. If he makes a payment of {$3.00} interest, it will stop doing it.
I told her that that is 'confusing ' and it 'makes no sense ' at all because I was never notified through email or any other medium of me owing {$3.00} on any interest which would affect my payment or even as an update so that I am aware of the {$3.00} interest.
So, just to see if the information was valid, I entered the amount of {$500.00} ( which would include this so-called interest that she is mentioning out of nowhere that I was never notified about ) on my lowest student loan on the website to see if that made any change. It did not. That let me know she was trying to blow me off, get me off the phone and lie to me. I expressed to XXXX that I feel like XXXX is trying to give me any type of false information to get me off of the phone so she can go on with her day which makes me uncomfortable and shows me that some suspicious activity is taking place. I insisted that I want an answer to why this is taking place because it makes me feel uncomfortable with what's happening with my money. I told her that the story is not adding up and I would like to now speak with the supervisor.
Once I said that, she told me that XXXX is now speaking with a person named XXXX who is looking into the problem. While this conversation is taking place, time is being dragged out and I have now been on the phone with these three other individuals for an hour trying to process a simple {$500.00} payment to my lowest student loan balance. I now am told that XXXX says that the website was changed to reflect that from now on when a payment is made they're going to split the amount among multiple loans that a person has with Aidvantage. I said that I was not notified of this and I asked XXXX to explain to me how it was changed and her response was " an overpayment deals with XXXX student loan not XXXX student loans '', and then she proceeded to try to give me an illustration of having a loan for a few hundred dollars and if I had more than those a few hundred dollars that amount would go to that loan. I interrupted her and expressed to her that that information does not add up and I specifically read the payment directions as well as the option underpayment directions that I selected, which the website gives me as an option and that it explains that an overpayment is dealing with multiple loans, not 1 single loan. She responded with a simple yes and continue to explain that she would go ahead and document this in my file. The reasoning she tried to give me with that illustration made no sense and didn't line up with the websites payment directions and she could now see that I wasn't going for the story she was trying to give me.
I expressed to XXXX who was communicating with these two women that none of this was reflected in any email. I was not notified through paper mail or email of such changes made on the website ( any type of updated information that I'm supposed to get I have received either from Navient in the past or Aidvantage but all of a sudden I didn't receive anything of this new information they were trying to feed me ) and it sounds like they were making information up as the call kept going. XXXX was explaining to me that she was confused and dumbfounded by the information they were giving her because she can see in the system that my payments have been consistent and there has been no issue until today, XX/XX/2022. She said the same thing I said which was " What changed from XX/XX/XXXX until today that I can not make and process the payment the way I've been processing it? '' She told me that it does not make sense to her.
She kept waiting for responses on their end and as time kept dragging out finally XXXX tells XXXX to have me send the payment in and even though the website reflects that it will be split up, XXXX is instructed to send an email to the corporate office stating that even though the payment is being split up, the 70 some dollars that was sent to the higher student loan needs to be transferred back to the lower student loan this 1 time. After today, it will no longer take overpayment amounts and have them specifically sent/designated to the 1 lowest student loan balance. I told her that this is EXTREMELY ODD and SUSPICIOUS because why would the website require us to set up our " overpayment '' and where it is supposed to go in " Payment Directions '' if they are going to completely disregard it and split up the payments anyway. She said she has no idea.
I then said, " XXXX, this is not your fault so please don't take any offense to what I'm about to ask you and what I am expressing on this phone call but from the information your supervisors are giving me, can you understand how this makes me 'cautious ' and 'uncomfortable ' from the information I've been given because in the beginning they did not want to receive my full payment to the lowest student loan balance because XXXX decided to tell me it's because I owe {$3.00} on interest and once that interest is paid, it will go back to my regular routine of paying the student loan 's lowest balance, but then all of a sudden XXXX decides to give me a different narrative stating that the website has changed and we can no longer designate our overpayment towards the lowest student loan balance and that it has to be split up from this point on??? Furthermore, this doesn't make any sense to me because if XXXX is going to say that, why does the website require us to fill out the option under " Payment Directions '' reflecting where we would want our " overpayment '' to go in which it states it will go to the lowest student loan balance. XXXX, can you understand how this would make me 'suspicious ' about what your company is doing and 'cautious ' and 'uncomfortable ' about what they're telling me if you were in my position? '' She replied, " I can understand that. '' She told me that she would document this conversation in her system as well as send the email off to the corporate office so that my amount was paid in full only to the lowest student loan balance. She said that once this process has taken place, my payments would have to be split up from this point on.
With all of the corruption taking place with these student loan companies and different lawsuits and suspicious activity taking place, I don't trust the way they handled my call and the way they are handling my account.
Can you please help me with this and are you able to look into any suspicious activity that may have been involved with my case? ... because I was lied to and given a false narrative with false information concerning my account and what was going on with my payment. I'm doing all that I can to be responsible with my student loan and rid myself of this debt. I don't want to be abused and robbed of any money by Aidvantage in the process.
P.S. I also forgot to mention that in response to me having this issue and asking her why are they splitting up my payments XXXX at one point told me that she could put my account on forbearance. In which I replied " What does that have to do with anything I'm talking about and why are you recommending that? '' She replied " Yeah, I don't know let me see what my boss is sending me .... '' and completely change the subject out of nowhere which was extremely odd.
Thank you for your time and your service.
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| 08/23/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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|
Web |
|
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My student loans were transferred from XXXX XXXX ( XXXX ) to AidVantage in XXXX of last year. The transfer of information took much longer than they initially indicated it would. Once my information finally transferred over my balance was incorrect as was the number of payments that I had left and the amount of said payments.
I'm on a graduated repayment plan so I make 24 payments at a certain amount and then they increase by ~20 % every 2 years. I elected out of the COVID forbearance option with my old servicer ( XXXX XXXX ) when it initially went into place and continued making payments for a year into the COVID forbearance period. So, I made 13 payments between XX/XX/XXXX and XX/XX/XXXX before I elected back into the COVID forbearance. My loans graduate to the next payment amount every two years on XX/XX/XXXX of said year. So on XX/XX/XXXX I completed the remaining payments in step 3 of my repayment plan ( total payment amount was {$300.00} at that step of the repayment plan ) and on XX/XX/XXXX I " graduated '' to the next payment amount ( " step 4 '' ) and my monthly payments increased to {$390.00} as per my repayment plan. I made 5 payments at the {$390.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) before I called XXXX XXXX to elect back in to the COVID payment pause.
I got a notice on XX/XX/XXXX from XXXX XXXX that my loans would be transferred to Navient on or around XX/XX/XXXX. This notice indicated my the current balance of my loans being transferred as of the date of the letter was {$15000.00}, which included a total principal balance for all of my loans of {$15000.00} and an outstanding accrued interest balance of {$0.00}. These balances matched the last Monthly Direct Debit Bill that I had received from XXXX XXXX on XX/XX/XXXX.
On XX/XX/XXXX I got a letter that my loans had been transferred to Navient but that they were being reassigned to Adivantage. So, Navient was just briefly holding my loans. The notices I got from Navient on XX/XX/XXXX, detailed out the disbursement date, original principal, unpaid principal, interest rate ( showing 0 % on all of my loans due to the COVID relief measure that were still in place ), and loan program of each of my 8 student loans. The total balance of my loans were correct and matched the information I had from XXXX XXXX. In addition to the welcome letters I received from Navient on XX/XX/XXXX, I also received another letter with the same date ( XX/XX/XXXX ) to notify me that I had successfully confirmed my Auto Pay enrollment, even though I had done nothing to initiate that and had never confirmed said Auto Pay. I had used AutoPay with XXXX XXXX, but I hadn't done anything to confirm that autopay with Navient. This letter also detailed out disbursement date, original principal, unpaid principal, interest rate and loan program of each of my 8 student loans. However, on this autopay confirmation letter it only listed the interest rate of 1 out of the 8 loans at 0.000 %. The other 7 loans stated interest rates between 3.400 % and 6.800 %. I questioned why those 7 loans weren't listed at XXXX and called Navient and they said it was essentially just a clerical error and that all of my loans ' interest rates were in fact at 0.000 % due to the payment pause.
On XX/XX/XXXX, I received a welcome letter from Aidvantage stating my loans had been moved over to Aidvantage. In this letter my total balance was no longer correct as they were showing I had a small unpaid interest amount on all 8 of my student loans. Therefore, my total outstanding balance was now {$4.00} higher than it was when my loans left XXXX XXXX. After MANY calls to Aidvantage in XX/XX/XXXX and XXXX they finally got the accrued interest balance corrected to {$0.00} on each loan and my total balance for my loans was correct. However, my online account had now been updated with information regarding the number of payments I had remaining and the amount of said payments and this information was incorrect.
Aidvantage ishows that I have 9 payments remaining at {$300.00} and 24 payments at the {$390.00} amount, even though I completed the 24 payments of the {$300.00} amount on XX/XX/XXXX and subsequently graduated to the {$390.00} payment amount for my payment due on XX/XX/XXXX and made 5 payments at that {$390.00} amount between XX/XX/XXXX and XX/XX/XXXX.
I continued contacting them on a regular basis throughout XXXX as I was concerned that my payment amount would be wrong when the pause was set to end in XX/XX/XXXX. They continued to say that all of my information still hadn't transferred over yet so they were unable to see it in their system and they couldn't see any of the history on any of my loans but that by XX/XX/XXXX they should have everything transferred over.
The payment freeze was once again extended, and while they assured me they were looking into the problem they didn't seem very concerned and seemed to think that it would correct itself once my account history finally transferred over. After XX/XX/XXXX came and went I contacted them once again and they told me they were contacting IT to look into it. I was now told that the information should transfer over by XXXX. And that they would keep an eye on it and follow up with me once they heard more from IT. XXXX came and went and they still hadn't contacted me and the number of payments remaining and the amount of those payments was still incorrect in my online account, so I followed up with them once again. Customer service still didn't have any answers about the discrepancies with my payments.
During all of these phone calls they continued to reassure me that it would be fixed and all of my information ( i.e. payment history etc. ) would start showing up in my account before the payment pause ended as we now had many months before that happened. So, I left it alone for a few months.
2 weeks ago I decided to log in to see if my payment history had finally be transferred over and if it was showing up in my online account since we are getting close to the current payment pause expiring, and I found that after 8 months of my loans being with Aidvantage and at least 10 phone calls to their customer service, probably more, the number of payments I have remaining and the amount of said payments is still incorrect even though my balance was corrected back in XXXX.
So, once again I called their customer service and explained my situation and that the payments Aidvantage shows that I have remaining and the amount of said payments is incorrect. She tried to look into it and told me that she didn't have access to my payment history and was unsure why all of my account information still hadn't transferred over after my loans had been with Aidvantage for 8 months. She then asked if I had proof of said payments through bank statements and if I did to upload the proof of those payments through their online document portal.
So I downloaded 29 months worth of bank statements, redacted them only to show my student loan payments, and attempted to upload them to their portal. However, there online document upload feature will not allow me to upload the file. I have attempted to upload it on 2 different computers multiple times over the last week and I continue to get an error message that states, " We apologize that our system is experiencing issues in processing your request. You may try again now or click the Cancel button below to continue without uploading documents at this time. Thank you for your patience as we research this issue. '' So even though I've attempted to be proactive about this, by notifying them of the issue immediately after my loans transferred and continuing to follow up with them after they've failed to follow up with me like they've stated they would on our calls, we are now a little over a week from the payment pause ending and I am once again going to have to call customer service and go round and round on the issue of the number of payments I have remaining and the amount of said payments being incorrect.
Furthermore, I think it's important to note. I did not just continue to make payments with XXXX XXXX during the pause while my loans were classified as in forbearance. When the payment pause was announced XXXX XXXX automatically put all of our loans into forbearance and sent out letters stating that we'd need to call and elect out of it. I specifically called them and elected out of the forbearance and then continued to make 13 months of payments before then calling them to elect back in to the forbearance after my XX/XX/XXXX payment was made. My loans were actively in repayment while I was making the payments. They even increased automatically to the {$390.00} payment amount for my payment due on XX/XX/XXXX like they were supposed to. So this is not an issue of me making payments even though my loans were classified as in forbearance.
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| 05/28/2022 |
Yes |
- Debt collection
- Private student loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX XXXX XXXX XXXX
Search XXXX Multi-State Settlement Home Address and XXXX XXXX XXXX XXXX Multi-State Settlement Thank you for visiting the XXXX Multi-State Settlement informational website. This message was last updated on XX/XX/XXXX. Borrowers do not need to take any action to receive relief under this settlement. On XX/XX/XXXX, the settlement administrator sent a postcard to each federal loan borrower eligible for a restitution payment, using the most current address on file with the U.S. Department of Education.
Update as of XX/XX/XXXX - Postcard notices were sent to eligible borrowers on XX/XX/XXXX. You may update your address and/or select a payment option by selecting the tab " Address and Payment Verification '' In order to submit a change, you will need the Web Registration Code listed on the front of the postcard you received.
39 State Attorneys General Announce {$1.00} XXXX Settlement with Student Loan Servicer Navient Settlement includes {$1.00} XXXX in debt cancellation and {$95.00} XXXX in restitution Thursday, XX/XX/XXXX XXXX state Attorneys General announced today that XXXX, known as one of the nations largest student loan servicers, will provide relief totaling {$1.00} XXXX to resolve allegations of widespread unfair and deceptive student loan servicing practices and abuses in originating predatory student loans.
This settlement resolves claims that since XXXX, despite representing that it would help borrowers find the best repayment options for them, XXXX steered struggling student loan borrowers into costly long-term forbearances instead of counseling them about the benefits of more affordable income-driven repayment plans.
According to the attorneys general, the interest that accrued because of XXXX forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. Had the company instead provided borrowers with the help it promised, income-driven repayment plans could have potentially reduced payments to as low as {$0.00} per month, provided interest subsidies, and/or helped attain forgiveness of any remaining balance after 20-25 years of qualifying payments ( or 10 years for borrowers qualified under the Public Service Loan Forgiveness Program ) .
XXXX also allegedly originated predatory subprime private loans to students attending for-profit schools and colleges with low graduation rates, even though it knew that a very high percentage of such borrowers would be unable to repay the loans. XXXX allegedly made these risky subprime loans as an inducement to get schools to use XXXX as a preferred lender for highly-profitable federal and prime private loans, without regard for borrowers and their families, many of whom were unknowingly ensnared in debts they could never repay.
Under the terms of the settlement, XXXX will cancel the remaining balance on {$1.00} XXXX in subprime private student loan balances owed by more than XXXX borrowers nationwide. In addition, XXXX will pay {$140.00} XXXX to the attorneys general. A total of {$95.00} XXXX in restitution payments of about {$260.00} each will be distributed to approximately XXXX federal loan borrowers who were placed in certain types of long-term forbearances. Borrowers who will receive restitution or debt cancellation span all generations : XXXX harmful conduct impacted everyone from students who enrolled in colleges and universities immediately after high school to mid-career students who dropped out after enrolling in a for-profit school in the early to XXXX.
The settlement includes conduct reforms that require XXXX to explain the benefits of income-driven repayment plans and to offer to estimate income-driven payment amounts before placing borrowers into optional forbearances. Additionally, XXXX must train specialists who will advise distressed borrowers concerning alternative repayment options and counsel public service workers concerning Public Service Loan Forgiveness ( PSLF ) and related programs. The conduct reforms imposed by the settlement include prohibitions on compensating customer service agents in a manner that incentivizes them to minimize time spent counseling borrowers.
The settlement also requires Navient to notify borrowers about the U.S. Department of Educations recently announced PSLF limited waiver opportunity, which temporarily offers millions of qualifying public service workers the chance to have previously nonqualifying repayment periods counted toward loan forgivenessprovided that they consolidate into the Direct Loan Program and file employment certifications by XX/XX/XXXX.
As a result of todays settlement, borrowers receiving private loan debt cancellation will receive a notice from XXXX by XX/XX/XXXX, along with refunds of any payments made on the cancelled private loans after XX/XX/XXXX. Federal loan borrowers who are eligible for a restitution payment of approximately {$260.00} will receive a postcard in the mail from the settlement administrator later this spring.
Federal loan borrowers who qualify for relief under this settlement do not need to take any action except update or create their studentaid.gov account to ensure that the U.S. Department of Education has their current address.
Until recently, XXXX had a contract to service federal student loans owned by the U.S. Department of Education, including a large portfolio of loans made under the Direct Loan Program and a smaller portfolio of loans made under the Federal Family Education Loan ( FFEL ) program. On XX/XX/XXXX, the U.S. Department of Education announced the transfer of this contract from XXXX to Aidvantage, a division of Maximus Federal Services , Inc. However, XXXX will continue to service federal student loans made under the XXXX XXXX that are owned by private lenders, as well as non-federal private student loans.
The settlement was led by Pennsylvania, Washington, Illinois, Massachusetts, and California, and was joined by attorneys general in Arizona, Arkansas, Colorado, Connecticut, the District of Columbia, Delaware, Florida, Georgia, Hawaii, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Rhode Island, South Carolina, Tennessee, Vermont, Virginia, West Virginia, Vermont, and Wisconsin.
XXXX. What is XXXX?
XXXX. What is this settlement about?
XXXX. What relief does the settlement provide?
XXXX Who is eligible for restitution relating to federal loan forbearance steering?
XXXX. My federal loan is being transferred to Aidvantage. Does this mean I'm not eligible for restitution relating to federal loan forbearance steering?
XXXX Who is eligible for private loan debt cancellation?
XXXX. Do I need to do anything to qualify for settlement relief?
XXXX. What types of conduct reforms is XXXX required to make?
XXXX. Where can I go for updates or new information about the settlement?
XXXX. How can I identify my student loan servicer?
XXXX. I am having problems with XXXX or another student loan servicer. Where can I get help or file a complaint?
XXXX. Can I still sue XXXX if I get relief under this settlement?
XXXX. Can my state Attorney Generals Office give me advice about whether I have a legal claim against my loan servicer?
XXXX. Ive heard of Public Service Loan Forgiveness ( PSLF ). How can I find out if I qualify?
XXXX. I cant afford my student loan payments. What resources are available?
XXXX. My school misled me or engaged in other misconduct. How do I apply for cancellation of my associated federal loans?
XXXX. My federal loan is being transferred from XXXX to Aidvantage. How do I reach Aidvantage or log in to my new account?
XXXX. What steps do I need to take to prepare for my federal loan payments to resume?
Download XXXX XXXX XXXX XXXX is free and is required to view and print documents on this site.
This site is hosted and maintained by the settlement administrator.
Last Updated : XX/XX/XXXX Copyright XXXX by XXXX XXXX XXXX
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| 11/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Incorrect information on your report
- Account information incorrect
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Web |
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The Department of Education/OSLA continues to report a debt not owed. Under the UCC any simple contract when presented with legal tender must be XXXX outed or there is room for discharge. The Department of Education never loaned me anything therefore there was nothing of value exchanged. If there is evidence to prove that this allege debt is actually owed provide me with the book entry that proves it was a debit and not a credit upon the books of the BANK. Please note I am NOT asking for the simple contract that I signed obligating me to perform but the accounting ledger from the bank that proves this debt is actually valid and due.
3-601. DISCHARGE AND EFFECT OF DISCHARGE.
Primary tabs ( a ) The obligation of a party to pay the instrument is discharged as stated in this Article or by an act or agreement with the party which would discharge an obligation to pay money under a simple contract.
( b ) Discharge of the obligation of a party is not effective against a person acquiring rights of a holder in due course of the instrument without notice of the discharge.
3-602. PAYMENT.
( a ) Subject to subsection ( b ), an instrument is paid to the extent payment is made ( i ) by or on behalf of a party obliged to pay the instrument, and ( ii ) to a person entitled to enforce the instrument. To the extent of the payment, the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under Section 3-306 by another person.
( b ) Subject to subsection ( e ) a note is paid to the extent payment is made by or on behalf of a party obliged to pay the note to a person that formerly was entitled to enforce the note only if at the time of the payment the party obliged to pay has not received adequate notification that the note has been transferred and that payment is to be made to the transferee. A notification is adequate only if it is signed by the transferor or the transferee ; reasonably identifies the transferred note ; and provides an address at which payments subsequently can be made. Upon request, a transferee shall seasonably furnish reasonable proof that the note has been transferred. Unless the transferee complies with the request, a payment to the person that formerly was entitled to enforce the note is effective for purposes of subsection ( c ) even if the party obliged to pay the note has received a notification under this paragraph.
( c ) Subject to subsection ( e ), to the extent of a payment under subsections ( a ) and ( b ), the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under Section 3-306 by another person.
( d ) Subject to subsection ( e ), a transferee, or any party that has acquired rights in the instrument directly or indirectly from a transferee, including any such party that has rights as a holder in due course, is deemed to have notice of any payment that is made under subsection ( b ) after the date that the note is transferred to the transferee but before the party obliged to pay the note receives adequate notification of the transfer.
( e ) The obligation of a party to pay the instrument is not discharged under subsections ( a ) through ( d ) if : ( 1 ) a claim to the instrument under Section 3-306 is enforceable against the party receiving payment and ( i ) payment is made with knowledge by the payor that payment is prohibited by injunction or similar process of a court of competent jurisdiction, or ( ii ) in the case of an instrument other than a cashier 's check, teller 's check, or certified check, the party making payment accepted, from the person having a claim to the instrument, indemnity against loss resulting from refusal to pay the person entitled to enforce the instrument; or ( 2 ) the person making payment knows that the instrument is a stolen instrument and pays a person it knows is in wrongful possession of the instrument.
( f ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record.
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION.
( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record.
( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement.
( c ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record.
8-501. SECURITIES ACCOUNT ; ACQUISITION OF SECURITY ENTITLEMENT FROM SECURITIES INTERMEDIARY.
( a ) " Securities account '' means an account to which a financial asset is or may be credited in accordance with an agreement under which the person maintaining the account undertakes to treat the person for whom the account is maintained as entitled to exercise the rights that comprise the financial asset.
( b ) Except as otherwise provided in subsections ( d ) and ( e ), a person acquires a security entitlement if a securities intermediary : ( 1 ) indicates by book entry that a financial asset has been credited to the person 's securities account ; ( 2 ) receives a financial asset from the person or acquires a financial asset for the person and, in either case, accepts it for credit to the person 's securities account ; or ( 3 ) becomes obligated under other law, regulation, or rule to credit a financial asset to the person 's securities account.
( c ) If a condition of subsection ( b ) has been met, a person has a security entitlement even though the securities intermediary does not itself hold the financial asset.
( d ) If a securities intermediary holds a financial asset for another person, and the financial asset is registered in the name of, payable to the order of, or specially indorsed to the other person, and has not been indorsed to the securities intermediary or in blank, the other person is treated as holding the financial asset directly rather than as having a security entitlement with respect to the financial asset.
( e ) Issuance of a security is not establishment of a security entitlement.
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| 11/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Aidvantage can not prove that I am responsible for the loans in question, and are unable to provide proof of payments. I believe the alleged debt is fraudulent and have attempted to resolve this with Aidvantage numerous times to no avail.
On Monday XX/XX/XXXX I was notified about a letter from Aidvantage, which stated that {$32000.00} was owed for XXXX different student loans, from 2 different universities.
This letter was dated for XX/XX/XXXX.
I created an online account with Aidvantage.com on XX/XX/XXXX to obtain information on the loans in question, since I was unaware of any claims of unpaid loans.
After I made an online account I searched for a way to obtain the promissory note/original loan agreement, and the payment history/transaction history on all loans, but could not find the information I was looking for in the online account.
I then called Aidvantage at XXXX to verify the authenticity of the letter I was notified about on XX/XX/XXXX, update my contact information ( email & residential address ), and confirm payment history/transaction history on the loans in question.
I was connected to a male representative who verified that Aidvantage was a legitimate loan service provider for the Department of Education, and informed me that my contact information was successfully updated, and my payment history/transaction history would be sent to my email in " about XXXX hour ''.
Over XXXX hours had passed and I did not receive my payment history/transaction history via email, so I called Aidvantage back XXXX XXXX to verify that my contact information ( email & residential address ) were updated, re-request my payment history/transaction history on all loans, and make an additional request to receive the promissory note/original loan agreement, as well as all correspondence Aidvantage claims to have had with me XXXX notify me of this alleged debt, and all correspondence Aidvantage has had with the previous loan service provider XXXX about the loans in question.
I was on hold for approximately XXXX hour before I was connected to a female representative ( XXXX XXXX ), who informed me that my contact information was up to date, and that I would receive my payment history/transaction history via email in approximately XXXX hour, and all requested documents ( including my payment history/transaction history ) at my residential address via mail in approximately " XXXX business days, by XX/XX/XXXX ''.
On XX/XX/XXXX I received an email from Aidvantage stated that my requested documents were available in the inbox of my online account.
I logged into my inbox to find that the payment history/transaction history document they sent me did not include my payment history at all.
This document only included the amount of the loans ( XXXX ), and the principal balance of the XXXX of the loans.
No other information was included and the remainder of the document was empty.
Due to the payment history/transaction history document being empty I gave Aidvantage another call on XX/XX/XXXX at XXXX but was disconnected from the call after being on hold for approximately XXXX minutes without ever speaking to a representative.
I called Aidvantage back at XXXX, and I was on hold for approximately XXXX minutes before being transferred to a customer service XXXX. I ended the call due to not being connected to a representative.
I called Aidvantage back at XXXX and the call was disconnected after being on hold for approximately XXXX minutes.
On XX/XX/XXXX I called Aidvantage at XXXX, was kept on hold for approximately XXXX minutes, then transferred to a female representative who stated that she would give me her first and name at the end of the call.
I verified the alleged amount of all loans ( {$56000.00} ), alleged amount paid ( {$49.00}, XXXX ), and current amount being charged ( {$33000.00} ), and requested that this information be sent to my email and residential address.
I informed the representative that my amount owed should be XXXX, based on the numbers provided ( XXXX - XXXX ).
She paused and stated " yeah the numbers don't seem to be adding up ''.
After this statement was said I heard clicking, and was then transferred to an automatic message that stated " the number you have dialed is out of service and unavailable ''.
The call then disconnected.
I called Aidvantage back at XXXX, was kept on hold for approximately XXXX minutes, and was then transferred to a female representative who also stated that they would share their name at the end of the call.
I re-requested all the information previously requested ( alleged amount of loans, alleged amount owed, payment history/transaction history, promissory note/original loan agreement, all correspondence with me via email and mail, and all correspondence with previous loan service provider ).
I was informed that information could only be sent to me " XXXX way '' and that I would have to choose between email or mail.
I requested that the information be sent both ways, and stated that I would like this updated on my account.
I was then put on hold, and the phone call was then disconnected.
I then sent a letter to Aidvantage via certified mail on XX/XX/XXXX where I requested my information.
I waited to see if I received anything in the mail by XX/XX/XXXX as I was originally told I would, and when I did receive any correspondence from Aidvantage, I sent an additional letter via certified mail on XX/XX/XXXX re-requesting my information.
No resolution has been achieved, and I submitted a complaint to XXXX XXXX XXXX on XX/XX/XXXX.
Aidvantage sent a letter to my home which was received on XX/XX/XXXX, where they provided a letter dated for XX/XX/XXXX sent to an inaccurate address, which stated that the loans in question were now being serviced by them.
Aidvantage also sent a document which verified the alleged amount owed ( {$56000.00} ), and the alleged amount paid ( {$49000.00} - {$31000.00} applied to principal ; {$18000.00} amount applied to interest ).
Lastly several documents were included titled " attached is the payment history of your XXXX most recent transactions '', and the document only verified the number of loans ( XXXX ), principal balance ( {$32000.00} ), accrued in interest ( {$280.00} ), and total balance ( {$33000.00} ), and XXXX Dates & Amounts ( XX/XX/XXXX - {$7500.00} ) ; ( XX/XX/XXXX - {$7500.00} ) ; ( XX/XX/XXXX - {$20000.00} ) ; ( XX/XX/XXXX - {$20000.00} ).
No payment history/transaction history was verified, no correspondence between Aidvantage and XXXX about the loans in question was provided, and the promissory note/original loan agreement was not provided.
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| 01/27/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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I am having a problem with this student loan company, Aidvantage. All my student loans were consolidated and transferred to XXXX back in XXXX. XX/XX/XXXX Aidvantage says they issued a refund to someone but can not tell me who. Now they say I owe them XXXX. Here is the account activity. I do not owe this company anything. Like I said, all my student loans were transferred and consolidated with XXXX back in XXXX. This company can not just come along and say I owe them. Please help resolve this. I have tried to resolvec this with Aidvantage and the representative is never able to help me. I am on hold again with them right now waiting on a manager for the last XXXX minutes.
XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Refund {$40.00} {$0.00} {$0.00} {$40.00} XX/XX/XXXX Write-Up {$1.00} {$0.00} {$0.00} {$1.00} XX/XX/XXXX Write-Up {$10.00} {$0.00} {$0.00} {$10.00} XX/XX/XXXX Write-Up {$21.00} {$0.00} {$0.00} {$21.00} XX/XX/XXXX Payment - {$17000.00} - {$1200.00} {$0.00} - {$19000.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Payment - {$91.00} - {$85.00} {$0.00} - {$170.00} XX/XX/XXXX Payment - {$77.00} - {$99.00} {$0.00} - {$170.00} XX/XX/XXXX Payment - {$90.00} - {$86.00} {$0.00} - {$170.00} XX/XX/XXXX Payment - {$72.00} - {$100.00} {$0.00} - {$170.00} XX/XX/XXXX Payment - {$81.00} - {$93.00} {$0.00} - {$170.00} XX/XX/XXXX Capitalized Interest {$730.00} - {$730.00} {$0.00} {$0.00} XX/XX/XXXX Payment - {$44.00} - {$31.00} {$0.00} - {$75.00} XX/XX/XXXX Payment - {$57.00} - {$30.00} {$0.00} - {$88.00} XX/XX/XXXX Payment - {$58.00} - {$29.00} {$0.00} - {$88.00} XX/XX/XXXX Payment - {$67.00} - {$22.00} {$0.00} - {$90.00} XX/XX/XXXX Payment - {$62.00} - {$27.00} {$0.00} - {$90.00} XX/XX/XXXX Payment - {$58.00} - {$28.00} {$0.00} - {$86.00} XX/XX/XXXX Payment - {$64.00} - {$22.00} {$0.00} - {$86.00} XX/XX/XXXX Capitalized Interest {$220.00} - {$220.00} {$0.00} {$0.00} XX/XX/XXXX Adjustment {$50.00} {$0.00} {$0.00} {$50.00} XX/XX/XXXX Adjustment - {$50.00} {$0.00} {$0.00} - {$50.00} XX/XX/XXXX Disbursement {$500.00} {$0.00} {$0.00} {$500.00} XX/XX/XXXX Adjustment {$100.00} {$0.00} {$0.00} {$100.00} XX/XX/XXXX Adjustment - {$100.00} {$0.00} {$0.00} - {$100.00} XX/XX/XXXX Disbursement {$1000.00} {$0.00} {$0.00} {$1000.00} XX/XX/XXXX Adjustment {$34.00} {$0.00} {$0.00} {$34.00} XX/XX/XXXX Adjustment - {$34.00} {$0.00} {$0.00} - {$34.00} XX/XX/XXXX Disbursement {$340.00} {$0.00} {$0.00} {$340.00} XX/XX/XXXX Adjustment {$68.00} {$0.00} {$0.00} {$68.00} XX/XX/XXXX Adjustment - {$68.00} {$0.00} {$0.00} - {$68.00} XX/XX/XXXX Disbursement {$680.00} {$0.00} {$0.00} {$680.00} XX/XX/XXXX Adjustment {$320.00} {$0.00} {$0.00} {$320.00} XX/XX/XXXX Adjustment - {$320.00} {$0.00} {$0.00} - {$320.00} XX/XX/XXXX Disbursement {$3200.00} {$0.00} {$0.00} {$3200.00} XX/XX/XXXX Capitalized Interest - {$62.00} {$62.00} {$0.00} {$0.00} XX/XX/XXXX Capitalized Interest {$62.00} - {$62.00} {$0.00} {$0.00} XX/XX/XXXX Adjustment {$320.00} {$0.00} {$0.00} {$320.00} XX/XX/XXXX Adjustment - {$320.00} {$0.00} {$0.00} - {$320.00} XX/XX/XXXX Disbursement {$3200.00} {$0.00} {$0.00} {$3200.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Adjustment {$320.00} {$0.00} {$0.00} {$320.00} XX/XX/XXXX Adjustment - {$320.00} {$0.00} {$0.00} - {$320.00} XX/XX/XXXX Disbursement {$3200.00} {$0.00} {$0.00} {$3200.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Capitalized Interest {$2.00} - {$2.00} {$0.00} {$0.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Disbursement {$370.00} {$0.00} {$0.00} {$370.00} XX/XX/XXXX Refund - {$370.00} {$0.00} {$0.00} - {$370.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Disbursement - {$370.00} {$0.00} {$0.00} - {$370.00} XX/XX/XXXX Refund {$370.00} {$0.00} {$0.00} {$370.00} XX/XX/XXXX Refund - {$370.00} {$0.00} {$0.00} - {$370.00} XX/XX/XXXX Disbursement {$370.00} {$0.00} {$0.00} {$370.00} XX/XX/XXXX Adjustment {$38.00} {$0.00} {$0.00} {$38.00} XX/XX/XXXX Adjustment - {$38.00} {$0.00} {$0.00} - {$38.00} XX/XX/XXXX Disbursement {$380.00} {$0.00} {$0.00} {$380.00} XX/XX/XXXX Disbursement - {$380.00} {$0.00} {$0.00} - {$380.00} XX/XX/XXXX Disbursement {$380.00} {$0.00} {$0.00} {$380.00} XX/XX/XXXX Payment - {$15.00} - {$14.00} {$0.00} - {$30.00} XX/XX/XXXX Payment - {$0.00} - {$29.00} {$0.00} - {$30.00} XX/XX/XXXX Payment {$0.00} - {$30.00} {$0.00} - {$30.00} XX/XX/XXXX Payment {$0.00} - {$30.00} {$0.00} - {$30.00} XX/XX/XXXX Payment {$0.00} - {$30.00} {$0.00} - {$30.00} XX/XX/XXXX Payment - {$6.00} - {$20.00} {$0.00} - {$27.00} XX/XX/XXXX Payment {$0.00} - {$30.00} {$0.00} - {$30.00} XX/XX/XXXX Payment - {$2.00} - {$24.00} {$0.00} - {$27.00} XX/XX/XXXX Payment - {$17.00} - {$17.00} {$0.00} - {$35.00} XX/XX/XXXX Payment - {$14.00} - {$12.00} {$0.00} - {$26.00} XX/XX/XXXX Payment - {$31.00} - {$26.00} {$0.00} - {$58.00} XX/XX/XXXX Payment - {$23.00} - {$26.00} {$0.00} - {$50.00} XX/XX/XXXX Capitalized Interest {$0.00} - {$0.00} {$0.00} {$0.00} XX/XX/XXXX Payment - {$13.00} - {$13.00} {$0.00} - {$26.00} XX/XX/XXXX Payment - {$8.00} - {$17.00} {$0.00} - {$26.00} XX/XX/XXXX Capitalized Interest {$150.00} - {$150.00} {$0.00} {$0.00} XX/XX/XXXX Payment {$0.00} - {$26.00} {$0.00} - {$26.00} XX/XX/XXXX Payment {$0.00} - {$25.00} {$0.00} - {$25.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Adjustment {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX School Refund - {$9.00} {$0.00} {$0.00} - {$9.00} XX/XX/XXXX Refund - {$1300.00} {$0.00} {$0.00} - {$1300.00} XX/XX/XXXX Disbursement {$6400.00} {$0.00} {$0.00} {$6400.00}
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| 07/26/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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On XX/XX/XXXX, I submitted a Direct Consolidation Loan to the Department of Education to take advantage of the limited XXXX Waiver which expires in XXXX of 2022. The consolidation is being processed by AidVantage and once completed will be turned over to XXXX as the new servicer under XXXX ( which has already been approved ).
On XX/XX/XXXX I contacted AidVantage to confirm that they received my information as I had not received any correspondence from them regarding my consolidation and that I was leaving for 1 week on an international work trip on XX/XX/XXXX ( returning on XX/XX/XXXX ) and needed to review and approve the loan information before then. They stated that the Direct Consolidation Loan Summary was completed and mailed as of XX/XX/XXXX, no email would be sent. When I received the letter later that week I just needed to call them to approve the information so the process could be sped up.
On XX/XX/XXXX I received the Direct Consolidation Loan Summary document from AidVantage, which was dated XX/XX/XXXX, giving me only 3 business days to review and approve the information in the document and while I was on an international trip. My wife scanned the form and upon review, the loan summary information was incorrect for all loans that are being consolidated and the outstanding loan amounts were all higher than the loans listed by my current servicers ( XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX for my XXXX XXXX ) in my online account portals. On XX/XX/XXXX I contacted AidVantage ( incurring extra charges for international calling ) to report the problem and was told that the information they provided to me was copied directly from what my current loan servicers reported to them. They then told me that they would request a new XXXX XXXX which would restart the 10 day clock for consolidation and that in the interim I needed to reach out to my current servicers to see why the reported information did not match. The total discrepancy is less than {$500.00} across 19 accounts and accounts for less than 1 % of the total loan amount.
On XX/XX/XXXX ( after I returned home ) I called XXXX to determine why the reported information was higher than my online accounts showed and spent over 90 minutes on the call and was told that the information their systems showed and what my online account showed matched and they were unclear as to why the amount being reported would be higher. I requested a full audit of the account. However, since the consolidation process had started they no longer had access to conduct the audit and only AidVantage and/or the new servicer XXXX could conduct that.
On XX/XX/XXXX I called XXXX to see if they were able to conduct an audit and find out where the discrepancy was within the system. Since they are not yet my servicer they were unable to conduct an audit or access my accounts fully and advised that I speak with XXXX who is my current servicer. I told them the situation and they advised I contact AidVantage for more information. At this point I called the Department of Education helpline and after much back and forth they advised that I call XXXX, then XXXX, then finally AidVantage as they would have the most updated information. I then contacted AidVantage and they stated that they had seen this problem before and that the issue is that their system is automatically adding in the daily interest that is being compounded before the payoff will be completed. This is incorrect as currently my loans are in a 0 % interest forbearance and no interest is being accrued. I advised them that I would not agree to the loan consolidation until they corrected their mistake and sent me the correct consolidation amount as the document is a legally binding agreement and I refuse to authorize a higher payment to any servicer for fear that that money will not be recovered and I will be on the hook for the additional sum. They stated they would redo the Loan Consolidation form with the correct amounts and remove the incorrectly accrued interest and restart the 10 day clock. I stated that what they are doing amounts to fraud as they are knowingly sending false information to clients and asking them to agree to the incorrect consolidation amounts.
On XX/XX/XXXX I received the 3rd XXXX XXXX XXXX letter which still has the incorrect amounts with the daily interest added to each loan. The letter was dated XX/XX/XXXX, again only giving me a couple days to deal with the issue before the automatic disbursement would be completed.
Today, XX/XX/XXXX, I called AidVantage and stated again that the information sent was incorrect and that I was promised on my previous call that it would be corrected and that they would fix their system 's automated daily interest accrual issue. They again advised that they were aware of the problem and that even though the notes stated they would send me the correct version the can not process it correctly without including the daily interest amount. I told AidVantage that I would be filing a complaint with the CFPB and that I will not agree to loan terms that are false, and that AidVantage is knowingly committing fraud and acting negligently in sending false loan data for a legally binding loan to clients. AidVantage stated that after I agreed to the disbursement a further review would be done and the correct amounts of money would be sent to my servicers. However, there is no proof that this will occur, and I refuse to agree to an incorrect Loan Consolidation letter with knowingly fraudulent information. AidVantage is now sending a 4th Loan Consolidation confirmation and I stated that I need an accompanying document stating that the loans being paid will be in the amounts listed on my accounts and not include the daily accruing interest which should be accruing due to the 0 % interest forbearance.
I need to have this problem resolved and AidVantage held accountable for knowingly filing fraudulent documentation and trying to pressure me into agreeing to said document. This is negligent and fraudulent behavior and I have no confidence that it will be corrected and it may cost me the opportunity to take advantage of the XXXX limited waiver.
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| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To whom it may concern, I, XXXX XXXX, The consumer and obligor has noticed a billing error. The creditor has failed to give me proper notice of this billing error several times. I have noticed every account statement is in invoice of indebtedness, also having a coupon/check attached to it. On this invoice the creditor is attempting to collect a debt that has already been paid. They claim that this is a debt that I owe. How is that possible if the amount that theyre asking for isnt a negative balance? And how is it possible that this debt is still owed when my signature on my application is payment of the debt? I, XXXX XXXX ( the obligor and consumer ) I am giving proper notice of this billing error. This is my final attempt to clear and dismiss of any debt that the creditor claims that I owe. According to 15 USC 1666b timing of payments states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
The creditor has failed several times to provide me ( the consumer/obligor ) with each periodic statement and information required by section 1637 ( b ) of title 15 USC 1666b . The creditor has not gave me proper notice within 21 days of the payment due date as required by 15 USC 1666b.
What is a late payment? And how can that payment be late or past due if it is not a negative balance? How can a late, missed, or past due balance exist if my signature on my application for credit is payment of the debt? According to 15 USC 1666d Treatment of credit balances States Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditorin excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Every account statement has failed to demonstrate indebtedness. For example if I borrow {$20000.00} shouldnt my account statement show a negative XXXX XXXXXXXX? And every time I make a payment it would reduce that amount bringing the negative balance closer to {$0.00}?
None of the account statements show a negative balance, only a positive balance. According to the law a positive balance means that there is a surplus. This debt that the creditor claims I owe does not belong to me. According to 18 USC section 8 Obligation or other security of the United States defined States The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXXXXXX XXXX currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceledUnited States stamps.
All debts public and private are the obligation of the United States. The creditor claims that I owe/owed this debt but what exactly am I paying for if the debt has already been paid for with my signature? The obligation has already been paid for. So why are they claiming that I owe/owed this debt? This billing error notice is also a notice of request for refund by I, XXXX XXXX ( the consumer/obligor ) .According to 15 USC 1666d section A, section B, section C, States A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
I am now requesting a refund of ALL payment paid AND dismissal and discharge of this debt. I XXXX XXXX ( the consumer/obligor ) I am also requesting that the accounts be ceased and desist IMMEDIATELY. I have blindly paid this debt twice. The creditor has fraudulently and illegally double dipped on payment of this debt. The creditor has furnished I, XXXX XXXX ( the consumer/obligor ) with deceptive forms several times ( See attachment A ) creating a false belief that I owe this debt. According to 15 USC 1692J Furnishing certain deceptive forms States The creditor has been racketeering and extorting money out of I, XXXX XXXX the consumer/obligor ) several times. This is totally illegal and they could go to jail for this. According to 18 USC 1961 Definitions States However, I am willing to overlook this matter AS LONG AS ALL of my request are resolved AND completed within 10 days of receiving this notice. If my request or not resolved AND completed within the given time frame above, I will take this to higher authorities. The creditor now has 10 days within receiving this notice to refund me, clear/dismiss the debt, and cease and desist of the account.
Kind Regards, XXXX XXXX XXXX Without prejudice/Recourse UCC 1 308.4
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| 10/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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I am fortunate to work for a company that has agreed to assist with my student loan payments. For them to do so, I am required to submit a copy of a current billing statement. One might imagine that this would be a simple request for Aidvantage to fulfill ; but the past month or so that I've spent trying to contact them to secure this document seems to suggest otherwise ( and also seems to reflect a larger, more concerning trend of incompetence and complete lack of ability to effectively service their " customers '' ). The following paragraphs contain a brief rundown of events : On XX/XX/XXXX I received email correspondence from the U.S. Department of Education with information about preparing for the continuation of student loan payments. In this email, I was advised that I could expect to receive a current billing statement from Aidvantage at least 21 days before my payment is due ( XX/XX/XXXX ). Upon receipt of this message, I registered an account online with Aidvantage, and took care to ensure that all of my personal information was correct and up to date to ensure that there would be no issue in receiving further communication from the lender.
On XX/XX/XXXX, I received an email from Aidvantage which indicated that they were to have started sending out billing statements on XX/XX/XXXX. I had not gotten anything in the mail by that point, so I waited for a few days to accommodate mail delivery service times. A week later, on XX/XX/XXXX, I still had not received any correspondence, so I attempted to call Aidvantage customer service during regular business hours in hopes of getting some kind of update. I sat on hold for over an hour before needing to get on with my day, so no contact was made.
Later that day, I logged back on to my account to see whether any of this information was available for me to access electronically. It was not. I did, however, notice that Aidvantage advertised a Live Chat feature built into their website, which presumably would connect me to someone who may be able to assist with my request. But when I tried to use this feature, I was met with an error message which prevented me from making any kind of contact. I figured that there was some kind of technical issue going on, and resolved to give them a couple of days to fix it before trying again.
The following day, XX/XX/XXXX, I received another email from Aidvantage with the subject line : " Your monthly billing statement is ready. '' I opened the email and saw that it contained a link that said " View Statement. '' This was great news -- problem solved, right? But when I clicked on the link, I was directed to a broken webpage that did not allow me locate any useful information ( I've attached a screenshot of the page that I took this evening. It's still broken ). I tried again to call customer service and utilize the non-functional chat feature, neither of which yielded any kind of response. At this point, I'm starting to wonder whether this company actually has anyone working for them On XX/XX/XXXX, I had a bit more time to spare, so I tried to call in again. I waited on hold for nearly 2 hours this time before giving up, and checked the website again to see if the Live Chat function was back online. I repeated this process over the next several days ( with varying hold times ) while keeping a close eye on my physical mailbox in hopes that I would still receive a statement as promised. No success.
Fast forward a bit, and it's XX/XX/XXXX, and my payment is due in less than 2 weeks, and I still haven't gotten any information or communication from Aidvantage. Everything is still broken. Incredibly frustrated, I started combing through their website to find any kind of useful information. I finally located a link that would allow me to email their customer service team, so I did. Upon submitting my request, I received an automated email which advised that I could expect a response within 1-2 business days. It's been about 5 business days, and I still have yet to hear back.
Today, XXXX, I found myself stuck in traffic, so I decided to try calling customer service again. I wasn't hopeful, but it's become apparent to me that my options here are pretty limited. After an hour, I was finally connected to a representative.
I spoke with the gentleman on the other line, and repeated my original request for a billing statement. He was a nice guy, but didn't seem to have a clue as to what I was actually looking for. It took me about 15 minutes of explaining, but he was finally able to confirm what I was needing and let me know that a copy of a statement will be mailed to me within the next 5-7 business days. I asked whether he could just send me an email instead, but he advised that would not be possible. Doesn't make a ton of sense to me, but I didn't bother asking why. I was mostly just happy to discover that Aidvantage actually has employees.
Now, assuming that a billing statement has actually been placed in the mail and I can actually expect to receive it this time ; I will not be able to access it or submit it my employer until after my first payment is XXXX XXXX XXXX. My recent interactions ( or attempts thereof ) with Aidvantage have not inspired confidence that they will actually follow through on their commitment, which is why I wanted to ensure that a formal complaint was documented.
I know that this is a relatively minor issue, but if my recent experience is indicative of " the norm '' in dealing with this company, then I can only imagine what other customers have had to go through while preparing for repayment. The financial stress of repayment is enough of a burden on the consumers, and it's only been magnified by Aidvantage 's utter lack of care or respect for their clients. Frankly, I'm amazed that this firm has been allowed to take on the responsibility of administering something so impactful to the lives of thousands ( millions? ) of people. I'm not sure whether there is a standard of care for these kinds of organizations, but I'm certain that Aidvantage has no interest in establishing or adhering to it.
Also, the Live Chat is still broken.
|
| 06/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I am the victim of fraud due to Aidvantage botching my student loan payments.
My wife and I bought a house in XX/XX/XXXX. Our mortgage was through Maryland 's SmartBuy program, which paid off a set amount of our student loans as long as we paid any remaining balance. Consequently, on XX/XX/XXXX, I made a payment to my Aidvantage student loans totaling {$7700.00}, which would have left my remaining balance with Aidvantage at {$2000.00}. Unfortunately, when I requested a payoff verification letter from Aidvantage that would prove my new balance to my creditor and the State of Maryland, Aidvantage gave me a balance that did not reflect my payment at all. As such, I was forced to include in my home closing cost the full balance of my Aidvantage student loans, which would be paid to Aidvantage via my title company, in order to prove to my creditor and the State of Maryland that the loans would be paid off fully. This resulted in a net overpayment to Aidvantage ( i.e., my XX/XX/XXXX {$7700.00} payment plus the amount paid by my title company ).
For transparency 's sake : due to the above, our home closing costs included an additional {$7700.00}, plus an additional {$950.00} just to be safe and to round our closing cost payment up to an even {$41000.00}, meaning that I believe my overpayment amount to Aidvantage totaled {$8700.00}.
My understanding was that Aidvantage would automatically return to me the amount of the overpayment. When I did not receive such a credit from Aidvantage, however, I reached out to Aidvantage via telephone on XX/XX/XXXX, at which point they informed me that the balance would be returned to me automatically ; my recollection is that they said it would take 4 to 6 weeks, and that I should call if I did not hear anything in 4 weeks. Therefore, when I still had not received the payment, I reached out to Aidvantage via telephone on XX/XX/XXXX, at which point they assured me that the overpayment amount was indeed going to be sent to me. I was told that the amount had already been sent by check ; I explained that I had not received a check, leading the Aidvantage representative to offer to resend the payment via direct deposit. I explicitly stated that this amount was to be sent to me via direct deposit, and I confirmed this with Aidvantage during this XX/XX/XXXX phone call, when I gave the representative my bank routing and account number and confirmed the payment instructions. At that time, I was told it would take 8 to 10 weeks for the amount to be deposited into my bank account.
This did not occur, but I tried to give Aidvantage the benefit of the doubt, given that they had been so inefficient when I had talked to them previously ; I assumed the payment was simply taking longer than expected to process. However, when the payment still remained missing, I reached out via telephone on XX/XX/XXXX, to investigate. I was told that the payment had been sent by check, despite our explicit agreement - confirmed with Aidvantage, as previously outlined- to send the payment via direct deposit. When I explained this to Aidvantage, the representative asserted that he would reissue the request for my direct-deposit payment, he took my bank account and routing information, and informed me explicitly that I should expect my payment to arrive by XX/XX/XXXX, as direct deposits were being executed quickly at the time.
After my payment had still not arrived in the stated timeframe, I reached out to Aidvantage via telephone again on XX/XX/XXXX. However, its automated phone service repeatedly delayed my request until it was past XXXX XXXX, at which point it suddenly informed me that the office was closed. ( I realize this sounds conspiratorial, but the automated service kept playing faux typing sounds for quite some time instead of connecting me to an agent, which it had never done to such an extent in my previous calls, leading me to believe the system was deliberately delaying my call at the end of the office hours. ) I finally reached out again on XX/XX/XXXX, via telephone, and explained my situation to the representative. She informed me that the representative on XX/XX/XXXX had not reissued the payment as he had said, but instead issued a stop-payment order and began an investigation into my payment problems, which was internally expected to be resolved by XX/XX/XXXX. That investigation, which had concluded without my knowledge, found that - despite my aforementioned instructions to the contrary - a payment to me had been issued via check, and furthermore, that the check had been cashed, leading the investigation and my case to be closed by Aidvantage. However, I never received a check, much less cashed it, and indeed had solely expected my payment to come via direct deposit. Likewise, I was told that I had already been sent a copy of that cashed check - a copy which I also had never received ( or had even been informed about ). At that point, the representative informed me that my only recourse was to fill out a Department of Treasury packet ( which she would request to be issued to me ) in order to claim fraud on my account. She also informed me that, though she could not say for sure, it appeared the check was signed with my name on the back.
Two things are abundantly clear to me at this point. First, I am most certainly the victim of fraud, as a check was cashed in my name without my knowledge- and indeed, without my ever knowing that there was a check to cash, much less receiving such a check. Second, none of this ever would have happened if Aidvantage had processed the return of my overpayment according to the instructions that I repeatedly agreed to with their representatives. At multiple points, I reiterated my instructions to Aidvantage 's representatives, and yet the company apparently ignored those instructions repeatedly - and misinformed me about its actions all the while. Additionally, they do not keep a clear record of my payments and the resulting balances on their website, so it is extremely difficult to reexamine the relevant balances and payments within the time period of this ordeal.
|
| 12/30/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
|
Dear Sir or Madam, 1. DPT EDXXXX Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with DPT EDXXXX and XXXX results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 12/22/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Dear Sir or Madam, XXXX. XXXX XXXX Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, XXXX. XXXX Account XXXX : XXXX correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX as wells 120 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 07/14/2022 |
Yes |
- Student loan
- Private student loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
1. DPT EDXXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report in amazement, that you have decided to report me 120 days late in XXXX XXXX, 90 days in XXXX XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX.
I immediately disputed this information with XXXX XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX XXXX Date of Birth:XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
1. U.S. Department of EducationXXXX . Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 190 days late on this account from XX/XX/XXXX up to the month of XX/XX/XXXX.
I immediately disputed this information with the U.S. Department of EducationXXXX . and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by the creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by the creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by the creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers, and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA, and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years ' worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements, or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I, therefore, demand these late payments are removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I, therefore, am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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Subject : Formal Request to Investigate and Correct Inaccuracies in My Consumer Reports Dear Sir/Madam, Upon conducting a meticulous examination of my consumer reports, I have uncovered disconcerting inaccuracies concerning reported " late payments '' on specific accounts, including XXXX Account # XXXX, # XXXX, # XXXX, # XXXX. To the best of my knowledge and recollection, I have consistently made on-time payments on these accounts. The inclusion of these inaccuracies not only undermines my creditworthiness but also raises serious concerns regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ) and various other legal provisions. These include : 15 U.S. Code 1681 : This section of the FCRA provides the foundational framework for consumer credit reporting and governs the actions of Consumer Reporting Agencies. It outlines the rights and responsibilities of both consumers and credit reporting agencies in the reporting and management of credit information.
15 U.S. Code 1681 section 602 A : This particular provision emphasizes and safeguards the right to privacy for consumers. It highlights the importance of ensuring that sensitive financial information is accurately reported and maintained.
15 U.S. Code 1681 section 604 A Section 2 : This section reinforces the requirement that a Consumer Reporting Agency can not furnish an account without obtaining written instructions from the consumer. It ensures that reporting is done with the clear consent and authorization of the consumer.
15 U.S. Code 1666b : This section relates to the rights of consumers in credit disputes and mandates that credit reporting agencies must conduct thorough investigations upon receiving a dispute from a consumer.
15 U.S Code 1605 : This section outlines the specific duties of furnishers of information, including creditors and financial institutions, to provide accurate and complete information to credit reporting agencies.
15 U.S. Code 6802 : This provision pertains to the protection of sensitive financial information and outlines measures that must be taken to ensure the security and confidentiality of consumer data.
15 U.S. Code 1681i : This section details the obligations of credit reporting agencies when investigating consumer disputes. It ensures that disputes are handled in a fair and accurate manner.
15 U.S. Code 1681i ( 5 ) : This subsection of the FCRA is particularly relevant to the investigation of disputes and stipulates the procedures that must be followed when reviewing the accuracy of consumer credit information.
15 USC 6802B : This section relates to data security and the protection of sensitive financial information.
15 U.S. Code 1692k : This section, while not directly related to credit reporting, is pertinent to this matter. It falls under the Fair Debt Collection Practices Act ( FDCPA ) and outlines penalties for violations of debt collection regulations. This section underscores the importance of adherence to consumer protection laws.
15 U.S. Code 1681b ( a ) ( c ) : This section outlines permissible purposes for obtaining consumer reports. It is crucial to ensuring that information is accessed and used appropriately.
In light of these legal provisions, and in accordance with the FCRA and other relevant regulations, if you are unable to provide substantial evidence to support the reported late payments, I insist that you promptly correct my credit report to accurately reflect the true status of these accounts, which is " on time. '' To the best of my knowledge and records, I have never been late on these accounts, and these inaccuracies have the potential to significantly impact my financial well-being.
Furthermore, I must emphasize that the late payment entries on my credit report, as they are currently reported, are in violation of the FCRA, specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). According to the FCRA, late payments should not be reported as negative information. The inclusion of these inaccurately reported late payments adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms.
Additionally, under the Health Insurance Portability and Accountability Act ( HIPAA ) law, I am protected from having my information shared with third parties without my explicit consent. I have neither signed nor given any permission for the sharing of my personal and financial information with any third party.
Moreover, I must insist that you provide a detailed breakdown of all medical charges and fees associated with the reported accounts, including any collection costs. I also request a copy of my wet signature with the provider of services, authorizing the release of my medical information to you.
Additionally, I hereby request that you immediately cease any and all credit bureau reporting of the disputed information while this matter is under investigation.
Furthermore, please note that I accept this letter as formal debt validation, which is my right under the Fair Debt Collection Practices Act ( FDCPA ). Withholding any information received from any provider, including but not limited to detailed billing and authorization documents, will also be considered a violation of my rights under the FDCPA and other applicable laws.
As per 15 U.S. Code 1692k, I must also request payment for each violation on my credit report. Each violation constitutes a separate instance of non-compliance, and I expect a mailed check of {$1000.00} for each violation to be issued to me.
After the completion of your investigations and necessary corrections, I kindly request that you send me an updated credit report to the address stated above, along with the checks for the violations and all the requested documentation.
I deeply appreciate your prompt attention to this matter and anticipate the resolution and correction of my consumer reports without undue delay.
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| 12/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir or Madam, 1. XXXX XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX.
I immediately disputed this information with XXXX XXXX and XXXX results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 01/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Incorrect information on your report
- Account information incorrect
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Web |
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I live in Kansas, XXXX gave me student loans when I had a XXXX credit score knowing I couldnt repay for a XXXX college. I have been in delinquency for years! 39 State Attorneys General Announce {$1.00} XXXX Settlement with Student Loan Servicer XXXX Settlement includes {$1.00} XXXX in debt cancellation and {$95.00} XXXX in restitution Thursday, XX/XX/XXXX 39 state Attorneys General announced today that XXXX, known as one of the nations largest student loan servicers, will provide relief totaling {$1.00} XXXX to resolve allegations of widespread unfair and deceptive student loan servicing practices and abuses in originating predatory student loans.
This settlement resolves claims that since XXXX, despite representing that it would help borrowers find the best repayment options for them, XXXX steered struggling student loan borrowers into costly long-term forbearances instead of counseling them about the benefits of more affordable income-driven repayment plans.
According to the attorneys general, the interest that accrued because of XXXX forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. Had the company instead provided borrowers with the help it promised, income-driven repayment plans could have potentially reduced payments to as low as {$0.00} per month, provided interest subsidies, and/or helped attain forgiveness of any remaining balance after 20-25 years of qualifying payments ( or 10 years for borrowers qualified under the Public Service Loan Forgiveness Program ) .
XXXX also allegedly originated predatory subprime private loans to students attending for-profit schools and colleges with low graduation rates, even though it knew that a very high percentage of such borrowers would be unable to repay the loans. XXXX allegedly made these risky subprime loans as an inducement to get schools to use XXXX as a preferred lender for highly-profitable federal and prime private loans, without regard for borrowers and their families, many of whom were unknowingly ensnared in debts they could never repay.
Under the terms of the settlement, XXXX will cancel the remaining balance on {$1.00} billion in subprime private student loan balances owed by more than 66,000 borrowers nationwide. In addition, XXXX will pay {$140.00} million to the attorneys general. A total of {$95.00} million in restitution payments of about {$260.00} each will be distributed to approximately XXXX federal loan borrowers who were placed in certain types of long-term forbearances. Borrowers who will receive restitution or debt cancellation span all generations : XXXX harmful conduct impacted everyone from students who enrolled in colleges and universities immediately after high school to mid-career students who dropped out after enrolling in a for-profit school in the early to mid-XXXX.
The settlement includes conduct reforms that require XXXX to explain the benefits of income-driven repayment plans and to offer to estimate income-driven payment amounts before placing borrowers into optional forbearances. Additionally, XXXX must train specialists who will advise distressed borrowers concerning alternative repayment options and counsel public service workers concerning Public Service Loan Forgiveness ( PSLF ) and related programs. The conduct reforms imposed by the settlement include prohibitions on compensating customer service agents in a manner that incentivizes them to minimize time spent counseling borrowers.
The settlement also requires XXXX to notify borrowers about the U.S. Department of Educations recently announced PSLF limited waiver opportunity, which temporarily offers millions of qualifying public service workers the chance to have previously nonqualifying repayment periods counted toward loan forgivenessprovided that they consolidate into the Direct Loan Program and file employment certifications by XX/XX/XXXX.
As a result of todays settlement, borrowers receiving private loan debt cancellation will receive a notice from XXXX by XX/XX/XXXX, along with refunds of any payments made on the cancelled private loans after XX/XX/XXXX. Federal loan borrowers who are eligible for a restitution payment of approximately {$260.00} will receive a postcard in the mail from the settlement administrator later this spring.
Federal loan borrowers who qualify for relief under this settlement do not need to take any action except update or create their studentaid.gov account to ensure that the U.S. Department of Education has their current address.
Until recently, XXXX had a contract to service federal student loans owned by the U.S. Department of Education, including a large portfolio of loans made under the Direct Loan Program and a smaller portfolio of loans made under the Federal Family Education Loan ( FFEL ) program. On XX/XX/XXXX, the U.S. Department of Education announced the transfer of this contract from XXXX to Aidvantage, a division of Maximus Federal Services , Inc. However, XXXX will continue to service federal student loans made under the FFEL Program that are owned by private lenders, as well as non-federal private student loans.
The settlement was led by Pennsylvania, Washington, Illinois, Massachusetts, and California, and was joined by attorneys general in Arizona, Arkansas, Colorado, Connecticut, the District of Columbia, Delaware, Florida, Georgia, Hawaii, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Rhode Island, South Carolina, Tennessee, Vermont, Virginia, West Virginia, Vermont, and Wisconsin.
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| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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First of all, this is a disclaimer indicating this dispute was not completed nor submitted by a credit-repair organization on my behalf. Per 12 CFR Part 1016.7 you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) that you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) that the consumer has the right to opt out of that disclosure; and ( iii ) a reasonable means by which the consumer may exercise the opt out right. 12 CFR 1016.9 indicates how OPT OUT notices are to be delivered and since I DID NOT and DO NOT agree to participate in anything electronically, it is unreasonable of you to expect that as a consumer, I would be able to receive your actual notice of your privacy policies and practices if you : ( i ) Only post a sign in your branch or office or generally publish advertisements of your privacy policies and practices ; or ( ii ) Send the notice via electronic mail to a consumer who does not obtain a financial product or service from you electronically ( 12 CFR 1016 ( b ) 2 ( i ) ( ii ). Pertaining to your OPT OUT notice, you provide is electronically on your website. Also, 12 CFR Part 1016.7 ( g ) also states that you must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. As of today, XX/XX/XXXX, I have not received a privacy notice or an Opt Out notice from Aidvantage. Per 15 USC 6805 ( b ) and FCRA and as a federally protected consumer, I am requesting to opt out of any and all authorizations reporting of my personal data to anyone without my prior written consent, immediately and permanently. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974. In addition to Aidvantage you are in violation of Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). This Federal law protects the privacy of my student education records. Upon initial signage of my privacy act documents, there were verbiage that stated, the school would not provide my financial records to any 3rd party company. Per 34 CFR 99.2, education records include but not limited to : Grades, transcripts, class lists, student course schedules, health records ( at the K-12 level ), student financial information ( at the postsecondary level ), and student discipline files.
Furthermore, according to the law ( 12 CFR Part 1016.4 ( a ) ( 2 ) you are required to provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to consumers before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part. You are violation of 15 USC 6802 ( obligations with respect to disclosures of personal information ) - you ( Aidvantage ) communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not to be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission. Once again, I DID NOT AND DO NOT CONSENT to you AIDVANTAGE furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated IDENTITY THEFT and SECURITIES FRAUD in accordance with 18 U.S.C 1028A and 17 CFR Part 248. You are now in breach of 15 U.S. Code 1681n - Civil liability for willful noncompliance ( A ) any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) A any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) ; B in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court ( B ) Civil liability for knowing noncompliance- Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. I am requesting that you IMMEDIATELY and PERMANENTLY remove all student loans from my consumer report within 4 days. If they are NOT removed, I will consult my legal team to file a FEDERAL case against you for adverse actions taken against me for denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
CC : SECURITES AND EXCHANGE COMMISSION, FEDERAL TRADE COMMISSION ( FRAUD ), OFFICE OF COMPTROLLER OF THE CURRENCY, CFPB
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| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Violations occurred on or about XX/XX/XXXX when student loans were first acquired, and remained ongoing to present : FIRST VIOLATION My personal information is being improperly and illegally being collected, shared and reported in VIOLATION of my rights as a federally protected consumer under the Privacy Act of 1974 which is a federal law that governs the collection and use of records federal agencies maintain on me in a system of records. This system of records is any grouping of information about me under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act of 1974, Federal agencies may not disclose information without my consent unless certain exceptions apply to the disclosure. The CRAs have not met the definitions of those " certain exceptions ''. Additionally, I have never provided written consent for my personal information to be disclosed to any credit report agencies, 3rd party, affiliates, and non-affiliates.
SECOND VIOLATION According to The No Disclosure without Consent Rule, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) THIRD VIOLATION Reporting of these student loan accounts on my credit report is also a violation of The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.
FOURTH VIOLATION Additionally, under 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. [ 40 FR 53506, Nov. 18, 1975 ; 40 FR 58131, Dec. 15, 1975 ] Thus, I was violated by the U.S. Department of Education, its student loan servicers, AND, the CRAs ( XXXX, XXXX, & XXXX ). I have written numerous letters to XXXX, XXXX, & XXXX making the entreaties for removal and blocking of this information and also made complaints through the CFPB for similar requests however the CRAs have failed to abide by the law and removed and blocked this information even though they are in violation of primarily the Privacy Act of 1974 and FERPA.
FIFTH VIOLATION Some student loan accounts are also being reported as " late ''. This is a violation of 15 USC 1681a ( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.which states that ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Thus by reporting the transaction history of the student loan accounts it violates the exclusion provided under the law thus violating my federally protected consumer rights.
Thus, all student loan information should be blocked from my credit report.
The student loan accounts in violation of the law are attached as " Supporting Documentation '' obtained from XXXX XXXX, a data furnisher, AND listed below : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/31/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Servicemember |
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My Federal loans were transferred to XXXX recently. During the process, my Public Loan Forgiveness payments got lost in the shuffle so i went about rectifying them them. Once I d collected the certifications, I called XXXX because it looked like 2 of 3 loans were ripe for discharge just leaving about 60 payments left on a loan that was never consolidated- the amount of that loan was around $ XXXX. During that call, the representative told me consolidating the $ XXXX loan into the others would be a back door and an extra boost towards PSLF. Please note the consolidation advice was in the call logs when I called back at a later date.
Excited, I immediately consolidated the third loan into the other two. Somewhere along the line, I read or heard that consolidation would set the counter to zero. I absolutely panicked, called XXXX who confirmed the notes reflected they told me to do consolidate and after some backpedaling the XXXX rep said it would only temporarily set the PSLF payment to zero qualifying payments and then Id be pushed over the qualifying payment minimum ( XXXX ) to forgiveness. Nonetheless, between XXXX and XX/XX/XXXX, I sent frantic emails asking studntaid.gov and to Aidvantahe to cancel the consolidation as I was in mortal fear Id lose a $ XXXX discharge.
I received one responsive email on XX/XX/XXXX at XXXX PM : XXXX XXXX, Please accept our heartfelt gratitude for all you do to protect our freedoms and know that your time, commitment, and service are truly appreciated. I called on Friday and left a message on your voicemail. We were able to pull this information from StudentAid.gov. We believe this may be what XXXX is suggesting. How does this work if I consolidate loans with different amounts of time in repayment? Assuming your repayment history overlaps for each loan, the consolidation loan will be credited with the longest amount of time in repayment of the loans that were consolidated. For example, say you had 50 months of time in repayment on one Subsidized Stafford Loan and 100 months of time in repayment on another Subsidized Stafford Loan. If you consolidated those loans, you would receive credit for 100 months of payments on the new Direct Consolidation Loan. If your repayment history does not overlap for each loan, the consolidation loan may be credited with more time in repayment than the loan with the longest amount of time in repayment. Using the same example above, if the loan with 50 months of time in repayment included XX/XX/XXXX in repayment status but the loan with 100 months did not, the resulting consolidation loan might be credited with 101 months of payments. This can occur where borrowers relied on different repayment, forbearance, or deferment options on different loans for the same period. We will start processing loans that are eligible for forgiveness later this year. If you have loans with different counts and one of those loans qualifies for forgiveness, you may benefit from consolidating in order to get all of your loans forgiven at the same time. If you do, you would receive forgiveness because the consolidation loan will be credited with the longest amount of time in repayment. Why do I have to apply to consolidate by the end of XXXX? The adjustment will be applied to most borrowers~~ accounts in XXXX. It will be applied only to Direct and FFEL Program loans held by ED. If you have commercially held FFEL or any Perkins or HEAL loans, you will need to consolidate them before the end of XXXX to benefit from the account adjustment. Keep in mind that you can locate a listing of military benefits at aidvantage.com/military-benefits. Visiting aidvantage.com will also help you to manage your education loans from anywhere, at any time. You are welcome to call our specialized XXXX XXXX team toll free at XXXX for your XXXX XXXX questions. Were here to help you Monday XXXX to XXXX, Tuesday & Wednesday XXXX to XXXX, Thursday & Friday XXXX to XXXX, XXXX. We truly thank you for your service to our country. Thank you, XXXX XXXX Military Benefits Phone : XXXX Email : XXXX I then logged in and saw a XXXX balance in studentaid.gov and XXXX. I emailed XXXX and they responded - that I am starting at XXXX and have to start all over again. I called this military benefits section again and was advised that they emailed me at XXXX pm on the day the cancellation of the consolidation was due ( XX/XX/XXXX ) at XXXX. The problem with that is twofold : the email i have a copy of says no such thing AND I submitted a complaint on this platform asking it be cancelled on XXXX. I emailed EVERYONE who would listen. Theres an official case stamp about it in here. This is not the intent of the administration- to saddle a borrower with $ XXXX that was paid off a week ago. When I originally called XXXX and they told me to consolidate CONSOLIDATION WASN'T EVER ON MY RADAR. I am distraught. Obviously, I did not put myself in a situation to pay XXXX more years on almost XXXX. I did so at the instruction of the representative. Further, I continue to get contradictory information from Studentaid.gov, anidvantage and Mohela about what is happening. Ineed this corrected, permanently.
XXXX, aidvantge and studentaid should not be allowed to process any action that puts a borrower further from discharge than they were originally. Its predatory. Im asking that both my situation be personally remedied and that XXXX be on notice that this behavior will be sanctions.
More screenshots and documents available on request.
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| 04/05/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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I received a letter from the Department of Education on XX/XX/XXXX stating my application for Borrower Defense regarding my loans from XXXX University were being discharged. The letter stated within 180 days. I was so happy to have the nightmare from XXXX behind me and my life could get back on track. I started looking at houses and speaking to a lender. The lender said my letter from the Department of Education was insufficient for her to begin the prequalification process because there is no amount. I called the Department of Education and was then told that if I did not refinance, I would get nothing because some of my loans were Direct and some were FFEL. I had no idea the loans were different. They were all being handled by the Department of Education. Why should there be a differentiation and why punish me further for being in this situation? I did not trust what I was being told. The agent refused to give me any dollar amount and tried to push me off on my new loan servicer AidVantage. AidVantage was also just as clueless ( which we will get into later in this statement ). I talked to my mortgage lender and she said just to wait until the loans were discharged to start the process, that it should not be much longer. The 180 days would have ended the day before my birthday, XX/XX/XXXX.
As we got closer to the due date, I reached out to the Department of Education again ( XX/XX/XXXX ). First I tried via chat and got the rudest person I have ever encountered who said that the Department was busy and it was not their fault I chose the wrong school to go to. I called the phone number after that and was given a XXXX number to call and was said to be transferred to a mailbox. I remarked that the phone number sounded fake because of the XXXX exchange. I also XXXX the number. The agent laughed at me on the phone and said " HAHAHAHA EVERYONE SAYS THAT HAHAHAHA ''. When I was transferred, I was sent to a mailbox message that said that it was both full and not set up properly to receive messages ( which seemed very odd ). I called the phone number and I was correct, it was not a real or working number. The message I received from XXXX ( my cell carrier ) is that it was not a working number. I called back again ( all of this happening in the same day ) and got a representative that did not seem like she cared about the other 2 encounters and said to just keep checking and that maybe by midXXXX something would be done.
I waited until the day before my birthday ( the 180th day ) to call again and was forced into refinancing my loans. I was told again that they do not know the exact amount that would be removed but to get it all removed I had to refinance. I went through with the process despite not being fully comfortable with what I was being asked to do. I feel like refinancing gives them the opportunity to deny my relief of this unbearable burden.
I received an email from AidVantage on XX/XX/XXXX stating that an additional {$340.00} was being added to my student loan burden. In the grand scheme of things, if I owe over {$110000.00} adding {$340.00} does not seem like a big deal but considering I have been in an economic hardship deferrment since XXXX ... adding this {$340.00} for " failing to make 12 consecutive payments '' on my loan in XXXX ( when I was in an inschool deferrment at that time ) is ridiculous. I checked my balance on the Department of Education website ( studentaid.gov -- also where the chat happened and the phone number was obtained from this website ) and it showed the same totals. I called AidVantage and spoke to a representative that said my balance was only {$18000.00} which is from my current loan for graduate school. I asked again and then I logged into the AidVantage account. It showed a payment of {$98000.00} was received. It shows up as " PAYMENT ''. The agent said it looks like my Borrower Defense discharge had happened and I would receive a letter in 2 weeks. I asked if she was sure because I did just consolidate to which she replied that it looks like the consolidation kicked off the process of these loans being discharged. I was overjoyed. It felt like a dream come true until I woke up the next day and the money was back on the account. It was not my discharge. It was just the consolidation. The same heartbreak returned.
I called the Department of Education ( studentaid.gov ) to ask them how much longer it would be and spoke with another snotty person who said that " We're really busy and maybe you will get your loans removed in XXXX or maybe as late as XXXX... we don't know ''. More heartbreak. I have also received notices from AidVantage saying I am still accruing interest on my student loans and that I will have to start repaying if the Biden administration does not extend the student loan pause. With my being part of the Borrower Defense, I have been told that there is no interest that is being added and that they can not force me to pay anything until after my loans are discharged.
I am angry that this mess keeps going. I am angry that no one has a straight answer and that I still have no answer as to when my student loans will be discharged. I have been treated horribly and I need some sort of reprieve from the nightmare.
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| 09/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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This is the second complaint I've made about Aidvantage due to their sloppy record keeping and multiple instances of giving inaccurate information. I've tried to do my due diligence and follow the chain of command and even waiting close to 2 hours to speak to a supervisor to no avail.
on XX/XX/XXXX I called and spoke to an agent and was told my payment would be {$360.00} which is the same payment amount I was told in XXXX. I asked the agent if this was the lowest amount available and she seemed to dance around the question and told me that when I submitted my income driven repayment request I should've selected the cheapest option. Its been a few years since student loan payments have been paused but I remember the servicer placing me on my current income based repayment plan. The agent made no mention of there being a possibly cheaper alternative by applying to the save program.
On XX/XX/XXXX I submitted my application for the save program online but I mistakenly choose the option for new borrowers.
on XX/XX/XXXX I realized my mistake and submitted the correct application for borrowers wanting to switch to the SAVE program.
on XX/XX/XXXX I decided to call Aidvantage to make sure the correct application was processed. The agent told me not to worry and Aidvantage is offering for a limited time self certification over the phone and she'd be able to process that for me. After answering a few questions I was told that I am eligible for the SAVE program and I'll have a payment of {$0.00}.
On XX/XX/XXXX I called Aidvantage about a correspondence sent to me on XX/XX/XXXX saying I needed to make some sort of payment to switch plans from my current income based repayment program to my requested Save program, but did not disclose what that amount would be. The agent told me because my new monthly payment would be {$0.00} I don't need to pay anything to switch plans. She went on to say my application should take 15 business days to process.
On XX/XX/XXXX I received a document saying my income based repayment plan was approved and my new payment will be {$120.00}. I also saw something saying they were waiting for a form.
When I called Aidvantage again on XX/XX/XXXX the agent told me that a formal exit procedure needed to be done by Aidvantage. He told me that self certification still applies and I have plenty of time before my repayment starts on XX/XX/XXXX. He then asked me the same self certification questions I was asked previously and told me I'm authorized to be on the Save plan. He went on to tell me my paperwork should be completed by XX/XX/XXXX and my new payment amount of {$0.00} should be reflected on my account.
on XX/XX/XXXX I called Aidvantage because at this point its now a week past the date I should've received correspondence confirming my new payment amount of {$0.00}. After waiting close to an hour, when I finally got an agent on the phone, I asked for the amount of my payment and she said its {$120.00} due on XX/XX/XXXX. She told me my application is still being processed and asked to put me on hold so she can read the notes on my account. She then informed me that I'd have to pay either the standard payment amount of approximately {$900.00} or a reduced rate of {$5.00} and enter into a voluntary forbearance to enter the SAVE program. I asked her if I agree to this can she guarantee me my application will be processed and approved because I've been told something different each time I call and this is the first I've heard of having to pay anything to switch plans. This is now the 5th time I've had to call about the same issue and have been getting different information and I'd need to speak to a supervisor.
After waiting for over 30 minutes to speak to a supervisor I spoke to XXXXXXXX XXXX XXXX XXXXXXXX. She repeated the same information as the previous agent but told me she could expedite my application so instead of it taking over 30 business days to process it would only be 24-48 hours. Otherwise I'd have to pay the {$120.00} of the income based repayment plan. I didn't get the impression that she really wanted to help me due to how long it took for her to take my call and when asked for her contact info I was told I could call back in the XXXX number and speak to an agent. This is counter intuitive when I had already told her I felt as if I had been getting the run around.
I told her I'd have to talk to my husband to see what he wants to do and for the time being I'm going to leave things as they are.
I dont trust any of the information given to me verbally by Aidvantage at this point. It's unacceptable to have to call 5 times about the same issue with no resolution. I shouldn't have to enter into a voluntary forbeance and have additional interest added onto my loan because of the inaccurate information I was repeatedly given. I don't trust that my application will be processed correctly at this point and I may even be stuck having to pay the standard payment amount of over {$900.00} once my forbearance ends. My resolution to this matter would be to give me a new servicer.
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| 11/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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The best way to explain the situation is by copying the email I sent to Aidvantage 's executives after I attempted to get a resolution through their customer service team to no avail. As a side note, I have to say there have been other times I've had to reach out to various company executives and I've always received a quick response and resolution from someone on their team. Aidadvatage is the first company where I've reached out to the highest people in the company and received no response whatsoever. Why is that? It is because they are trying to take advantage of people who are struggling with student loans and they know those people will eventually go into default ; I wonder how many people get the same service and go into default because the company that was brought on to service them provides no service at all. Also, I know the emails went through, I sent XXXX emails and only got XXXX bounce-back emails.
Email sent on XX/XX/2023 with no response : - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Sent : Sunday, XX/XX/2023 at XXXX PM XXXX Subject : XXXX Customer Service from Aidvantage Dear XXXX XXXX & other respected Maximus Leadership, No help from customer service First, Id like to say I know your time is valuable, and time is a resource, so I apologize for using such a valuable resource ; however, the customer service team for Aidvantage has been unable or unwilling to assist. As I stated, I know time is a valuable resource, and on Tuesday, XX/XX/2023, I was on the phone for almost XXXX hours. The first call was at XXXX p.m., XXXX, which lasted XXXX minutes until the system disconnected while I was in queue to speak to customer service.
The second call was XXXX and a half hours, starting at XXXX p.m. XXXX, and the customer service representative hung up on me because she could not find a supervisor to escalate the call to. The customer service representative also promised that a supervisor would call me back within XXXX hours, and I confirmed with her that I would receive a call on Wednesday, XX/XX/2023, which she confirmed. To date, I have received no call back to assist me in paying my student loans, as XXXX trying to do.
Not only did the customer service agent hang up on me and fail to escalate my call, but she was also rude and talked over me. The times and customer service experience stated above are not an exaggeration and should be able to be confirmed by completing an XXXX search in whatever phone software you utilize for Aidvantage to locate call recordings ; my number is XXXX. Being in the customer service industry for over 25 years, I can assure you, your customer service agent is not living up to Aidvantage 's motto, " Were here to help you better understand and manage repayment of your federal student loans ''.
Payment concerns Let me assure you that I am not reaching out to you to get out of paying my student loans ; instead, I am reaching out to you because I am attempting to set up a payment plan ( XXXX that I qualified for on the Aidvantage website I might add ), so that I can honor my student loan commitment. At the beginning of XXXX, I signed in to set up my payment plan ; upon signing in, I saw my monthly payments would be in the {$520.00} - {$550.00} range, and being the father of a seven-month-old infant still getting used to daycare and other expenses I wanted to find a way to reduce my monthly payment to ensure I was able to make my payment and avoid default. On your website, I saw an option to begin paying around {$190.00} a month for XXXX years, and then it would increase every XXXX or so years until it hit the {$500.00} range, which would help me set up a better budget.
However, I also saw I could fill out a form on your website that asked me what my goal was, at which time, I selected " attempting to find a lower payment ''. That selection suggested that I fill out a form for income-based repayment, which could significantly lower my monthly payments. Once I filled out the form, I figured I would be notified of the proposed payment, and I could decide which plan would be best for my financial situation. Next, I got an email notifying me my income-based payment plan was approved and my monthly payment would be {$600.00}, which is even higher than before.
Closing At this point, all my interactions with Aidvantage feel like a scam for your company to make more money by preying on those with federal student loans that, as a student loan servicer, you've committed to helping. Since it appears that your company is attempting bait-and-switch tactics with student loan borrowers that youve promised to help, it is my intention to file a written complaint with the U.S. Department of Education , my congressional representatives, and the media. Student loan borrowers should not have to go through this hassle to make a payment. Please help me get the initial plan I saw that started with a $ XXXX monthly payment for the first XXXX years.
Sincerely, XXXX XXXX
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| 10/26/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Student loan Hi. I am trying to get approved for a mortgage and my student loan is in the no payment zone from President Biden still, which is nice but it also creates problems when I'm trying to get qualified for a Fannie Mae mortgage that takes 1 % of the balance of your loans for a payment. Or if you get a XXXX XXXX loan it takes .5 % of an outstanding balance. The problem is I have XXXX loans from XXXX to XXXX and then graduate loans from XXXX to XXXX. The only time I was required to make payments was from XXXX to XXXX. All the other years during school I didn't have to and for about a half a year after each degree as XXXX told me to defer my loans. While my loans were in deferment while being in school, the interest was accruing and the balance was going up, and I also was taking out more loans each semester. And then coming out of my XXXX XXXX, in XXXX I was offered by XXXX a payment income based program with my student loans and my payment was minimal a month however it wasn't enough to cover even the interest, so that was compounding and accruing. And then in XXXX I consolidated all of my debt with XXXX because I had about 12 different payments I was making. And for the most part I lowered my interest- rate which I thought was a smart thing to do.
However, I wasn't told by XXXX that once I refinanced my debt with then that and consolidated it that the clock started over so I Lost any credit for any payments that I've been making up to that point. ( including any deferment periods while in school ). Furthermore, XXXX encourage me with every phone call to go into forbearance whenever I wasnt able to make a payment, or to take a XXXX payment plan. I consolidated my debt at approximately XXXX in XXXX, and because I was always in a Income based repayment plan where the payments were not even covering interest, it is now five years later and the debt balance is XXXX.
My loan is now with aid advantage, and I requested all documentation to prove what my original balances were from when I started school in XXXX to the present day. They told me they dont have that they only have my balance that I owe them. I said I find that very fishy and I dont want to pay some thing that I dont know is the right balance. They have never sent me any paperwork that is sufficient to satisfy have a balance could be over {$150000.00}.
When trying to get approved from mortgage, one percent of that balance is {$1500.00} a month payment for a XXXX XXXX mortgage or {$750.00} a month for a XXXX XXXX mortgage. I can not qualify for a mortgage because of this. It is included in my monthly liabilities and making my debt to income ratio way off the charts. It's bad enough that the houses are expensive and the mortgage interest rates are high now I have a ridiculous and ambivalent payment added into the mix. This balance is ridiculous. I did not get a lawyers degree, I did not get a medical degree. I have two XXXX XXXX from two schools that would accommodate me while I was Working two full-time jobs and raising a child to get him ready for college. This is a rat race. I will have this debt till the day I die. That recent XXXX XXXX that paid out {$260.00} to multiple people is a joke. What is {$260.00} going to do for me or anybody. I understand it's the restitution. And I received the {$260.00} so that is confirmation that XXXX steered me in the wrong direction all these years. And now aidadvantage is being very fishy with how theyre handling my loans as well. was never late on any payment I don't have any hits on my credit like that.
However my interest rates that I am offered and the amount of credit that I am offered is constantly inhibited because I have this high balance of student loans on my credit profile that is false and I cant get anyone to be honest with me and fix it. I do not owe $ XXXXI 'm at a loss as far as trying to figure out how to get all of this extra excess off of my balance.
I always did everything that any student loan representative from XXXX and now aide advantage called me and suggested in my situation. Thus they were sued for misleading people.
I demand that aid advantage give me records going back to when I first started school to show me all of the balances of the loans and all of my payments and all of the times that my loan was deferred or put into an income payment, and then tell me how much time I have left before my loans will be forgiven. I was misled by XXXX and I no longer have any credit for all the years that Ive been going to school since XXXX.
I dont even have a real true balance and it is affecting my life my interest rates for cars my ability to buy a home my ability to get credit cards or loans. XXXX and now eight advantage are ruining my life and I wan na know why theyre allowed to get away with us. Theyre just demanding money for me without giving me any paperwork to back it up.
I have called them several times since inception from XXXX.
Thank you.
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| 11/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Servicemember |
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# 1. Company lied to CFPB that this complaint does not belong to them when it absolutely does and I can prove it. I have attached documentation from this company, to this complaint, and they are required by law to : investigate my issues, solve my issues, and respond to these issues. That was unlawful of them to lie and say the complaint did not belong to them and return it to the CFPB. This complaint... directly ... involves Aidvantage who is currently servicing my student loans that are also currently in the XXXX discharge review process. Period. Do not let them lie again and say otherwise. I have attached proof of all that I have claimed. They must read, research, and respond to all numbered issues in this complaint or face fines and possibly pay me damages for violating my civil rights as well as my federal debt collection practices rights. # 2. They have now done damage by prolonging the process for these issues to be corrected, potentially leading to an unlawful delay in my approval for discharge. That alone is grounds for a lawsuit, and this is not the first time they have violated my rights. I have written records of complaints via third parties including the CFPB that they have violated my rights. # 3. AIDVANTAGE made the mistake of contacting me asking me to verify my recent name change. There was no name change. My name has never changed, not even when I married. # 4. When I reached out to customer service, they failed to tell me what was different about what XXXX was reporting vs what AIDVANTAGE was reporting. So? I am left to guess. What is AIDVANTAGE claiming to be wrong? My best guess is that they are referring to XXXX not including my middle initial in the spelling of my name, and AIDVANTAGE does include the spelling of my name. I should not be having to guess after all this communciation what they are claiming to be wrong. They should have made that clear. # 5. AIDVANTAGE needs to contact XXXX and cross-reference identity verification information to insure the timely completion of my application for XXXX discharge of my student loans. And I do not appreciate the unlawful attempt to prevent a successful completion of this process by lying and saying that this complaint did not involve them. That is so unlawful, unethical, and insulting. AIDVANTAGE paperwork from what I have seen in letters from them ; ( even though no one has verified to me what they are claiming to be different from what XXXX has ) lists my name as " XXXX XXXX XXXX. '' That is the correct spelling of my name, including my middle initial. XXXX from what I have seen in paperwork from them ; lists my name as " XXXX XXXX. '' Yes also correct. Obviously, one lists my middle initial and one does not. # 6. If this is the issue, they AIDVANTAGE is not being honest when they are claiming that XXXX does not have the correct spelling of my name. AIDVANTAGE is trying to purposely stop my right to XXXX discharge of my student loans by lying, again, and saying that my name is misspelled when actually it simply is not listing my middle initial. So see? This complaint directly involves AIDVANTAGE, and I was not successful in getting this issue resolved in Email traffic with customer service, and now that I have evidence AIDVANTAGE has lied not once but twice to dismiss my application for discharge, I believe this constitutes evidence of not only discrimination against me as a XXXX person that struggles to defend themselves against such unlawful behavior but also an illegal attempt to stop me from being able to discharge my student loans by playing some sort of shell game about the spelling of my name ... intentionally... so that I will not receive the federal benefit I am entitled to. I want a Manager from AIDVANTAGE involved in this situation immediately, and I want the manager to contact XXXX and verify that " XXXX XXXX '' and " XXXX XXXX XXXX '' are the exact same person and not cause further, unlawful, delay to my application for discharge or my service in any way.
I have severe mental illness. My spouse is helping me. The form for authorization is attached. It's harming my health to have such issues with these servicers. The stress is causing a list of symptoms. I need help. Note : The customer service reps that have responded to these complaints in the past are not allowed to handle my file any longer, they have a conflict of interest because they are a part of the problem and I have direct previous complaints against them on an individual basis. I have years of history of discrimination by the student loan servicers and US Dept Ed as a XXXX female. This week, due to additional evidence of unlawful behavior on part of AIDVANTAGE and further discrimination lying and saying the complaint was not about them when it was, I will be attempting to secure the assistance of an attorney that handles federal FDCA and Civil Rights Discrimination cases.
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| 08/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX ACCOUNT NAME : DPT ED/ AIDV BALANCE : {$1900.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT EDXXXX AIDV BALANCE : {$4700.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ AIDV BALANCE : {$3400.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ AIDV BALANCE : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ AIDV BALANCE : {$7300.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT EDXXXX AIDV BALANCE : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ AIDV BALANCE : {$3300.00} DATE OPENED : XX/XX/XXXX XXXX ACCOUNT NAME : DPT ED/ AIDV BALANCE : {$1900.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ AIDV BALANCE : {$4700.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ AIDV BALANCE : {$3400.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ AIDV BALANCE : {$3900.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ AIDV BALANCE : {$7300.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ AIDV BALANCE : {$3800.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ AIDV BALANCE : {$3300.00} DATE OPENED : XX/XX/XXXX XXXX ACCOUNT NAME : DPT ED/ AIDV BALANCE : {$1900.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ AIDV BALANCE : {$4700.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ AIDV BALANCE : {$3400.00} DATE OPENED : XX/XX/XXXX I am victim of identity theft and have filled out the Identity Theft Victims Complaint and affidavit. I left my social lying around in my household countless times not knowing the power it upholds. I even had my car stolen before with my personal information inside when people were looting during the XXXX XXXX XXXX. Furthermore, even lost my cell phone with pictures of my SSN and photo of my government issued ID. I dont know exactly who is doing these things but somebody have been benefiting from using my personal information, which shows on my credit profile. I recently had to update my address, name and phone number with each bureaus because they have listed incorrect information, such as phone numbers Ive and never uses, names and addresses. I have already verified who I say I am. I am currently in the process of obtaining a new social security card because the one that I have is still being used by a person and businesses. I even had a XXXX XXXX XXXXXXXX Account opened up in my name that I never authorized or gave consent to do so. If a email wasnt sent to me I still wouldnt of known till this day that my personal information is still being used. XXXX is the most recent case of identity theft i am currently facing along with XXXX collections, derogatory marks and late payments on my credit profile which is all being disputing with all 3 bureaus.
Ive also emailed the CEO of XXXX XXXX Asking for removal or some type of validation of debt showing my original signature. Which their is none.
Upon speaking to the XXXX XXXX XXXX if the original creditor and they apparently sold these loans attached to my credit profile to XXXX. From doing extensive research. XXXX XXXX launched XXXX, the two companies function as distinct and separate entities. From recently checking my credit report Ive notice there are a bunch of late payments that I am unaware of.I never took any loan from XXXX and the loans reporting on my credit profile were not " solely '' used for qualified education expenses. The loans do not fall into the purview of 11 U.S.C. 523 ( a ) ( 8 ) ( B ), and therefore they do not fit the definition of 'non-dischargeable.
I know that these loans that is reporting on my credit is complete fraud and they took advantage of me, as well as facing issues with my identity. I Never authorized nor gave written consent to XXXX XXXX to sell any debt to XXXX, causing me to deal with this hardship along with everything else that I am fighting. Although XXXX XXXX launched XXXX, the XXXX companies function as distinct and separate entities. I am demanding infallible proof that I the alleged consumer does indeed owe this alleged debt. As of right now, XXXX is improperly trying to collect on an invalidated debt pursuant to 15 US Code 1692g ( a ) ( 4 ). Additionally, pursuant to 15 US Code 1692g ( c ), I the consumer has never admitted liability to any debt that XXXX is alleging that the consumer owes. Additionally, XXXX is in violation pursuant to 15 US Code 1692g ( a ) ( 5 ) because XXXX is not the original creditor. How did the XXXX acquire this alleged loan?
Pursuant to 15 US Code 1611 ( 1 ), XXXX must have solid proof that the consumer is the actual " borrower '' How can the consumer owe XXXX anything if I am a victim of Identity Theft and also know that XXXX XXXX and XXXX are two different companies. I am requesting verifiable of an original Consumer Contract with my signature on it, according to the law FCRA 609 ( a ) ( 1 ) ( A ). Since XXXX is acting as a 3rd party debt collector, this does not appear to be accurate.
Please see attachments
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| 08/10/2023 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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3-601. DISCHARGE AND EFFECT OF DISCHARGE.
Primary tabs ( a ) The obligation of a party to pay the instrument is discharged as stated in this Article or by an act or agreement with the party which would discharge an obligation to pay money under a simple contract.
( b ) Discharge of the obligation of a party is not effective against a person acquiring rights of a holder in due course of the instrument without notice of the discharge.
3-602. PAYMENT.
( a ) Subject to subsection ( b ), an instrument is paid to the extent payment is made ( i ) by or on behalf of a party obliged to pay the instrument, and ( ii ) to a person entitled to enforce the instrument. To the extent of the payment, the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under Section 3-306 by another person.
( b ) Subject to subsection ( e ) a note is paid to the extent payment is made by or on behalf of a party obliged to pay the note to a person that formerly was entitled to enforce the note only if at the time of the payment the party obliged to pay has not received adequate notification that the note has been transferred and that payment is to be made to the transferee. A notification is adequate only if it is signed by the transferor or the transferee ; reasonably identifies the transferred note ; and provides an address at which payments subsequently can be made. Upon request, a transferee shall seasonably furnish reasonable proof that the note has been transferred. Unless the transferee complies with the request, a payment to the person that formerly was entitled to enforce the note is effective for purposes of subsection ( c ) even if the party obliged to pay the note has received a notification under this paragraph.
( c ) Subject to subsection ( e ), to the extent of a payment under subsections ( a ) and ( b ), the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under Section 3-306 by another person.
( d ) Subject to subsection ( e ), a transferee, or any party that has acquired rights in the instrument directly or indirectly from a transferee, including any such party that has rights as a holder in due course, is deemed to have notice of any payment that is made under subsection ( b ) after the date that the note is transferred to the transferee but before the party obliged to
pay the note receives adequate notification of the transfer. ( e ) The obligation of a party to pay the instrument is not discharged under subsections ( a ) through ( d ) if : ( 1 ) a claim to the instrument under Section 3-306 is enforceable against the party receiving payment and ( i ) payment is made with knowledge by the payor that payment is prohibited by injunction or similar process of a court of competent jurisdiction, or ( ii ) in the case of an instrument other than a cashier 's check, teller 's check, or certified check, the party making payment accepted, from the person having a claim to the instrument, indemnity against loss resulting from refusal to pay the person entitled to enforce the instrument; or ( XXXX ) the person making payment knows that the instrument is a stolen instrument and pays a person it knows is in wrongful possession of the instrument.
( f ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record.
XXXX. TENDER OF PAYMENT.
Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
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| 04/25/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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The three problems given to select from did not accurately describe my issue. I had to choose this option although I am already in IDR program. I will explain further...
When entering XXXX XXXX University in XXXX, I explained to this institution and XXXX XXXX ( loan servicer at that time ) that I was on XXXX since XXXX for XXXX andXX/XX/XXXX, through the Social Security Administration, and receiving XXXX, XXXX, and public assistance benefits. To receive aid and return to higher ed, I agreed ( through promissory ) never to ask for forgiveness of debt due to XXXX. My education continued at XXXX XXXX with several loans ( all now consolidated into two - sub and unsub ) throughout XXXX. I was on my own, without assistance except from Vocational Rehabilitation, Social Security, the PASS program for XXXX individuals in college, and my own merits with scholarships. I went into great debt achieving my master 's degree, which I got with highest honors XX/XX/XXXX, at graduation. The current total I owe ( interest keeps exponentially increasing the debt ) is XXXX. I feel as if I am chained for life to this debt and there is no way to get out from under it. I am drowning in it!
From graduation, it took six months fighting for approval of my licensure with the XX/XX/XXXXProfessional Counselors Board ( because of my history when XX/XX/XXXX and in active XX/XX/XXXX, which I overcame when entering recovery in XXXX ). I received XXXX licensure XX/XX/XXXX and began my first career employment at XXXX XXXX XXXX XX/XX/XXXX. At this time, I was taken off of public assistance and eventually, XXXX and XXXX. I sought public service program for repayment yet could not get in because my employer was " for profit, '' I was informed by XXXX XXXX loan servicer agent. I was instructed to " stay in forbearance and IDR program '' because " it is in your best interest. '' I spoke with XXXX for annual renewal in XXXX ; for, my loan had been transferred to them due to issues with XXXX XXXX, informing XXXX that I was working and now earning a substantial salaried income as a therapist ( XXXX annual ). I wanted to begin repayment in my IDR program. I was informed that I was " in forbearance '' and " don't want to pay while in it because it will kick you out of the program. '' I worked at this employer from XX/XX/XXXX - XX/XX/XXXX, when I had a physical exhaustion breakdown and ended the job going back onto SSDI and public assistance once more. I was not eligible for XXXX any longer due to former employment income. The annual service loan recerts went on, and each annual review I was told the same thing ... " It is in your best interest to stay in forbearance.
I could not handle working in communal mental health and stay well myself ; therefore, I decided to open my own private practice and did so on XX/XX/XXXX. I did not begin earning income however, because we went into lockdown from the pandemic, and I could not see clientele. I got my XX/XX/XXXXXX/XX/XXXX and began working both in my private practice, XX/XX/XXXX, along with an online contracted position through XXXX XXXX on XX/XX/XXXX. I began receiving compensation for services I rendered beginning in XX/XX/XXXX.
Prior to this, I decided that I was getting nowhere fast but into increasing debt from interest, so I began making minimal payments into myXX/XX/XXXX account, against agents ' advice, on XX/XX/XXXX. I wanted to begin establishing some sort of payment history to begin resolving this debt that holds me back so gravely and effects my credit score horribly! I have been paying monthly minimally since this onset of payments.
Recently, my loan was again transferred due to XXXX unethical practices, to XX/XX/XXXX. I am now working with them and making minimal payments through them now.
I saw where IDR programs are now being investigated for the exact thing I have experienced... Being coerced into forbearance, misinformed about IDR, and kept in limbo while debt increases each day. Please help me. Thank you very much for listening!
I have been a public service agent on the front lines as a therapist since obtaining licensure in XXXX, and I have been a first aid responder in multiple local disasters ( pandemic, XXXX XXXX shooting, and XXXX tornado ).
I am again finding myself in a place of limitations due to XXXX, rising burnout, and with increasing medical issues. Thus, I have had to decrease workload exponentially. I am no longer salary in my positions and can provide tax info if needed. I am not sure how much longer I can keep working. I just need help with this debt please as it causes so muchXX/XX/XXXX and XX/XX/XXXX!
All my best, XXXX XXXX XXXX
|
| 10/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- 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 have been in contact with AidVantage since XX/XX/XXXX to discuss my federal student loans as payments start to resume. I enrolled in the SAVE program, which, as I understood, was supposed to be 5 % of my discretionary income. I am a poorly paid postdoc, my take-home pay is XXXX, my " raise '' this year was roughly 2.3 %, if I round up. However, since our rent increased by more than my raise, I'm basically taking a pay cut, my husband makes less than I do, he's a XXXX XXXX XXXX with a base salary of XXXX. When I completed the 'loan simulator ' on the Dept. of Education website, it gave me a payment estimate of approx. {$130.00} - XXXX. I can not afford this. In addition to my federal loans, which are all for my XXXX degree, I have 4 separate private loans that I had to take out to complete my XXXX degree. My final year and a half of XXXX occurred during the XXXX recession, and I was unable to qualify for federal loans. In total, I have {$42.00}, XXXX in private loans ; 3 of those loans are approaching interest rates with double digits. Throughout the pandemic, I had no choice but to continue making private loan payments. In XXXX, I took about a 30 % pay cut when I had to change jobs, and I was still making these private loan payments. I have no savings. I have a car payment, medical bills, rent ( which keeps increasing ), and some weeks I can not afford groceries. As of now, I pay {$440.00} a month for my private loans. According to AidVantage, my monthly payment is {$200.00}, which would bring my total monthly student loan amount to ~ {$650.00}, approximately 22 % of my monthly take-home salary of ~ {$2900.00}. That amount is NOT my discretionary income, which would be substantially lower after taking rent, car payments, medical expenses, private loan payments etc. into account. I explained ALL of this to the AidVantage representative I spoke with on XX/XX/XXXX, and she said I qualified for a decreased monthly payment of {$52.00}, which took a huge weight off my shoulders. However, when I received my first payment notice from AidVantage on XX/XX/XXXX, I saw the {$200.00} payment was still showing. On XX/XX/XXXX, I called AidVantage again and spoke to a new agent. He told me the previous representative I spoke to back in XXXX never completed my new payment application, so that's why my monthly payment was unchanged. I explained the same information I included above when I spoke to the first representative in XXXX. I reiterated that I could not afford an additional $ XXXX, and he immediately said, well if you can't pay, just go into forbearance. That was the ONLY option he offered. I WANT to pay my loans ( which at this point, I owe well over than the original loan ), I just need help with manageable payments, especially when my other loans have much higher interest/principal. I said I registered for the SAVE plan, but he said that wasn't what I registered for? To be honest, he was very evasive whenever I tried to ask questions or tried to clarify details. He told me I had to exit whatever my " current '' payment plan was, pay {$5.00}, and then my application for an income-based payment could be processed. He cited my new payment would be {$52.00}, which was consistent with what the first representative told me. He said it would take a few weeks, but I should hear something by XX/XX/XXXX, and if I did not hear something by XX/XX/XXXX, I should contact AidVantage. On XX/XX/XXXX at XXXX, I received an email from AidVantage saying " We can't honor your payment directions '', this message included information on consolidated loans. I called AidVantage again on XXXX and spoke to an agent, ( name redacted ) at XXXX. I explained my information again, and told him about the email I received this morning. He was incredibly dismissive and said No, Oh no, that doesn't mean anything. All it means is that it is still being processed. He assured me that my application was still in processing, but I should not expect to hear anything until XXXX, there's no way they would have an answer by XX/XX/XXXX. He told me to be patient and wait until XXXX, and to ignore the payment of XXXX that is currently showing as due in XX/XX/XXXX. At this point, I have received very different information from three separate AidVantage employees. They do not seem to grasp the concept of discretionary income. A decent chunk of my income HAS to go to rent, medical bills, car payments, and private student loans. That leaves very little with respect to my discretionary income.
|
| 10/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I was involved in XXXX XXXX XXXX as well as the XXXX one-time reset which discharged ALL of my student loans. Aidvantage retained {$35000.00} in funds from the Federal Government granted to me via the XXXX XXXX XXXX in XXXX of XXXX.
My loan servicer, Aidvantage, did not comply with the settlement agreement and no payments made to XXXX to this discharged loan were refunded to me.
Furthermore, the remaining loans were discharged via XXXX XXXX reset with an " effective date '' of XX/XX/XXXX. Federal mandate instructed Aidvantage to refund any payments made after this date to me as well. -no refunds were granted.
1 ) All credits granted by the Education Department from the Settlement Agreement within XXXX XXXX XXXX were " reversed '' or taken by Aidvantage. Any payments made to the Education Department for this discharged loan were supposed to be returned to the borrower. ( {$18000.00} in credits were retained by Aidvantage granted in lieu of interest charged to the discharged loan ) 2 ) XX/XX/XXXX : Instead a " new consolidated loan was created '' and all credits and payments granted by the department of Education in agreement with the XXXXXXXX XXXX XXXXXXXX case and previously made by me were applied to this loan instead of being returned to the borrower. Interest was also recalculated at this time.
3 ) These remaining loans were then discharged by The XXXX one time reset. The XXXX XXXX was supposed to be based on the original loans date that it entered repayment. Instead they used a consolidated loan date that was XXXX years later. All loans were supposed to be judged independently from when payment started and a refund for payments made after 20 years of the loans life ( effective date ) towards the loan refunded. This was not the case.
4 ) All funds and credits ( {$17000.00} ) after the listed " effective date '' of XXXX by the IDR were reversed by Aidvantage and no refund was received- again contradictory to Federal Mandate.
4a ) These funds were in response to delays by the Federal Government to offset interest charges - In a Federal Court. The Federal courts decisions can not be reversed by a corporate entity and all funds were granted after the effective date {$35000.00}. were granted to me, as class action member, to offset hardships and interest charges. Aidvantage retained all funds.
4b ) The credits from XXXX XXXX XXXX came in two phases. Phase 1 payments were directly applied to the remaining loan " before the effective date '' and reflected interest from the loan discharge by XXXXXXXX XXXX XXXXXXXX. No refund was given.
4c ) The second half of the credits from this case were applied after the IDR effective date. Aidvantage then applied a payment reversal then another payment- for the $ XXXX listed in the ledger history available for download -but no refund has been received and a zero balance exists on Aidvantages website.
5 ) {$19000.00} was paid in interest even though no interest payments were no due. They also did not show any calculations for Amortized interest and front the notion " Interest is calculated daily based off the current principal balance of the loan ''. Which it is not... Aidvantage hides the fact that interest is amortized in advance based on the " stated '' payoff plan of the borrower. AKA : two borrowers who both have XXXX loans - pay a different rate because one is paying off a loan that is amortized for 10 years. The other is paying of a loan Amortizing after 20 years. - No interest calculations were provided by Aidvantage- The FSA Obundsman office reviewed the case and agree with Aidvantage confirming a - {$17000.00} balance.
6 ) The Federal Student Aid Obundsman office also agree 'd with Aidvantages numbers and, I qoute, " we agree with the interest calculations based off of the {$41000.00} loan dispersed. Funny - Aidvantage loan interest calculation was based off of {$50000.00} initial disbursement and not the Daily principal balance- which was only {$25000.00} after payments and credits on the first day that I entered into repayment.
AKA : I paid interest on a {$50000.00} loan, amortized at 7 years. loan that was actually only {$25000.00}.
7 ) All interest was calculated off of the INITIAL LOAN AMOUNT - not daily balance. Resulting in an excess payment of : {$4800.00}
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| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I sent a debt validation notice to this company XX/XX/XXXX in reference to the 2 loans that are being reported to my credit and have not received anything from them yet. You are required by law ( 12 CFR Part 1016.4 ( a ) ( 2 ) to provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to consumers before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part. 12 CFR Part 1016.7 indicates you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 12 CFR 1016.9 indicates how OPT OUT notices are to be delivered and since I DID NOT and DO NOT agree to participate in anything electronically, it is unreasonable of you to expect that as a consumer, I would be able to receive your actual notice of your privacy policies and practices if you : ( i ) Only post a sign in your branch or office or generally publish advertisements of your privacy policies and practices ; or ( ii ) Send the notice via electronic mail to a consumer who does not obtain a financial product or service from you electronically ( 12 CFR 1016 ( b ) 2 ( i ) ( ii ). Pertaining to your OPT OUT notice, you provide is electronically on your website. Also, 12 CFR Part 1016.7 ( g ) also states that you must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. As of today, XX/XX/XXXX, I have not received a privacy notice or an opt out notice from DEPTEDU/Aidvantage. Per 12 CFR 1016.7 and FCRA and as a federally protected consumer, I am requesting to opt out of any and all authorizations reporting of my personal data to anyone without my prior written consent, immediately and permanently. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974. In addition, you are in violation of Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). This Federal law protects the privacy of my student education records. Upon initial signage of my privacy act documents, there were verbiage that stated, the school would not provide my financial records to any 3rd party company. Per 34 CFR 99.2, education records include but not limited to : Grades, transcripts, class lists, student course schedules, health records, student financial information ( at the postsecondary level ), and student discipline files. As previously stated, you are violation of 15 USC 6802- Gram-Leach-Billy Act ) communicated my nonpublic personal information to unaffiliated third parties without my consent and without giving me the opportunity to direct such information not to be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission. Once again, I DID NOT AND DO NOT CONSENT to you DEPT OF EDUCATION/AIDVANTAGE furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against you by filing a FEDERAL CASE against you and Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { { {$5000.00} } } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { { {$1000.00} } } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
|
| 03/04/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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|
Web |
Older American |
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I started XXXX XXXX in XXXX at the XXXX XXXX location in California. It was based on fraud to get me in, promising XXXX approval and Internship. On the last quarter the pilot class was informed neither would be coming. I filed with the Depart. of Educ. and they sent this : XX/XX/XXXX Borrower Defense Case : XXXX Dear XXXX XXXX XXXX : The Department of Education ( Department ) has approved your claim for discharge of your federal student loans under the borrower defense to repayment rules, 34 C.F.R. 685.206 ( c ) and/or 685.222. We have determined that you are entitled to a discharge of the loans associated with your enrollment in program ( s ) at IXXXX XXXX XXXX XXXX XXXX based on the school 's material misrepresentation ( s ) to you.
What does this mean for you?
If you have XXXX XXXX XXXX XXXX Direct Loans ( Direct Loans ), then 100 % of those that you received on or after XXXX for the program ( s ) of study related to your approved claim will be XXXX within the next 180 days.
A 100 % discharge means the entire remaining balance of those loans will be cancelled.
You do not owe any more money on those loans and will not have to make any more payments.
If those loans are in default, the Department will not continue any collections activity or garnishment of wages or offset your tax refunds or Social Security benefits.
Your loans will remain in forbearance or stopped collections status until the discharges are completed.
You do not have to take any additional steps to receive this relief.
What about payments I already made?
We are reviewing your eligibility for a refund, but please note that only some borrowers will receive a refund.
There are limited cases where borrowers XXXX be eligible for a refund of any prior payments made on the Direct Loans that are being XXXX.
The Department will provide you additional information if you are eligible for a refund.
You do not have to take any additional steps to receive a refund if you are eligible for XXXX.
Will all of my federal loans be XXXX?
The Department is determining whether you have other Federal non-Direct loans ( such as Federal Family Education Loans or XXXX Loans ) relating to your claim.
If you do have those other types of loans, they will also be eligible for full discharge, but you will have to take some additional steps to receive this relief.
If you have these eligible loans, we will send you more information about the actions that need to be taken for these loans to be XXXX. You do not have to take any additional steps unless and until we contact you again.
If we determine you do have these loans they will remain in forbearance or stopped collections status until you take any additional steps we tell you about and the discharges are completed.
This borrower defense to repayment discharge by the Department does not apply to private student loans. Therefore, nothing in this email applies to any private student loans that you XXXX have.
This email only applies to the federal student loans that you received for the programs of study related to your approved claim.
If you have questions about this notice, you can contact our borrower defense hotline at XXXX from XXXX a.m. to XXXX p.m. ET on Monday through Friday.
Sincerely, XXXX Department of Education XXXX XXXX XXXX XXXX ID : ref : XXXX : ref Federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX XXXX, XXXX, Washington XXXX XXXX XXXX StudentAid.gov/borrower-defense XXXX XXXX XXXX Mon XXXX XX/XX/XXXX, XXXX PM to me Send message on XX/XX/XXXX on forbearance and the discharge. Under Your case number is # XXXX.
But, to date I have not been informed anything else and keep getting notices the payments will start soon through a new company. I tried getting, after graduation in XXXX, XXXX to give a easier payment cause I could not afford what they wanted. They just kept placing me on forbearances and the interest went to over {$80000.00} in debt. Another company helped to re-lower it to {$42000.00}, and now I pay them each month also around {$39.00} a month. The interest is going back up and I am told they want over {$400.00} a month which I can not afford. I was told of this law suit and pray you can help.
|
| 02/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I Became a victim of identity theft a couple of years ago after that I see a lot of inaccurate and unauthorized items in my credit report. please remove these item which are not authorized by me. NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL * DEPT OF EDUCATION/ AIDVANTAGE XXXX XXXXXXXX I dont recognize this account in accordance with the fair credit reporting act XXXX, has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. YOU BROKE THE LAW!!! Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. negligent non- compliance 3. Civil liability 4. Mental anguish 5. Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n ) 6. Identity theft Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( I have the paper trail where you stated that you INVESTIGATED and verified this account however you committed another illegal act according to FCRA 15usc 1681a ( e ) the law states an investigation is only legally complete when you interview my family, associates, neighbors ) you did not do that. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. Provide the signed written consent of ( me ) consumer and you ( XXXX ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately.
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have filed multiple disputes about my credit report with XXXX over the last 120 days, however they have yet to remove any of the inaccurate & erroneous information from my report. Furthermore, I believe they did not conduct a proper investigation under the US Code definition. They have violated and continue to violate several consumer protection & privacy laws governed by the FCRA, FDCPA, & and Truth in Lending Act. The accounts listed below have several inaccuracies and have been improperly and fraudulently investigated by the XXXX. XXXX and XXXX have removed the below accounts however XXXX refuses to do so which directly violates my right to have all 3 credit reports contain the same information across the board. 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 623 - 15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
XXXX XXXX Information displayed on the report is inconsistent across all 3 agencies. XXXX XXXX has been deleted from XXXX due an investigation that resulted in incorrect information being reported and as a result I am requesting that XXXX delete XXXX XXXX from my report to reflect consistency across all 3 CRAs.
XXXX XXXX XXXX XXXX XXXX - Information displayed on the report is inconsistent across all 3 agencies. XXXX XXXX XXXX XXXX XXXX has been deleted from XXXX and XXXX due an investigation that resulted in incorrect information being reported and as a result I am requesting that XXXX delete XXXX XXXX XXXX XXXX XXXX from my report to reflect consistency across all 3 CRAs.
DEPT OF EDUCATION/AIDVANTAGE - Information displayed on the report is inconsistent across all 3 agencies. DEPT OF EDUCATION/AIDVANTAGE has been deleted from XXXX due an investigation that resulted in incorrect information being reported as well as the Family Education Rights and Privacy Act of 1974 ( FERPA 1974 ) and as a result I am requesting that XXXX delete DEPT OF EDUCATION/AIDVANTAGE as well from my report to reflect consistency across all 3 CRAs.
|
| 09/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
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Web |
|
|
My loan servicer was changed to aidvantage from XXXX when company became inactive. I really hope they have all my info correctly.
I was always on SAVE ( REPAYE ) since XXXX. That has never been changed. I do NOT intend to change this plan. Please make sure that this is correct. I can not even confirm this with the rep I talked over phone.
XX/XX/XXXX, I filed recertification with my XXXX tax income report. Recieved email from Aidvantahe. " Your application from studentloans.gov has arrived '' -- - no change XX/XX/XXXX, I really don't think I asked for PSLF info as I am not working, has not ever worked in PSLF qualifying position. -- - Assumed aidvantage would be busy to resume payments and this " mistake '' can happen. I decided to wait.
XX/XX/XXXX, aidvantage sent me email " change in repayment term ''. Apparently, this time, my loan payment has changed to standard 10 years program. I have never requested this change XX/XX/XXXXXXXX aidvantage sent me another email, " change in repayment term '' confirming the change to 10 years program. I have never requested to change.
XX/XX/XXXXXXXX I contacted aidvantage to clarification. I got an email from XXXX, loan servicing specialist. It says I am on SAVE plan. If I don't recertify by XX/XX/XXXX, I would be on standard repayment plan. However, my income shown is incorrect and my payment amount until XX/XX/XXXXXXXX is {$0.00}, which can not possibly be right -- -- okay, so this was just a warning?
XX/XX/XXXXXXXX I resubmitted my application to studentaid.gov thinking I made a mistake. Also, sent aidvantage my XXXX tax report to update my income.
XX/XX/XXXX, recieved a confirmation letter of receiving application from aidvantage.
XX/XX/XXXXXXXX Aidvantage sent me a letter of approval on loan repayment plan with correct amount of repayment. ( Same as shown on studentaid.gov ) XX/XX/XXXXXXXX aidvantage sent me invoice of correct repayment amount - I thought we got this corrected now XX/XX/XXXXXXXX Aidvantage sent me letter saying " borrower incentive program suspension notice '' -- -???????
XX/XX/XXXXXXXX aidvantage sent me email that they have not received my application -- this was sent on XXXX and XXXX.
XX/XX/XXXXXXXX sent aidvantage an email for clarification - no response XX/XX/XXXX, called aidvantage to correct the problem. The rep says that they did received the application. Because I sent the income document, somebody thought I was missing the application. Rep told me this was corrected and was updated. I SHOULD SEE CHANGE ON WEBSITE IN A COUPLE DAYS.
XX/XX/XXXXXXXX today ( day I am writing this ), I don't see any change! My original date of resuming payment due is XX/XX/XXXX. You should have this corrected 21 days before I make payments.
XX/XX/XXXX, I paid my originally quoted monthly payment amount ( shown on both aidvantage and studentaid ) that was given to me on XX/XX/XXXX.
I checked studentaid and aidvantage. Now, for whatever reason, both website shows that I am in forbearance, effective on XX/XX/XXXX. I have never requested for forbearance. I have never requested for {$0.00} payment. I have never made a single change to my REPAYE plan.
Both studentaid.gov and Aidvantage need to figure this out and reverse all changes that they have made without my knowledge on my loan. Put me back on the right repayment plan that I have never changed since XXXX. I understand that due to this historical pandemic event and resuming massive numbers of payment on massive numbers of borrowers can create this problem. I, as a borrower, do not want to lose qualifying payment history to this repaye/save program. I do not want to get penalized for something I have never done. I do not want to see {$0.00} payment because I SHOULD NOT HAVE {$0.00} PAYMENT! I sent my income info numerous times and application again. You have all the information from me. Please have these two agencies to correct this problem.
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| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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I am writing to formally file a complaint against XXXX Corporation. I recently became aware of serious allegations against XXXX regarding their student loan servicing practices. These allegations have been detailed in various reports and lawsuits, including those filed by the Consumer Financial Protection Bureau ( CFPB ), the attorneys general of Illinois and Washington state, and other entities.
I believe that my own experiences with Navient align with some of these allegations, particularly in relation to loan payments and difficulties in accessing lower repayment options.
Specifically, I have identified 16 late payments on my credit report for four loans that were previously serviced by Navient and are now under Aidvantage 's management. I have been in communication with Aidvantage regarding these late payments since XX/XX/XXXX, and while they have been responsive, I remain dissatisfied with the explanations provided.
Here is a timeline of events for your reference : On or around XX/XX/XXXX, I reviewed my credit report, as I do periodically, and noticed a total of 16 late payments being reported from four different student loans serviced by Aidvantage on all three credit bureaus. These late payments were reported from XX/XX/XXXX to XX/XX/XXXX. I was unaware of these late payments, prompting me to contact Aidvantage via email on XX/XX/XXXX [ see attachment 1 and 2 ].
On XX/XX/XXXX, Aidvantage responded to my email with a request to dispute all credit reporting issues with their Credit Bureau Management Team in writing [ see attachment 3 ].
On the same day, XX/XX/XXXX, I wrote a letter to Aidvantage 's Credit Bureau Management Team and sent it via regular mail. In this letter, I requested information about the late payments, with a particular emphasis on the forbearance status I had placed on these loans during the relevant time period [ see attachment 4 ].
On XX/XX/XXXX, Aidvantage sent a letter to me confirming that they had initiated an investigation into the matter [ see attachment 5 ].
On XX/XX/XXXX, Aidvantage communicated that they were still actively researching the issue [ see XXXX XXXX ].
On XX/XX/XXXX, Aidvantage provided additional information regarding my loan 's past due status. This included details about when my loans first fell past due ( XX/XX/XXXX ) and when they were subsequently made current via XXXX XXXX in XX/XX/XXXX. Additionally, Aidvantage included copies of 20 letters from Navient to me during that specific time frame. These letters consisted of statements of my account, notices of past-due status, and other essential correspondence. [ see attachment 7 ] On XX/XX/XXXX, I composed a letter to Aidvantage in which I explained that I had placed my loans on forbearance through the Navient website before my loans became delinquent. According to my records, this occurred around XX/XX/XXXX. I also clarified that I had not received any of the letters sent by Navient during that period, as none of them were delivered to my correct address. I attached proof of my change of address to the letter. Additionally, I informed Aidvantage that my identity had been stolen during this time period, resulting in missed letters and phone calls from creditors. [ see attachment 8 ] On XX/XX/XXXX, I received a letter from Aidvantage stating that they had concluded their investigation and determined that the reporting was accurate. They indicated that none of the late payments would be deleted. [ see attachment 9 ] Furthermore, upon reading about the allegations against Navient, I realized that I lacked a clear understanding of the differences between forbearance, income-driven repayment, and deferment options. Had I been properly informed by Navient, I would have made a more informed choice to prevent interest from accruing and potentially doubling my original principal loan amount.
|
| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
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Before making any calls to Aidvantage I searched the website for my desired information.
I was unable to find the information that was used to calculate my loan payments. I first attempted to get assistance with my loan provider on XX/XX/2023 by phone. My previous loan provider was XXXX and somewhere my loans were switched to Aidvantage. When my loans were owned by XXXX I had to recalculate my loans due to being furloughed by my employer prior to the loan being put on hold. I had talked to customer service representatives that assured me that once loans were started up again I would be given a reduced payment based on my unemployment. Fast forward to today. I called Adivantage to inquire about how my payment amount was derived. I was told by the representative that they " made up '' the amount I was billed and automatically with-drawled. I asked to receive the calculation method. I was not given any further information. Once I realized the lack of appropriate response I realized that I was going to need to put my requests in writing. I have done so with an email that was sent on XXXX. I failed to receive a response by XXXX so I wrote another email that I have copied and will paste to this letter.
This is a follow up due to lack of response following previous inquiry lack of response.
Dear Aidvantage representative, I recently called your customer assistance number to inquire about my recent autodraft. I asked about how my loan amount was calculated. I was rather shocked to hear the representative tell me that they just made up the amount I was to pay.
Prior to the COVID shutdown and the action taken by the government to hold student loan payments I was furloughed by my employer and requested a recalculation of my loans based on the fact that I had no income present. At this point my loan provider was XXXX. During this period my loan provider changed to Aidvantage. The understanding I had with them was that once loan payments were continued I would still be provided relief based on my unemployment and need for recalculation prior to the mass loan deferments.
I am interested in seeing the numbers used to calculate my loan payments. I believe this is something that I am entitled to but clearly wasnt provided when I inquired over the phone. I recently sent an email to Aidvantage but realized I had not kept a copy of my message for my personal records and unlike typical emails I was not left with a sent message in my outbox for my records.
I continue to struggle with payments due to infrequent income and would like to get better customer service than I was provided upon my initial call that required me to wait 53 minutes before speaking to a representative I have been waiting for a response to my email as they say most emails are returned in two days however others take longer. I was given a response on XX/XX/2023 that my inquiry had been received yet I have not been given a response to that email.
Sincerely, XXXX XXXX XXXX XXXX Below is a copy of the response I received from this inquiry Making a payment/My bill - XXXX - ref :! XXXX.! XXXX : ref Thank you for your inquiry.
Please do not reply to this email as it is an automatic response.
You can expect a response from one of our Customer Care Specialists within two business days. Some questions, however, may need further investigation to provide you with an appropriate answer.
For immediate assistance regarding COVID-19, such as recent updates and frequently asked questions, we encourage you to visit : https : //studentaid.gov/announcements-events/covid-19.
We want to assure you that Aidvantage is closely following developments in regard to the COVID-19 pandemic. Please know that we are working directly with the Federal Student Aid Loan Servicing to provide temporary relief programs to assist eligible customers
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 section 602 ( a ) states " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, and XXXX are credit agencies and I am the Consumer. It is my lawful right to make sure my information is kept private and is not shared. 15 USC 6801, which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information, '' supports my claim. XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and DEPTOF ED/XXXX are financial institutions by definition under this title. 15 USC 1681 section 604 ( a ) section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer repot under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. The financial institutions, XXXX XXXX XXXX XXXX XXXX, and DEPTOF ED/XXXX, along with the consumer reporting agencies, XXXX, XXXX, and XXXX, did not and do no have my consent to furnish this information nor did they have or do they have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and DEPTOF EDXXXX, whether it be written, implied, verbal, nonverbal or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic information personal information to a nonaffiliated third party unless -- - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and DEPTOF EDXXXX never informed me of my lawful right to exercise my nondisclosure option. Along with that, 15 USC 1681C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of he following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. On top of this, 20 USC 1232g ( b ), which is The Family Educational Rights and Privacy Act ( FERPA ), is a federal law enacted in 1974 that protects the privacy of student education records. XXXX XXXXXXXX XXXX, XXXX XXXX, and DEPTOF EDXXXX violated this law by sharing my educational records with credit reporting agencies. 5 USC 552 ( a ) ( b ), which is the Privacy Act of 1974, states " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record pertains ''. Again, these financial institutions and credit reporting agencies did not and do not have my written consent. 15 USC 1681s-2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 USC 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states " a consumer may exercise the right to opt out at any time ''. I am opting out of these reporting services.
|
| 06/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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|
Payment History of loan are inaccurate. Account XXXX doesnt have reported information but reported I was 90 days late without proof of previous months. Its XXXX missed payments but cant display with the acct was 30 days late. Loans show that they dont have any proof I was 90 days behind. This is hurting my payment history dramatically. Finacial charges are a sum of all charges but they reported on each loan as a late payment on all XXXX If information is unavailable then how can it report Im 90 days late without knowing the payment history in 2018 Also note that after a month of on time payments the next month on a few accounts shows Im 90 days late. Theres 30-31 days in a month. How can I be 90 days late after being on on time in the previous month.
I request proof that XXXX & XXXX properly investigated the accuracy of these accounts before furnishing them. Please provide evidence that an interview 15 U.S. Code 1681d - Disclosure of investigative consumer reports- ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).
( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ).
( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interviewed is the best possible source of the information.
|
| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/XXXX I pulled my consumer report. I noticed that an unauthorized alleged debt with the balance of {$66000.00} was placed on my consumer report from Aidvantage dated on XX/XX/XXXX. It also stated that the 'status ' was updated for XX/XX/XXXX and that the date of this alleged debt was opened XX/XX/XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( XXXX ), my authorization and consent of this alleged debt of {$66000.00}. Instead, they sent me an unknown document that appears to have fraudulent information regarding my personal information. The document appears to be written by someone other than myself, a fraudulent signature and inaccurate/misleading information. Within the document that Aidvantage sent through the Consumer Financial Protection Bureau portal, I see more than XXXX inaccurate information including the stamped date on the document that says XX/XX/XXXX ( how can this be if the alleged account was opened XX/XX/XXXX? ), my middle initial is missing from the first and last name portion, the wrong address in which is NOT my residence, misspelling of my employer, reference information ( I do not have a father XXXX XXXX whose address in is XXXX or a friend XXXX XXXX whose address is in XXXX ) and the most fraudulent activity of these inaccuracies a signature that is NOT mine. I ALWAYS sign with my middle initial. I do not know how this company has had access to my social security number.as I never given it to them and I do NOT sign my name is such way. In response to the complaint, there is no law stating that I have to file a police report, although I have credit locks on my consumer report. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. I present attachment ( XXXX ) of exhibit ( XXXX ) that shows XXXX XXXX of paper communication between a live person for the company Aidvantage and XXXX, a personal dated handwritten and my signature sample to compare my handwriting style to the fraudulent signature and handwriting on the enclosed alleged debt form from Aidvantage and other supporting documentation. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$66000.00} placed on my consumer report shows that I am not protected as a consumer from XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. I do not know where this alleged debt has come from, as it has not been listed on my consumer report before XX/XX/XXXX. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not send me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent hand written document which in turn makes their " verification '' investigation null and void. I will conclude that Aidvantage is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.
|
| 10/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
This service provider continues to state that I defaulted on this loan. They also state that I did not graduate from the school and was only enrolled part time. They continue to give these reason as to why I must repay this loan. THEIR STATEMENTS ARE NOT TRUE.
I have on numerous occasions requested both verbally and formally in writing for the service provider to send me confirmation of these statements. I HAVE REPEATEDLY ASKED THEM TO VALIDATE THE DEBT. Service provider has never sent confirmation of the debt or validation of the debt. Instead, the service provider continues to send me ENROLLMENT documents. Enrollment does not confirm any of the statements made by this service provider. In fact, the enrollment documents clearly show that I attended FULL TIME.
This service provider deleted XXXX of my student loans for this very same reason but flat refuses to delete this second loan currently listed on the closed school discharge list. Not only did I attend this school full time and graduate, but this services provider has also not validated this debt, neither did the previous service provider before the transfer. In fact, my prior service provider received numerous complaints for forcing students to repay student loan that they actually no longer owed.
I have never been able to get approved for a mortgage loan due to this false reporting. At XXXX, almost XXXX XXXX XXXX, I have only lived in an apartment. As an XXXX Veteran, I feel punished by this and all service providers that held this account. They have and still are robbing me of " the American dream '' of becoming a homeowner. Their false reporting and failure to validate this debt which appears on the closed school discharge list.
I'm at wits end. My last resort is completing yet another complaint through CFPB. If this complaint does not result in the validation of my graduation as a full-time student as it was previously recorded by the actual school that I attended, then this service provider must do the right thing and delete this account on the grounds that they have been unable to validate that I owe this debt.
Enrollment documentation does not confirm graduation. The State of Tennessee reflects that I not only completed the class within XXXX MONTHS, but this information alone would also confirm that I must have been a full-time student that graduated on time. Any other information reported by this service provider is false.
This debt is listed on the closed school discharge list. I graduated. I was a full-time student. I qualify for the deletion of this debt the same way the debt was deleted from several friends that attended this schools and graduated with me. Their debt was deleted shortly after the closed school discharge list was made public. Ther is absolutely no reason that this debt should not have been deleted from my account as well.
One final note : Since this service provider keeps telling me that their " records '' shows that I was enrolled part-time, I choosing to provide PROOF that there is NO WAY POSSIBLE that I could have only been enrolled part-time when I graduated only months after the proven enrollment date. I was immediately licensed upon XXXX. Therefore, I DO QUALIFY TO HAVE THIS DEBT DELETE FROM THEIR ACCOUNT because they ONLY reason I ever signed up for payment plans was because I routinely was threatened by every single service provider with wage garnishments. In fact, at XXXX point, my wages were garnished and as a result, I lost my job. This debt has followed me for years after the debt was no longer owed. I served my country but have treated like an animal simply for then choosing to take care of the people of this country. Unfair and unacceptable.
|
| 11/10/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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This company is acting as a debt collector, and I do not recall giving them permission to contact me ( which they have NOT ) But, under more scurinty they have placed this public debt on my records to bemlish and degrade my character as if I do not pay debts owed to me.
I request for admissions 1. The original wet blue ink contract with this?
2. Consent I have given to you to contact me and put this alleged debt on a public record?
3. where do private people have public debt?
4. What law says that private people are debtors 5. Do you operate under Title 12?
6.Title 12 U.S.C. Banks and Banking is not positive law, [ proof : United States Code : List of Positive Law TitlesTitle 12 Banks and Banking.
Not revised, codified and enacted into positive law.
7. The Federal Reserve Act, is chapter 6, of the SIXTY-THIRD CONGRESS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The # FederalReserveAct, is codified at 12 U.S. Code 226 - Federal Reserve Act implementing regulations listed as Title 12 C.F.R. 211 8. SEC. 24. ( a ) Any organization organized under the laws of any State and subject to inspection and regulation under the banking or similar laws of such State shall be eligible to become a member under this Act if- ( 1 ) it is organized solely for the purpose of supplying *credit to its # members ( 2 ) its membership ( A ) is confined exclusively to building and loan associations, savings and loan associations, cooperative banks, and homestead associations; or ( B ) is confined exclusively to savings banks; and ( 3 ) of the institutions to which its membership 9. Section 19 of the Federal Reserve Act, is codified at 12 U.S.C. 461.
10. Under section 19 ( a ) of the Federal Reserve Act ( 12 U.S.C. 461 ( a ) ), the Board is authorized to define the terms used in section 19, and to prescribe regulations to implement and prevent evasions of the requirements of that section12 C.F.R. 204.134 Linked time deposits and # transaction accounts.
11. Admit, 12 CFR 204. Regulation D is an - International # bankingfacilities.
12. Section 14. Of The Federal Reserve Act Open-Market Operations, restricted to Foreign CORPORATE correspondents and agencies was amended by the act of XXXX XXXX XXXX ( 39 Stat. 754 ), the cited authority to make real estate loans 13. Admit, Section 14. Of The Federal Reserve Act Open-Market Operations, codified as 12 USC 358. is restricted to Foreign corporate correspondents and agencies.. to open and maintain accounts in foreign countries, appoint correspondents, and establish agencies in such countries wheresoever it may be deemed best for the purpose of # purchasing, selling, and collecting bills of exchange,. to open and maintain banking accounts for such foreign correspondents or agencies, or for # foreignbanks or bankers, or for foreign states as defined in section 25 ( b ) of this Act.. As amended by acts XXXX XXXX XXXX XXXX ( 39 Stat. 754 ) I am a private living soul, discharged from my mother 's waters and I know private people can not have public debt, so there is nothing to. There's nothing to " discharge '' or to discharge with. This alleged debt, is causing an interference with my pursuit to enjoyment of livelihood refraining me from access to housing for my child, therefore interfering with my children 's well life and pursuit of happiness.
If by any chance you can not answer all questions, that would be deemed as incomplete, and result in admission and default to the solution offered. If unanswered I will move forward with the filings of a 42 USC XXXX suit.
WITH MUCH LOVE, WITHOUT RECOURSE WITHOUT PREJUDICE # 11USC109 # UCC3_603 # 12USC412 # UCC9_307h # 18USC8 # Art1sec8cl1 HJR192 SECURITIES ACT XXXX,
|
| 09/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I've been trying to get in touch with my student loan servicer ( Aidvantage ) since XXXX, to ensure I have all of the information needed to make an informed decision about my student loan payments starting back. I've reached out multiple times and received either no response back, or inaccurate/incomplete information. I've also been on hold many times attempting to get help and updates on my SAVE application, full disclosure of my loan details, and other important items I need to discuss with someone.
- I need full visibility into my capitalized total, interest accrued each month, my payment, and how much of my payment is made up of interest vs. how much goes towards my principle.
- I need some assistance and guidance on the SAVE plan. My current application and changes I made/need to make.
- I need help to better understand an announcement received from my servicer about capitalized interest Outreach Attempts : XX/XX/XXXX - I reached out via email regarding current payment plan, and asked for specifications of plan. Partial answer received from servicer. They only sent me the name of my plan and the monthly payment schedule/amount.
XX/XX/XXXX - XXXX I reached out again to gain specifics into my loan such as capitalized total, monthly interest that collects on each loan, amount of my payment that goes towards interest, and the amount that goes towards my principle. I received an email back letting me know that my paperwork on my loan would be mailed out - but never received the paperwork.
XXXX I called on the provided number to get assistance with the loan outlines that I'd never received in the main, and also ask some questions about applying for the SAVE plan. I was put on hold for a pretty long time and no estimated wait time. I eventually had to abort the call due to not being able to get in touch with anyone to help me. I went ahead an applied for the SAVE program via my servicer website.
XX/XX/XXXX - I submitted an email requesting a copy of my SAVE application, and to verify that my submission was in fact received by my servicer. No response was received.
XXXX I received a blanket/automatic notification regarding capitalized interest on my account. I tried to call again to speak with someone to better understand what the notice meant. My efforts were without success. I never could reach anyone on the phone.
XXXX I submitted an email requesting verification of submission, and a copy of my XXXX application. No response was received.
XX/XX/XXXX - I received an automatic notification letting me know my IDR had been approved with the payment amount - but no additional loan details.
XXXX I submitted an email request asking for a copy of the IDR application I submitted, because I had questions about the IDR email I had received on the XXXX. No response or received as of yet.
XXXX I realized that I did not properly enter my AGI on my first application ( I added total income by accident instead ), so I attempted to resubmit with the correct information via the servicer website.
XXXX I attempted to call my servicer again on this date regarding the change I made to my SAVE application, to again request full disclosure of my loan details, and to better understand the capitalized interest notification that I'd received. I was on hold with the loan servicer for XXXX minutes before the system automatically told me " goodbye '' and hung up on me.
I just need some transparency into my loan, my plan ( and application ), and the capitalized interest announcement that they recently made and how it effects me as a borrower- so that I can make informed financial choices to ensure my loans are in good standing and remain as such.
|
| 10/16/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Maximus dba Aidvantage continue to report a debt not owed. Maximus did not loan any money for this alleged debt and is just a servicer that HOLDS the loan for the bank. XXXX XXXX is securitizing my consumer report for Maximus Inc which means they have a financial interest in reporting the consumer account.
d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.
NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
433.3 Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ). ( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses.
( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1.
( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended.
( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit.
( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract.servicer ( 2 ) Servicer The term servicer means the person responsible for servicing of a loan ( including the person who makes or holds a loan if such person also services the loan ). The term does not include ( A ) the Federal Deposit Insurance Corporation or the Resolution Trust Corporation, in connection with assets acquired, assigned, sold, or transferred pursuant to section 1823 ( c ) of this title or as receiver or conservator of an insured depository institution ; and ( B ) the Government National Mortgage Association, the Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation, the Resolution Trust Corporation, or the Federal Deposit Insurance Corporation, in any case in which the assignment, sale, or transfer of the servicing of the mortgage loan is preceded by ( i ) termination of the contract for servicing the loan for cause ; ( ii ) commencement of proceedings for bankruptcy of the servicer ; or ( iii ) commencement of proceedings by the Federal Deposit Insurance Corporation or the Resolution Trust Corporation for conservatorship or receivership of the servicer ( or an entity by which the servicer is owned or controlled ).
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| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/XXXX I pulled my consumer report. I noticed that an unauthorized alleged debt with the balance of {$66000.00} was placed on my consumer report from Aidvantage dated on XX/XX/XXXX. It also stated that the 'status ' was updated for XX/XX/XXXX and that the date of this alleged debt was opened XX/XX/XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$66000.00}. Instead, they sent me an unknown document that appears to have fraudulent information regarding my personal information. The document appears to be written by someone other than myself, a fraudulent signature and inaccurate/misleading information. Within the document that Aidvantage sent through the Consumer Financial Protection Bureau portal, I see more than five inaccurate information including the stamped date on the document that says XX/XX/XXXX ( how can this be if the alleged account was opened XX/XX/XXXX? ), my middle initial is missing from the first and last name portion, the wrong address in which is NOT my residence, misspelling of my employer, reference information ( I do not have a father XXXX XXXX whose address in is CA or a friend XXXX XXXX whose address is in Illinois ) and the most fraudulent activity of these inaccuracies a signature that is NOT mine. I ALWAYS sign with my middle initial. I do not know how this company has had access to my social security number.as I never given it to them and I do NOT sign my name is such way. In response to the complaint, there is no law stating that I have to file a police report, although I have credit locks on my consumer report. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. I present attachment ( s ) of exhibit ( s ) that shows a trail of paper communication between a live person for the company Aidvantage and XXXX, a personal dated handwritten and my signature sample to compare my handwriting style to the fraudulent signature and handwriting on the enclosed alleged debt form from Aidvantage and other supporting documentation. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$66000.00} placed on my consumer report shows that I am not protected as a consumer from XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not send me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent hand written document which in turn makes their " verification '' investigation null and void. I will conclude that Aidvantage is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.
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| 10/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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At the end of XX/XX/XXXX ( approximately XX/XX/XXXX or XX/XX/XXXX ), I completed the application through studentaid.gov to switch my student loans from their previous payment plan to the new XXXX plan, as I was very interested in the proposed reduction in percentage of discretionary income upon which payments are based from 10 % to 5 % in XXXX or XXXX of XXXX ( can't remember which, not important ). My understanding is that the payment I was expecting to pay ( resuming in XX/XX/XXXX, approximately $ XXXX ) would be reduced next year to reflect the reduction mentioned above. I'm fine with those numbers and was expecting to pay that amount monthly. The payments stretch my family 's resources, but it's manageable. After completing the application, I received emails indicating the process was happening as expected. On XX/XX/XXXX, I received an email from XXXX of my servicers, XXXX ( I have XXXX, XXXX and AidVantage ), saying my application was received. " Great, '' I thought. The process is going smoothly. Then, on XX/XX/XXXX, I received an email from AidVantage saying that my monthly statement is ready. The information in that email also appeared correct, including the payment date and the amount I had expected to pay. Again, I thought, " excellent. This is working correctly. '' That's when things started to become strange. On Saturday XX/XX/XXXX ( no one working at the company and no way to talk to a person until Monday ), I received XXXX ( XXXX ) separate emails from AidVantage with the subject " Change in Loan Terms. '' Upon closer inspection and significant time spent trying to cross reference information from my account on the AidVantage website, I learned that my payment schedule was set to increase from the expected {$680.00} per month to well over {$2000.00} per month after only 3 months. There is absolutely no way I can afford that! I was led to believe that the XXXX plan would be a fairly fixed payment amount until the next income recertification date. In my research, I also learned that my loans were placed in a forebearance ( with interest being applied ) and that my first payment would not be due until XX/XX/XXXX! This was unacceptable, as I had already received information from the loan servicer to the contrary! I had not requested a forebearance. I had not requested a different payment amount! This was ( is ) very confusing and upsetting. The following week, I called AidVantage, waited on hold for XXXX hour and XXXX minutes. The representative I spoke with was incompetent. They incorrectly described key terminology ; I had to correct their understanding of basic terms, including deferment and forebearance. When I requested clarification regarding the change in loan terms, neither they nor their supervisor ( which they placed me on another long hold in order to consult ) were helpful. They basically said, " that's the way it is, and you can re-submit income information at the time the payments increase after 3 months. '' That is not how I understood this XXXX plan process to work! I already did that when I submitted the application in XXXX! When I last looked on my AidVantage account online, the area in which it shows my next payment was essentially blank, indicating I have no payment due, as if something is processing. That, at least, is mildly reassuring, as it indicates processes XXXX be happening in the background. However, I have still not received any information from AidVantage about whether the previous change in loan terms is correct, or that I should be expecting some new, yet to be determined/released information about my payment schedule. Please help!
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| 10/31/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I submitted a refund request from my original loan servicer, XXXX XXXX, on XX/XX/XXXX. After calling for two months with no helpful timelines or updates or any information about my account at all, I get told on XX/XX/XXXX that my refund request was approved through XXXX XXXX and that it is waiting on the Department of Education for the actual refund to go through, which I was told should take 4-6 weeks from the original approval date, which was XX/XX/XXXX, which would mean I'd have my refund within the next two weeks if that was to be believed. Low and behold, two days later, I call again on XXXX XXXXnd am told my loans got transferred to Aidvantage along with my refund request. My original CFPB complaint to the company had a response that blew me off saying that they no longer service loans and that I was transferred to Aidvantage. I assumed this meant I had a balance again and waited patiently to get information from Aidvantage about logging into my account to see a balance and refund. I called Aidvantage on XX/XX/XXXX after getting zero information in the mail or via email from either servicer. I'm told that my account isn't even visible by either company until MID XXXX. First off, if I hadn't called XXXX XXXX, I would have had zero idea my account had even been transferred. Right off the bat terrible customer service. Second, they WAITED TWO MONTHS TO TRANSFER MY LOANS after I had submitted the request. I waited two entire months for zero progress because of their incompetency. On top of that, when I called Aidvantage I was told that I would likely have to resubmit a request and it would be another 8-10 WEEKS for JUST THE APPROVAL of the refund, and then another 4-6 WEEKS for the ACTUAL REFUND from whenever they decide to get the loans transferred in XXXX. So now I'm looking at 12-16 WEEKS from XXXX to actually get a refund. THAT MEANS THAT IT'LL TAKE ME 8 MONTHS TO GET A REFUND ON MY PAYMENTS. I PAID MORE THAN THE REFUND AMOUNT IN THAT AMOUNT OF TIME. THIS IS ABSOLUTLEY RIDICULOUS CUSTOMER SERVICE. Not only is the wait ridiculous, it is now costing me money. Since I can't apply for the debt relief until I have a balance, I'll get the refund way past the startup of payments again. Meaning because of these two company 's incompetence and just utter inefficiency, I WILL HAVE TO PAY INTEREST THAT I SHOULD'VE NEVER HAD TO PAY JUST TO GET MY DEBT RELIEF AMOUNT. When I brought all of this up to the Aidvantage representative, including the fact that I was told my refund request was also transferred, I was told " in that case maybe the refund is still processing. '' Which means there is also a chance I will get a balance reinstated to my account that is currently with neither loan servicer fully, that I can't view or access, without my knowledge, as the deadline to start payment looms closer. That fact alone has me very close to contacting my lawyer about this and take legal action against both companies, because at that point it's endangering my financial standing if there's a chance I have an open loan that I can't view or access. I've never seen such ridiculous and utter lack of customer service, transparency, and urgency. I want to be able to access my account and have my refund BY THE END OF XXXX, which even at that point is BEYOND RIDICULOUS, and if these two companies can't figure out how to get that done, than I will be contacting my lawyer to make sure I'm not responsible for paying interest once my balance is reinstated, because I WILL NOT be providing these companies ANY MONEY because they can't figure out how to function. This is UNNACCEPTABLE.
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| 02/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
Servicemember |
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I am a registered nurse in repayment for my Federal student loans. On XX/XX/22 I attempted to make an extra {$500.00} payment through my servicer, AidVantage. I used my XXXX XXXX XXXX XXXX check card. Before the payment could finish processing, my wallet was stolen, and I froze this card. In response, AidVantage took it upon itself to request the funds from an older checking account that I had used in the past and neglected to remove from my profile. This account was with XXXXXXXX XXXX. Unfortunately, I had let this account dwindle until only {$2.00} remained, and had all but forgotten about it. I quickly realized what had happened, and called AidVantage in an attempt to intercept the transfer, and was told to contact the bank directly, which I did. XXXXXXXX XXXX informed me that AidVantage had in fact requested a stop transfer, but then had immediately initiated a second request for the funds, and this was successfully processed. AidVantage has never acknowledged this second request. Nevertheless, XXXXXXXX XXXX deducted {$500.00} + {$38.00} overdraft fee from my account, leaving it {$530.00} in the hole. I immediately deposited {$530.00} into my XXXXXXXX XXXX account from my XXXX XXXX XXXX XXXX Account, and contacted AidVantage by phone and written correspondence to confirm the payment and determine how it would be processed. AidVantage gave me different responses, depending on the day and who I was talking to. Sometimes they acknowledged the error and would tell me a check had been cut and mailed. Sometimes they would tell me that no payment would be credited or refunded, because I had stopped payment. When I contacted XXXXXXXX XXXX for proof of the XXXX transaction, they furnished me with a trace number and an account statement. The only transaction on my account statement is the {$500.00} deduction by AidVantage. I shared these documents with AidVantage in XXXX, and was told, in writing, that they had been received and would be investigated. I was told they would be investigated more than half a dozen times in XXXX and XXXX, and every time the conclusion they reached was the same - because you stopped payment, there would be no refund or credit. When I have asked for a response to the evidence of the trace number, they have ignored me, and continued to respond that because I stopped payment, no payment would be credited or refunded. All of this was happening while I was working away from my home as a traveling nurse, so when I returned home in late XXXX, I visited a XXXXXXXX XXXX branch in my town and explained the situation to them. With the help of a bank manager, we called AidVantage and inquired about the transaction and were told a refund would be coming, but would take 12 to 14 weeks. So, I waited. Then, after 14 weeks, I called again. This time the story reverted back to the old you stopped payment, so no credit or refund is owed. When I bring up the detail of the trace number and account statement, I am asked to provide these documents a second time, and promised that they will be used to investigate the matter. I provided the documents. Today, XX/XX/22, I received yet another reiteration of the tires response that because I called and stopped payment, no payment occurred. There is no response to the documented trace number or account statement. I am at wits end, and would like assistance in sorting this matter out. I am currently out {$1000.00} for my attempt to accelerate my debt repayment. To resolve this issue, I would like AidVantage to provide me a refund, and if possible, I would like to be appointed a different loan processor.
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| 03/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have disputed these issues multiple times with aidvantage through XXXX and through CFPB, yet the information the company is submitting as proof that the loans were on default is not a complete report or investigation. As I have stated in previous complaints the late payments were no longer reported after my loans were consolidated in XXXX as the payment history became Non-defaulted after XXXX was paid in full which they were the originators of my loans. When aidvantage became the lenders of those old records they began to report late payments on my transunion report.
I have attached a pdf document I acquired from the US Department of Education, National student Loan Data System 's website as follows https : //nsldsfap.ed.gov/ which holds all information about my student loans.
When I disputed the payment history, I asked for aidvantage to submit documentation supporting they had conducted a thorough investigation with the US Department of Education and not documentation with the company 's letter head ( aidvantage or Navient ) stating that my account was late because my consolidation application and approval were submitted directly to the US Department of Education and not XXXX so XXXX will not and does not hold further documentation to assist aidvantage in their through investigation.
Per the Fair Credit Reporting Act enacted in 1970, '' 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] '' aidvantage failed to conduct a reasonable investigation as they did not look beyond the documents they al ready have on file to determine if the dispute I am submitting can be verified through Federal Student Aid.
I have attached part of the FCRA Laws bellow.
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
The appropriate reporting should be as followed. Non-defaulted, Paid In Full Through Consolidation Loan. There should be no payment history reported at all.
I have attached to this dispute a screenshot of how XXXX is reporting the student loans, a pdf that includes my personally identifiable information along with the college I attended, the student loan status of all loans disbursed, payment history, years the loans were disbursed and consolidations throughout the life of my student loans among other things. I was only able to submit copy of the loans involved in the dispute because file exceeds size requirements. XXXX does not report the payment history per Federal Student Aid request which was updated in XXXX shortly after the loans were consolidated. Since the loans have been closed and are currently reported on my credit through my new provider XXXX, aidvantage is negatively reporting the same loans that are currently in my credit report and are not following Federal Student Aid regulations and protocol.
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| 12/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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On XX/XX/XXXX, I submitted the following complaint to studentaid.gov : My loans have been forgiven via the PSLF program ( thank you ) ; I received notification of this via letter dated XXXX XX/XX/XXXX. I spoke with a loan service rep supervisor on XXXX XX/XX/XXXX, and requested a refund for the payments i'd made on my loan since XXXX. At that time she said she'd submitted the request and i should receive the refund within 150 days ( per subsequent email and phone conversations, this was verified ). I did receive a refund for the payments made in XXXX, XXXX, & XXXX, after my loan was sold from XXXX to the next loan servicer, but i never received a refund for the payments made from XX/XX/XXXXXXXX thru XX/XX/XXXX, and when I called to inquire today, was told i won't receive a refund for these payments. It is my understanding that if i had not made any payments at all between XX/XX/XXXX and the time when my loan was forgiven thru the PSLF program, all those months would still have counted toward my total 120mos of service & payment, and that amount, too, would have been forgiven. If needed, i can provide evidence of the payments made between XXXX thru XXXX ( printed from the AidVantage website ), as well as the letter from fedloan dated XXXX XX/XX/XXXXXXXX notifying me that my loans have been forgiven. I reviewed the information about suspended payments & repayments provided by your website; it seems my understanding is correct : If you have Direct Loans that are not in default [ I have never been in default on my loans ], and work full-time for a qualifying employer during the payment suspension [ I have worked as a XXXX employee at XXXX XXXX, XXXX since XXXX ], you can earn credit toward XXXX and XXXX as if you continued to make regular monthly payments. You can think of them as {$0.00} payments. The only thing you need to do is submit the PSLF and TEPSLF Certification and Application ( PSLF form ) to get qualifying payment credit. Refunds You can get a refund for any payments you make during the payment pause ( XX/XX/XXXX, through XXXX XXXX, XXXX ). Even if you get a refund, that month still counts toward PSLF, as long as all other qualifications are met. Just call your servicer to ask for a refund. [ I made monthly payments of {$720.00} XXXX XXXX, & XXXX XXXX - XX/XX/XXXX of this time period ] There is some confusion about who owned my loans at the time of discharge. My servicer had been XXXX Aidvantage ; shortly before my loans were discharged, I received notice that they'd been sold to XXXX XXXX However, XXXX has no record of receiving my loans. I also saw on the website at that time that the sale was canceled because my loans were being discharged. I received a notice ( online ) from Aidvantage dated XX/XX/XXXX that Based on conversation with one of our representatives on XX/XX/XXXX, a refund request was submitted on that date for {$13000.00}. '' I still have not received that refund.
I contacted SEN XXXX XXXX 's office to request assistance, with multiple communications in XXXX, but ultimately their response was that I needed to contact my loan servicer for assistance ( which I'd already tried to do, as explained above ).
At present, per the studentaid.gov website, I have two complaints open -- the one referred to above, opened on XX/XX/XXXX, Feedback Case # XXXX, which is " in review '', and another, Feedback Case # XXXX, which I just submitted on XX/XX/XXXX, which is " pending. '' There was another submitted on XX/XX/XXXX, Feedback Case # XXXX, which was closed without any comment.
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| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XXXX I applied for the student loan Borrower Defense to repayment. This year, XX/XX/XXXX I received a letter from the XXXX Department of Education stating that my loan application for the Borrower Defense was approved and that my loans would be discharged and balances updated with the three major credit bureaus so that the tradelines would be deleted. When I originally spoke to someone with the Department of Education. I was told that it could take up to XXXX months. Between XXXX XXXX XXXX XXXX I spoke with agents for the loan servicer, Aidvantage, who told me that my case was being worked on and that I my accounts would be discharge by XXXX. Also, representatives with the Department of Education told me on several phone calls that if my account was not XXXX by the end of XXXX then my payments would be put into a deferment or forbearance and I would not see an interest accrual on the front end and that no payments would be due. I don't know exactly what " front-end '' meant, but that is what I was told. Furthermore on the Department of Education XXXX website it plainly and clearly states that federal subsized loans that have been put into deferment will not accrue interest.
By the end of XXXX, According to the credit bureaus Aidvantage XXXX XXXX XXXX XXXX my loan accounts on XX/XX/XXXX. Interest was charged and of course the balance increased on all XXXX student loans increased. This is negatively impacting my XXXX XXXX. The increase in the loan balances caused by XXXX XXXX to decrease and the existing of the loan balances and tradelines themselves continues to negatively impact my debt to income ratio and ability to obtain credit. This will continue until to cause me hardship because we have been told not to pay on the loans since they are awaiting discharge. Since XX/XX/XXXX, the credit bureaus updated each loan amount and list each loan as being in deferment.
I have tried several times to reach out to Aidvantage and since the summer they have long wait times. I was waiting for over XXXX hours that last time I called. The customer service advocate at Aidvantage who is assigned to my case responds with very vague answers. She never answers the questions that I ask in my emails sent to her. This what I received today on XX/XX/XXXX. Neither the Aidvantage nor the XXXX. of XXXX. sent me a letter or email prior to XX/XX/XXXX, before updating my accounts and the added interest to my loans explaining the forbearance or deferment and how it would affect my credit.
an email reply from XX/XX/XXXX after I sent her an email.
[ " Dear XXXX XXXX : This letter is in response to the recent inquiry you sent to us regarding your student loan account.
Your XXXX XXXX to XXXX XXXX is processing. XXXX timeframes have been adjusted and at this time we do not have a set completion date for the processing on your account. Based on Federal Student Aid ( FSA ) Guidance an Administrative Forbearance has been placed on your loans until processing is completed.
Interest will accrue on U.S. Department of Education ( ED ) owned student loans daily.
The only period in which interest was waived was XX/XX/XXXX until XX/XX/XXXX as a result of the XXXX XXXX and its extensions. Interest accrual is valid and will continue until your discharge processing is complete.
We thank you for your patience and understanding in these changing circumstances.
You are welcome to call me at XXXX XXXX with any questions you XXXX have.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Problem with your payment plan
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Web |
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Initially submitted consolidation loan request on XX/XX/XXXX selecting XXXX repayment option with AidVantage as my servicer. The new consolidation loan disbursed XX/XX/XXXX however the loan repayment plan loaded as Standard/Level with a forbearance status showing a repayment due date in XXXX. Upon reviewing this odd future dated due date, called AidVantage Customer Service on XX/XX/XXXX and was advised the due date was pushed out and XXXX application not processed because of XXXX XXXX to Repayment application ( submitted in XX/XX/XXXX ). The representative advised she would request removal of the forbearance for the XXXX XXXX case so I could enter repayment and XXXX application be completed. Was quoted monthly payment of approximately {$40.00}. I had also emailed customer service with AidVantage writing out in full the incorrect payment plan and again stating I wanted to forfeit any forbearance and enter repayment. Received email response on XX/XX/XXXX confirming request was successfully sent to have forbearance removed and that my XXXX application would be processed within XXXX days. I waited with no changes or updates and submitted a separate new XXXX application on XXXX website, ensuring I granted full access to IRS information XXXX XXXX. Received email acknowledgment of application XXXX. On XX/XX/XXXX I received email from AidVantage customer service saying XXXX application could not be processed due to the XXXX XXXX claim. Instructions in email said if wanting to continue to have application processed to get credit for payments toward forgiveness to Contact Us. So, I sent in an email requesting, again, that I be removed from forbearance so I could have my repayment application processed and be put in XXXX XXXX. I noticed my due date was updated on website to show XXXX and XXXX of XXXX, but I still reflected Level/Standard repayment with $ XXXX monthly payment. Reached out via email and received response on XX/XX/XXXX explaining I was in admin forbearance while my application was being finalized. On XX/XX/XXXX I logged in and website now showed repayment date back to XXXX. Reached out to customer service via phone and was told Department of Ed placed XXXX XXXX forbearance back on account and was told only Dept of Ed could remove this status. I contacted XXXX XXXX XXXX and requested to simply close out my claim/application to take them out of the process that was hindering my XXXX application process. On XX/XX/XXXX my case was closed and a STOP Forbearance request was sent to AidVantage. I waited until XX/XX/XXXX when no change was updated so called customer service again that day after reaching out to XXXX XXXX XXXX who confirmed via email notice was sent on XX/XX/XXXX to AidVantage and that if servicer did not update then I needed to submit formal complaint. During call with customer service on XX/XX/XXXX was promised that this was being escalated and the XXXX XXXX XXXX would resolve issue. On XXXX I received email letter dated XXXX again saying XXXX application could not be processed due to XXXX XXXX case. I have emails saved, case numbers and screenshots to verify all this information. I have no open borrower defense case and am being denied to apply for XXXX and enter repayment, all while missing months toward forgiveness and over {$2000.00} in interest accruing. I also called AidVantage customer service on XX/XX/XXXX and was promised a return phone call from a customer advocate which did not happen. This is my last resort for help. Thank you.
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| 10/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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Hello, I am filing a complaint against aidvantage, my student loan service provider.
I applied for SAVE, using studentaid.gov on XX/XX/2023. The application form stated my SAVE repayment would approximately be {$730.00} dollars over the amoritization period of the repayment plan. My application was cancelled without any form of communication on XX/XX/2023 as they were unable to ascertain proof of income. My wife and I file our taxes jointly, and they were somehow able to pull my information from the IRS but not my wife. I was sent a notification to provide proof of income, not that my SAVE IDR application was cancelled. I provided proof of income on XXXX XXXX I called XX/XX/XXXX ( the week prior leading to labor day ). Aidvantage only then informed me of cancellation of my application on the phone after a XXXX hour hold. I then was told an incorrect amount over the phone when attempting to do an application by phone ( that my payment would even be higher ( {$1500.00} ) than the base repayment of ( {$1200.00} ) somehow with the base repayment plan ). I then on the same phone call went on the studentaid.gov website and re-applied using the studentaid.gov tool, which returned the correct amount. was told by the phone representative to submit that application online since it reflected the correct amount. was told the application would take XXXX weeks to process.
I called to check in on XX/XX/XXXX, after a surprisingly short hold and was told application was still in process, told to call back later.
I called on XX/XX/2023 after receiving an email update that there was an update to my loan repayment. It stated the standard repayment plan was active on all loans, at $ XXXX, which is not what I signed up for. I called Aidvantage again and the representative informed me it was being prepped administratively and would not affect my forebearance, they were still processing the SAVE IDR application. Application would take XXXX days now instead of previous quote on XX/XX/XXXX.
Called Aidvantage on XXXX XXXX to inquire status of application. Aidvantage told me its still in processing and moved the goalpost now to XXXX days for applications.
Called Aidvantage on XXXX XXXX to inquire status of application. Aidvantage told me its still in processing and moved the goalpost now to XXXX days for applications.
Called Aidvantage on XXXX XXXX to inquire status of application. Aidvantage told me its still in processing taking XXXX days for applications. stated my application has been processing over that time, rep would not escalate the call nor had any further information.
Decided to give Aidvantage time to process applications since they were incurring high volumes of applications.
Called Aidvantage on XXXX XXXX to inquire status of application. Aidvantage told me its still in processing and moved the goalpost again now to XXXX days for applications.
It's been XXXX days since the time of writing this that I applied to an IDR plan to use SAVE using studentaid.gov, for aidvantage, and now XXXX days since having to reapply due to the negligence of Aidvantage in communication and due diligence for providing timely service of my application, and has become a delinquent party in terms of servicing my loan, which I have no intention of repaying unless Aidvantage can properly process and grant my SAVE repayment plan, and will pay my student loans in escrow if they can not process it by the end of my forebearance ( XXXX days ) for my first due date ( XX/XX/XXXX ).
|
| 10/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
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Good morning, I reached out to Aidvantage to take advantage of the new presidential student loan program repaye/save that promised to lower students payments based on their income. I reached out to my servicer in ample time prior to the due date of repayment to ensure that my payment would reflect the new amount and savings. I spoke with XXXX XXXX in XXXX on XX/XX/XXXX who set me up with Repaye after I provided him my XXXX XXXX. After going through the required questions and providing him with the information he needed he confirmed that my new replayment amount would be XXXX with a due date effective XX/XX/XXXX. He explained that I would be required to recertify in XX/XX/XXXX. I agreed! He explained that the changes would take a moment to take affect but would show online soon. Shortly after our conversation, I received an email from Aidvantage on XX/XX/XXXX after our conversation saying, " we have confirmed your IDR and the amount confirmed was XXXX. '' I was confused as that was not the amount we discussed under the new plan that was my previous repayment amount showing nothing had changed. I reached back out to Aidvantage on XX/XX/XXXX and spoke to another representative who reconfirmed that I was enrolled in the new repaye program for XXXX but that the changes had not taken affect. She explained that I was not obligated to make that payment of XXXX. I continued to check my account for changes and did not see any changes take affect. On XX/XX/XXXX I sent an email to Aidvantage online via the website help form inquiring about changes and why I was unable to see the new presidential plan amount reflected on my account. I also reached out to Aidvantage via telephone on XX/XX/XXXX and spoke with XXXX XXXX who explained she saw notes in the system showing that I signed up for Repay but that the representative failed to inform me that I was required to make at least one payment on my current idr plan before switching. Totally frustrated, I inquired about the next steps and was informed it was not a problem, she could take a payment of {$5.00} that would satisfy this payment and that I was still enrolled in repaye/save with an effective payment due of XXXX on XX/XX/XXXX. She explained because I enrolled prior to the XX/XX/XXXX recertification date I was fine and that she would expedite processing. She explained that I would not see changes until closer to my due date of XX/XX/XXXX. I ended the call with this representative feeling confident everything was set up for repayment in time for the pause discontinuation. I checked my account on XXXX and did not notice any changes so I sent Aidvantage another email online just to be sure and attempted to call but the line continued to disconnect. To date I have not heard back. I checked my account on XX/XX/XXXX and noticed that my account payment due was XXXX and that there was a pending forbearance which I did not request. Thoroughly confused at this point I am not sure what to do. I received an email this morning stating that my loan terms had changed, my forbearance was ending ( which I never requested ) and my payment due was XXXX. I feel completed scammed and misinformed by Aidvantage. I feel fully taken advantage of by them and this is not acceptable. Students want accurate information. We were informed by our president that there were new options available to us and we can't even trust that our servicers will enroll us as requested. Please advise.
Thank you XXXX
|
| 01/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
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This complaint is regarding student loan payments made to XXXX, which was my loan servicer during the pandemic. I made payments to pay down my student loan balance through XXXX servicer from XX/XX/XXXX to XX/XX/XXXX, which falls under the payment pause period and allows me to be eligible for a refund of these payments.
On XX/XX/XXXX I spoke with a XXXX representative, XXXX - XXXX ID XXXX, and was confirmed that my payments made during the payment pause period would be refunded to me. I was notified that it could take up to 4 months to receive a refund through either a paper check or directly to my account that was used to pay. I was notified that I would receive a refund in the amount of {$4300.00} - the total amount for all the payments I had made during the payment pause period.
The following notes all the payments I made to XXXX towards my federal student loans during XX/XX/XXXX until XX/XX/XXXX- including confirmation numbers received for each payment Payment Amount : {$210.00} Payment Date : XX/XX/XXXX Checking/Savings Account : XXXX Confirmation Number : XXXX XX/XX/XXXX {$100.00} XXXX Bank Account Payment Amount : {$190.00} Payment Date : XX/XX/XXXX Checking/Savings Account : XXXX Confirmation Number : XXXX Payment Amount : {$190.00} Payment Date : XX/XX/XXXX Checking/Savings Account : XXXX Confirmation Number : XXXX Payment Amount : {$200.00} Payment Date : XX/XX/XXXX Checking/Savings Account : XXXX Confirmation Number : XXXX XX/XX/XXXX {$200.00} XXXX Payment Amount : {$200.00} Payment Date : XX/XX/XXXX Checking/Savings Account : XXXX Confirmation Number : XXXX Payment Amount : {$200.00} Payment Date : XX/XX/XXXX Checking/Savings Account : XXXX Confirmation Number : XXXX Payment Amount : {$200.00} Payment Date : XX/XX/XXXX Checking/Savings Account : XXXX Confirmation Number : XXXX Payment Amount : {$190.00} Payment Date : XX/XX/XXXX Checking/Savings Account : XXXX Confirmation Number : XXXX Payment Amount : {$200.00} Payment Date : XX/XX/XXXX Checking/Savings Account : XXXX Confirmation Number : XXXX XX/XX/XXXX {$200.00} XXXX Payment Amount : {$200.00} Payment Date : XX/XX/XXXX Checking/Savings Account : XXXX Confirmation Number : XXXX XX/XX/XXXX {$200.00} XXXX Payment Amount : {$200.00} Payment Date : XX/XX/XXXX Checking/Savings Account : XXXX Confirmation Number : XXXX XX/XX/XXXX {$200.00} XXXX Payment Amount : {$200.00} Payment Date : XX/XX/XXXX Checking/Savings Account : XXXX Confirmation Number : XXXX XX/XX/XXXX {$200.00} XXXX XX/XX/XXXX {$200.00} XXXX XX/XX/XXXX {$200.00} XXXX Payment Amount : {$200.00} Payment Date : XX/XX/XXXX Checking/Savings Account : XXXX Confirmation Number : XXXX Payment Amount : {$200.00} Payment Date : XX/XX/XXXX Checking/Savings Account : XXXX Confirmation Number : XXXX XXXX Payments Total {$4300.00} to XXXX I have also attached the email confirmations I received from XXXX for each payment made as well as bank statements showing the amount withdrawn from my account for payments.
At this point, I have not received a refund through either a check or directly to my bank account. I have also not received any additional communication from XXXX regarding confirmation or what step in the process my refund is in.
I have also tried to contact XXXX customer service at this number ( XXXX ) XXXX but their number is no longer in service and am unable to reach a representative.
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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This is in response to the closed complaint : XXXX by AIDVANTAGE on the alleged debt of {$66000.00} for account number XXXX. After pulling my consumer report on XX/XX/XXXX, I noticed an unauthorized alleged debt with the balance of {$66000.00} was placed on my consumer report from Aidvantage dated on XX/XX/XXXX. It also stated that the 'status ' was updated for XX/XX/XXXX and that the date of this alleged debt was opened XX/XX/XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$66000.00}. Instead, they sent me an unknown document that appears to have fraudulent information regarding my personal information. The document appears to be written by someone other than myself, a fraudulent signature and inaccurate/misleading information. This company states that I must submit a Loan Discharge Application : Forgery to an open investigation for an account that DOES NOT belong to me. It is unethical to do such matter for an alleged debt and an unvalidated account that does not belong to me. I am harmed by this company AIDVANTAGE and more so anxious of their meaningless investigation. This company abrasively states that this student loan debt belongs to me, as it does NOT belong to me. I see more than five inaccurate information including the stamped date on the document that says XX/XX/XXXX ( how can this be if the alleged account was opened XX/XX/XXXX? ), my middle initial is missing from the first and last name portion, the wrong address in which is NOT my residence, misspelling of my employer, reference information ( I do not have a father XXXX XXXX whose address in is CA or a friend XXXX XXXX whose address is in Illinois ) and the most fraudulent activity of these inaccuracies a signature that is NOT mine. I ALWAYS sign with my middle initial. I do not know how this company has had access to my social security number.as I never given it to them. This alleged debt has just appeared on my consumer report in XXXX of XXXX. My consumer right as a natural person state that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, ONCE again, this company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent handwritten document which in turn makes their " verification '' investigation null and void. I will be seeking legal action against AIDVANTAGE for violation of my consumer protection rights. AIDVANTAGE has still yet to produce documentation that states I have consent of this alleged debt, a photocopy of identification, wet ink signature, thumb print, video footage and/or witnesses to actively prove this alleged account/debt belongs to me. It appears that this company is willfully defaming my character and abusing my rights as a natural born consumer.
|
| 09/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
I'm reaching out regarding my borrower 's defense -case # XXXX. My case was approved for discharge for my federal student loans through the Department of Education for my enrollment at XXXX XXXX. I received a letter from XXXX XXXX regarding the charge-off for my loan accounts XXXX through XXXX and XXXX through XXXX. However, those loan ID 's ( account numbers ) have all been consolidated to loans # XXXX and XXXX with end date of XX/XX/XXXX -- which is then consolidated to loans # XXXX & XXXX with repayment start date of the same date of the loan # XXXX & XXXX end date XX/XX/XXXX. Your letter stated the student loans for XXXX XXXX will be discharged, but I feel you are not applying the discharge to the correct file. My Borrower 's Defense Discharge approval is for my federal student loans for XXXX XXXX, in relation to the class action lawsuit " Borrowers Defense Case Under Exhibit C of the Sweet v. XXXX Settlement ''. Please review my file and apply the discharge to all outstanding federal student loan for XXXX XXXX originated from Department of Education, as I do not believe I am required to make a payment. I have contacted the Federal Student Aid and was told that my file should continue to be in forbearance until my borrowers defense discharge is complete as the Federal Student Aid website still shows it is still pending completion of discharge. However, I have been on the phone for the past 3 weeks in trying to resolve this payment demand I keep getting from Aid Vantage. My last contact to Aid Vantage was XX/XX/XXXX with no resolution and was informed by the rep. that I did not qualify for a forbearance or deferrment ( thank goodness dept. of education was able to update my file w/ the forbearance until this is resolved ) because my Borrower 's Defense Discharge has been completed and all loans applicable were updated. Currently, I am showing a decrease in my credit report and am not able to get any type of financing to fix my primary residence because the storm in XXXX flooded my patio and backyard. I advised Aidvantage that I will contact department of education and was told " Good Luck '' and that if I did not make a payment in XXXX, I will be reported as late payment. I can not afford to have my credit affected by something that is not my fault. I received a call today from XXXX, from Federal Student Aid to file a complaint as it was confirmed that my servicer processed my loan discharged in XX/XX/XXXX incorrectly. XXXX XXXX at XXXX, the servicer should have canceled all of the consolidation loans as the loans were validated that they were for XXXX XXXX, including all consolidated loans.I received a letter from Aidvantage that they would discharge my loans related to my borrowers defense discharge case communicated to me by department of education. I followed up with Aidvantage XX/XX/XXXX as I was receiving payment demand letters via email as reminders almost daily. It has caused me so much stress and XXXX because I am completely confused and am in desperate need of these repairs to my house.
A fair and ethical outcome would be for Aid Vantage to expedite my discharge for all of my student loan, including the consolidated loan # XXXX & XXXX as they did not discharge based off of my approval for borrowers defense discharge for enrollment at XXXX.
|
| 12/02/2022 |
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 |
|
|
In XXXX when I obtained my credit reports from all 3 credit bureaus, I noticed there were 4 late payments that were reported on the XXXX XXXXXXXX XXXX I obtained for my son in XXXXXXXX to continue schooling at XXXX XXXXXXXX XXXX in XXXX, Maryland. My account has been in forbearance since the loan was opened in XXXX. There were no payment arrangements made, nor did I know of any payment amounts that were due monthly since my account was still in forbearance. The original loan was from XXXX which had been transferred to AidVantage. I called XXXX and spoke with XXXX and XXXX ( they both said they could not give me their last name. Both said " I was correct '' and that " I was never late '' because my account was in forbearance. I asked if they could contact the credit bureaus and have them " delete '' the 4 late payments and they said they would have another department handle. Months later, I received my credit reports again from all 3 credit bureaus and the lates remained on my credit reports. I starting disputing the late payments with all 3 credit bureaus and after all of their investigations, the late payments still remain. In XXXX, I called AidVantage and spoke with XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. After speaking with XXXX, she agreed and said looking at my account from XXXX and what they sent AidVantage, I " was never late '' and that my account had been and still is in forbearance. I asked her if she could send me a letter, on AidVantage letterhead, stating what she saw and said to me, that " I had never been late '' so I could send the letter to all 3 credit bureaus so I could get the late payments deleted from my credit reports. I also asked if she could email me the letter so I could get it fast and not through the slow mail. She said she would and that I should receive it in 24 hrs. so I gave her my email address. After several days of not receiving it, I called AidVantage to speak with XXXX and was not transferred to her, so when I asked for her again, I was immediately transferred to XXXX, a supervisor. XXXX advised me that XXXX would not be sending me a letter because she was not allowed to send such a letter. When I asked XXXX for the letter, she said no letter would be sent because I was late. I had to explain all over again that I had not been late, that my account was and has been in forbearance since XXXX and that I was never notified of payments that would be starting and also, what the monthly payments would be. She refused to contact the credit bureaus and have them delete the 4 late payments. I started disputing the late payments on my credit reports over and over again and I asked them to please have AidVantage send them to show " what the monthly payments were '', " how many payments had I made '', and " when was I ever late ''. I mentioned to the credit bureaus that if AidVantage could not prove to them this information, to please " delete '' the late payments on my credit reports. The lat payments on my credits " are not accurate '' and should be " deleted ''.
They also said, on two occasions my account was taken out of forbearance and payments were to start. I explained to them that I was never contacted that my account was being taken out of forbearance and payments were to start, and that I did not know,
|
| 12/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I called Aidvantage on XX/XX/XXXX to request a refund for the money that I paid extra during the Covid Payment pause when I didnt have to make payments. During that conversation, I was told that XXXX researchers would have to look into the payments I had made to determine the refund amount. I told the person on the phone that I kept track of my loan payments and it was something to the amount of {$11000.00}. I wanted to make sure they found all the payments to get my full refund. The rep said she would trust me with that number and wrote it down. She said it would take XXXX weeks and I would get a note in my account or a letter stating that it was complete. I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to check on the progress because I had heard nothing and was assured each time that things were working as they should. I was even told on XX/XX/XXXX that I would hear something within the next week or so.
On XX/XX/XXXX, my loans were transferred to XXXX as part of the PSLF forgiveness plan. I called Aidvantage again on XX/XX/XXXX as I had heard nothing from them and was told that my request was submitted incorrectly on their end. I was told it was nothing I had done wrong but rather something an Aidvantage representative did. Furthermore, the rep reported to me that the date of the submitted incorrectly was XX/XX/XXXX. This means that the XXXX times I called between my refund request on XX/XX/XXXX and this call on XX/XX/XXXX that XXXX separate reps gave me false information regarding my refund request. I was on the phone with this rep and he went through all of my loans individually and found that I was due a refund in the amount of {$11000.00}. He said he talked with a supervisor who would approve it quickly.
On XX/XX/XXXX I called Aidvantage again and was told that the refund was approved by a XXXX that day ( XX/XX/XXXX ). I followed up again on XX/XX/XXXX and was told that on XXXX ( with no contact to me ) they determined they could only refund me for the loans that were not transferred to XXXX so my refund amount was lowered to {$10000.00}. Frustrated, I requested a supervisor who told me that I would have to call XXXX to request a refund for the remaining refund balance because XXXX now serviced my loans. I stated that if Aidvantage had not made the mistake on XX/XX/XXXX and had not given me false information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, then this would have been resolved before my loans were transferred to XXXX.
I asked if there was anything that would happen to rectify the situation if XXXX was unable to refund my loan overpayments and the supervisor at Aidvantage told me there was nothing they could do. I requested the phone call records I had made and/or a transcript of my calls to Aidvantage and was denied. The only thing they would be able to do would be listen to the calls and handle the situation internally. I commented that that did not help my situation and the supervisor agreed.
I called XXXX and they confirmed that they would not be able to refund the overpayment because the CARES act ended on XX/XX/XXXX and my request was now after that date. Due to Aidvantages negligence and falsehoods, I am out approximately {$1300.00} with, according to Aidvantage, no recourse.
|
| 08/04/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I've been struggling to consolidate my student loans due to unjust, untimely, and incorrect information given by Aid Advantage and they are refusing to cooperate to correct an erroneous denial of my consolidation loan.
I applied for a recent loan consolidation of my federal student loans in XX/XX/2022. On XX/XX/XXXX, AidAdvantage sent me a letter rejecting several XXXX XXXX XXXX for a reason code XXXX, which referred to an in-school status. Unfortunately, this was a clerical error on the part of XXXX XXXX. Once I got the letter and saw the clerical error of in-school status applied to some of my loans while others at Great Lakes were in the forbearance or grace status that allowed my consolidation since I waived the grace period on my application, I contacted XXXX XXXX to fix the clerical error. They fixed the wrong status on my loans. I immediately called AidAdvantage since the letter states I can simply call in my corrections or ask them to fix errors. This is very simply they need to repull the data about the set of rejected loans and fix my consolidation loan so it encompasses all of the loans.
After being assured by AidAdvantage over the phone that my loans would be sent to the department and a new summary statement would be mailed to me since I was in the 10 day correction window, the company then underhandedly didn't actually do what they told me on the recorded call.
They didn't send loans for any correction.
Today, XX/XX/2022 when I called in a new rep said they only see notes of the rep noting issues and no action done to solve them. As a result, they told me I'm screwed over since my loan was not fixed in the required window for correction. They said they would send an " urgent message '' to the department since the letter they sent me clearly said I could call or email corrections. As attached to this complaint, I also emailed in that they needed to make these fixes. The email the company provides bounces, yet they list it as a legit contact in their letter.
Since I can not manage to get a live human to do any work at this company, I'm now asking that the Attorney General 's office and the Department of Education in formal complaints to actually help get involved in this matter because this is not only unjust it robs me of qualifying for PSLF by the XXXX deadline.
Now the company is saying they can not say if or when or if ever I will get my loans consolidated in time to qualify for PSLF before the XXXX deadline. I am not allowed to apply for PSLF without the loans being consolidated and with Aid Advantage not having an operable email as they are ignoring my calls and ignoring my emails, I do not know what else to do to fix this matter. They keep giving me wrong or incomplete information and my loans are not being consolidated and are not being corrected despite their error and a clerical error that should have been easily clarified and fixed within the 10 day window.
Will you please assist in an expedited resolution of this urgent matter?
To resolve this, I want the company, AidVantage to : Consolidate all of their erroneously rejected loans with the status of XXXX from their XX/XX/XXXX letter with my other loans in my consolidation loan.
Issue a corrected summary statement showing the loans were combined.
|
| 12/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Immediately after Aidvantage replied to my first CFPB complaint and approved my IDR request for the SAVE plan on XX/XX/, I received another document from Aidvantage saying I'd been placed in Forbearance. I never requested forbearance. This new document saying I'm now in forbearance gives no explanation for the forbearance. Ive sent them additional messages through their website but have not received a response. All the while, interest is continuing to accrue on all of my loans.
Today, XX/XX/, I received a new correspondence from Aidvantage that says we need additional information to process your Income-Driven Repayment plan. We received proof of income without an application specifying what you were requesting. We are unable to process repayment options or postpone payments without a completed repayment option, deferment or forbearance request.
I havent submitted any kind of application to Aidvantage since they approved my IDR request for the SAVE plan and then put me into forbearance without any explanation. So I'm very confused by this latest correspondence. Why are they sending this correspondence without replying to my previous requests for information on why they put me into forbearance without explanation?
I haven't received any direct replies to any of the messages I've sent to them through their website. There's still no functionality on the Aidvantage website to view all of the messages and the documents that Ive sent them previously ( which would assist with filing these CFPB complaints. Is that why their website lacks basic functionality? ). I tried calling Aidvantage again and was on hold for more than an hour before giving up. No one should have to wait on hold for hours to get in contact with a loan servicer. It seems the only way to get a response from Aidvantage is to file a CFPB complaint. It seems Aidvantage is only bothering to support the CFPB, and not me and other customers. I'm extremely disappointed with Aidvantage. If they refuse to respond to questions sent by direct message through their website, and don't have any functionality on their website to view them, and only will respond via CFPB complaints, why are they allowed to waste consumers time all while interest accrues? Why are they allowed to service these student loans?
I have several questions I would like Advantage to answer directly : 1. Why is there no functionality on the Aidvantage website to allow customers to view the messages they have sent to Aidvantage?
2. Why did Aidvantage put my loans into forbearance immediate
ly after responding to my first CFPB complaint saying they had approved my IDR request for the SAVE plan?
3. Why is there still interest accruing on my account when youve placed me into forbearance, without explanation, that I didnt request?
4. Why does Aidvantage refuse to directly reply to my messages sent through their website? If they are short staffed, why don't they hire enough staff to reply to messages in a timely manner?
5. Why does Aidvantage only respond to CFPB complaints and not to messages sent directly to them through their website?
6. Why should Aidvantage be allowed to service my loans when they fail to process requests and messages, and put customers into unrequested forbearance without explanation?
|
| 11/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I applied to the new XXXX repayment plan on XX/XX/2023.
On XX/XX/XXXX, I received an email from Aidvantage that I should apply through their website to expedite the process. So on XX/XX/XXXX, I did that as well.
On XX/XX/XXXX, I received correspondence from Aidvantage saying I needed to call customer service to finalize changing my plan.
I called, at which point I was asked to apply yet again over the phone though the automated system. I waited XXXX minutes on hold, but had to hang out to do other things, so I wrote an email expressing my frustration that I had now applied 3 times and still my plan was not being updated. When I was free again, I called back, waiting on hold over an hour, and when I finally got ahold of someone, was told there was nothing additional that I needed to do. I just needed to give it time : 15 days if I applied through XXXX, or 30 days if applied through XXXX Despite the fact that those amounts of time had already passed, I was told to wait until XX/XX/XXXX and check to see that the change had been made. They also said they had no record of my original XX/XX/XXXX application, only the XX/XX/XXXX XXXX.
After that call, on the same day, I sent a follow up email expressing my frustration that they were not only missing the deadlines they gave me, but also had no record of my original application, and kept asking me to reapply.
On XX/XX/XXXX, my account still hadn't been updated to the new plan, an almost {$500.00} payment was due by XX/XX/XXXX, which the save plan should have reduced to {$0.00} based on my income. I called customer service once again, and waited again over an hour, and finally got ahold of someone who told me I needed to make a one-time payment for my application to get processed. I opted to make the {$5.00} payment, because obviously I can not afford a {$500.00} payment. The customer service person told me I needed to go on forbearance because they wouldn't be able to process my application before the next payment was due, but that my application WOULD be processed by the time the forbearance ended.
On XX/XX/XXXX & XXXX, I finally received responses to the emails that I sent on XX/XX/XXXX. Both emails disregarded my concerns and questions, and simply stated that everything had been handled and was on track for approval based on my XX/XX/XXXX call with customer service.
On XX/XX/XXXX, I realized the forbearance had ended and checked my account. It still had not been updated to the XXXX XXXX and I now have another almost {$500.00} payment due on XX/XX/XXXX. At this time, I tried to call customer service, and waited on hold over an hour before I gave up. I tried to chat a customer service representative, but the system bounced me out saying they were overloaded. I also emailed, but have not received any response. I have also filed a complaint through studentaid.gov and have not received any response.
It is now XX/XX/XXXX, and my payment plan has not been updated, I have not received any responses to my emails. I tried, yet again, to call Aidvantage customer service, and the automated response told me that call times were exceptionally long, and to visit XXXX about my repayment plan. I tried to chat someone as well, and again received a message that they were too overloaded.
|
| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hello, My student loan servicer, Aidvantage, has reported me late on my student loan payments to the credit bureaus due to incorrect enrollment information. I was enrolled from XXXX XXXX XXXX XXXX at XXXX XXXX University XXXX with no breaks and no withdrawals. A month after graduation in XXXX XXXX, they reported me 90 days late on payments for both of my student loans, 120 days late the following month, and 150 days late the month after.
They incorrectly applied the XXXX grace period for my loans. Over the phone, they told me that they applied the grace period from XX/XX/XXXX through XX/XX/XXXX, while I was still enrolled in classes. They say that XXXX XXXX reported me as " XXXX '' for the Fall XXXX semester, which is why they applied the grace period starting XX/XX/XXXX.
Ive sent two letters to Aidvantage requesting investigation, requested investigation twice through the online portal, and made several phone calls attempting to clarify the issue and seek resolution.
Aidvantage has denied my credit report retraction requests, stating that their information is correct, and they are going off whaXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has reported to the XXXX XXXX XXXX XXXX XXXX ( XXXX ). They say that my presentation of transcripts and official proof of enrollment from XXXX for Fall of XXXX is not sufficient for them to change reporting to the credit bureaus, and that I must reach out to XXXX to have the information corrected.
I sent one letter to Aidvantage in XXXX of XXXX, and another in XXXX of XXXX. I submitted the online requests around this timeframe as well. I also sent an email to Aidvantage containing my official proof of enrollment information for Fall XXXX. On XXXX, Aidvantage acknowledged that I XXXX enrolled for Fall XXXX, and adjusted my new beginning of repayment date to the correct date, XX/XX/XXXX. They changed my period of subsidized interest to reflect this new beginning of repayment date but did not change the delinquency status that they reported to the credit bureaus. On subsequent follow-up calls, they told me that they can not change the delinquency information because they are going off what XXXX has XXXX to the XXXX.
I have reached out to the XXXX XXXX XXXX XXXX and the XXXX Registrars office twice. The Registrars office tells me that they have my status as Enrolled for Fall XXXX, and that Financial Aid is responsible for reporting to the XXXX. After calling XXXX XXXX, they also say that they show my status as Enrolled for Fall XXXX and say that this is what they reported to the XXXX.
I have also initiated investigations through the XXXX website in an effort to get a third party involved, but there has been no success on this front yet.
I am stuck between the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Aidvantage with no resolution in sight. It is unclear what path to take forward. XXXX insists that they have reported the correct information and suggest that I send a proof of enrollment to Aidvantage. I sent the proof of enrollment to Aidvantage, but they say that this is insufficient to retract the delinquency marks on my credit report, and that the responsibility for correcting the error rests with XXXX.
Help resolving this issue is greatly appreciated.
Have a great day, XXXX
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| 07/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 11/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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After speaking to several experts about how to make sure I get the full benefit from the IDR adjustment, I decided it was in my best interest to consolidate all of my student loans.
The last communication I received from Aidvantage about upcoming payment due dates was from XX/XX/. It said I had two upcoming payments, one for {$120.00} and the other for {$180.00}. Both payments had a due date of XX/XX/. ( attached ) I received a letter in the mail about consolidation information dated XX/XX/XXXX giving me 10 days to review the information before the consolidation process begins, this letter included loan amounts.
On XX/XX/XXXX I received a troubling message in my Aidvantage inbox ( attached ) titled Loss of benefit. This message read : ... your loan credit has been retracted because you didnt make your first 12 Monthly Payments on time. When the loans listed below were disbursed, you were awarded the opportunity to receive a XXXX percent loan credit. This credit was based on the Original Principal loan balances, minus cancellations, refunds, and returned disbursements. Unfortunately, because you didnt meet this on-time payment requirement, the credit has been added back to your principal balance, increasing the amount you must repay.
It then listed four loans with disbursement dates from XXXXXXXX with an original principal balance totalling {$28000.00}. XXXX percent would come to {$140.00} This came as a total surprise to me and there are several troubling aspects.
First, I have never missed a payment on these loans. Second, over the years I have already paid thousands of dollars on these loans over the years.
I recently received a notification that my XXXX score tumbled. My fear is that Aidvantage reported the incorrect information to the credit reporting agencies that either included false information that I missed a payment, or adding back that {$140.00} back to my loans which triggered a tumble in my credit score. I am still looking into this and trying to figure out what happened. Im also worried that my new consolidation loan might be for the wrong amount.
I tried calling Advantage to learn as much as I can and encountered a few problems. Twice the call was simply interrupted by a survey and the call was dropped. This meant having to call multiple times, wait on hold, and bring each representative up to speed. Aidvantage said they had no payment history for my loans, and could not provide me with the original agreement for this opportunity to receive a XXXX percent loan credit.
One rep told me this was a servicer error and I should ignore the message. I agree this is a servicer error, but I cant simply ignore this if my credit report is impacted or my loan amount is wrong. Aidvantage told me there was nothing they could do to fix this error.
I am still researching the situation and might learn more information in the future, but I wanted file a complaint to document the problem with the information I currently have. When servicers cause these kinds of errors the burden falls on the borrower to fix them and it takes an extraordinary amount of time. Here I am spending half of a holiday trying to figure this out, document as much as I can, and file complaints.
|
| 12/19/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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I have experienced previous issues with Aid Advantage 's predecessor Navient and how we left off with major issues concerning outdated information, blantant fraud, neglience and mismanagment of my loans and the difficulty in receiving important documentation from Navient. This inflated inaccurate balance has since been transferred from Navient to Aid Advantage and I am also experiencing the same issues with collecting important information. I contacted Aid Advantage on XX/XX/XXXX and requested a detailed, itemized statement of each of the balances that made up my student loans and to date have not recieved the requested documentation. Below I have listed several major issues that Navient has failed to address and it was only after engaging a third party I was able receive the requested documentation for my loans. I need to know what was transferred from Navient to Aid Advantage considering these issues were never resolved and passed onto Aid Advantage.
- Several payments are not reflecting on the information Navient provided.
- The loans included in the XXXX consolidation are not only included in the consolidation but they are also listed individually as separate loans so these are being counted twice.
- The XXXX loan consolidation is completely fraudulent. None of the loans detailed in the XXXX consolidation reflect any loan taken by me nor do they even correspond with any of the loans previously listed on Navient 's XX/XX/XXXX statement. In XXXX, I had to engage the Department of Agriculture Trade and Consumer Protection just to recieve the details of this consolidation, after a year of requesting this informaiton from Navient. The original loan balances were altered and additional fraudulent loans were added which increased the balance and none of the consolidated loans reference any specific school.
- I previously communicated to Navient that many of the Master Promissory Notes that I did receive from NavienXXXX were fraudulent. The addresses listed did not accurately reflect my residence at that particular time.
- My loans were steered into administrative forbearance without consent several times and prior to recieving any of the requested information, Navient consistently try to assure me that the balance was correct and interest is what inflated my balance which is not a true statement.
- I am also confused by what is currently listed on the Aid Advantage 's website as all loans are now listed under University XXXX XXXX with a due date of XX/XX/XXXX. This is concerning because I did print a fraudulent Completed Entrance Counseling form that was listed under my account on the XXXX website on XX/XX/XXXX and it has since been removed from the site. The Completed Entrance Counseling form has my married name listed with an electronic signature of XX/XX/XXXX. I have only ever attended University XXXX XXXX for a brief time under my surname. I was not married until XX/XX/XXXX. I do believe the dates/times were manually manipulated on many of the documents pertaining to my loans.
- Loans from XXXX were not removed and are still included in loan balance ( withdrew ).
- Loan from University XXXX XXXX were not removed are still included in loan balance ( withdrew ).
|
| 10/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
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Web |
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My student loans were moved from XXXX to Aidvantage within the last year. The loans that I had through XXXX XXXX here have since forgiven and paid in full per the Department of Education Borrower Defense to Repayment. I have included a copy of the official email correspondence for reference. I have tried contacting Aidvantage several times and was only able to get through and speak to someone once. I was contacting them because even though they had confirmed that there was a XXXX balance on my account, they have still not reported this to the credit bureau. They confirmed that the payment was made earlier this year, as in around XXXX, so there has been plenty of time for them to report this to the credit bureaus. Additionally, I have filed disputes with all three credit bureaus and they all say that the " information is accurate per the loan servicer ''. This makes no sense as I am being told there is a XXXX balance, so why would this not be reported to the credit bureaus. Additionally, I have been locked out of my online account. This occurred prior to me contacting them and was another reason why I needed to as I could not login to verify anything for myself. I have the right to be able to access my account and do not understand WHY in the first place why I was even locked out. This isn't a simple password issue either, as my login and password are correct. When I do attempt to login, I get a screen that says my account has been disabled. I will include a screenshot below for reference. When I spoke to the representative initially, they told me this is temporary and would clear up within 24 hours. This was a lie as I am still locked out over a month later. This business is impossible to get ahold of and so shady. If they do not unlock my account and report my loan forgiveness/dismissal to the credit bureau I will be taking them to court.
Additionally, they sent an official letter containing personal information about me and my student loans to an address that I have never even resided at. My correct address is listed on the site and has been updated numerous times. Someone could have gotten their hands on my personal information and it is completely their fault that this happened.
And finally, I have been working with someone at the company named XXXX XXXX who continues to not respond to any calls or emails sent. When calling her directly I am sent straight to voicemail each time, and when I call the general number I am on hold for over an hour waiting. I have called numerous times throughout the day and this is the case each and every single time. She keeps promising to call at scheduled times and then when the day/time rolls around, she will send an email claiming that " something is wrong with their phone system '' or " technical difficulties ''. Then I don't hear from her for another 5 days, and this is only if I am calling her constantly and leaving messages or me or my daughter has emailed her. She is actively dodging assisting at all and I want her removed from the case. I demand to speak with her manager and be assigned to someone else who will actually do their XXXX job. I would hope she gets reprimanded for this because it is despicable behavior.
|
| 06/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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I applied for XXXX XXXX XXXX XXXX XX/XX/XXXX. I was originally with Aidvantage at the time and had my loans transferred to XXXX in XXXX of XXXX. I graduated from the XXXX XXXX XXXX in XX/XX/XXXX, started working in XX/XX/XXXX and have well over the 10 years ( XXXX ) of qualifying payments. One out of three loans were forgiven for XXXX XXXX. The loan forgiven had the smallest remaining balance ( well under {$1000.00} ) and dispersed on XX/XX/XXXX. The two remaining loans total over {$89000.00} and were dispersed XX/XX/XXXX. There are missing loan payments in one system from XXXX that have not been applied to the remaining two loans. I have employment verification for this time period and was not in any type of forbearance. These missing loan payments were counted for the small loan that was forgiven, so I'm not sure why it wouldn't have been counted for the other two loans. I have called XXXX and the Federal Student Aid Ombudsman multiple times to get the missing loan payments recounted since I am over the XXXX qualifying payments. I placed the initial call to XXXX regarding the discrepancy and missing payments on XX/XX/XXXX and was given a tracking number by a supervisor XXXX # XXXX ( tracking number XXXX ) who stated she could see the missing counts in her system and that she's not sure why the counts were not applied to all of the loans. She stated it would be 30 business days for resolution and she submitted for recount. I did not get any updated count information in 30 days, and called the ombudsman who stated I needed to call XXXX for it to be addressed. I called XXXX a second time XX/XX/XXXX and discussed it with another supervisor who stated she could see those missing payments were made and that the case had been assigned to someone for the recount, and to give it another 30 days. On XX/XX/XXXX I called and discussed it again with XXXX, and was told to give it more time. I tried the XXXX chat function on XX/XX/XXXX and she stated I had to call to get it escalated. I called XXXX XX/XX/XXXX and spoke to yet another person who spoke to supervisor XXXX -- was told it would be another 1-2 weeks and that the information has been submitted to the Federal Student Aide office for over-ride. I still have not heard any information regarding this, so I called yet again XX/XX/XXXX and spoke to XXXX ( Supervisor ) and then XXXX ( Supervisor ). I am now being told that they have been awaiting information from Aidvantage to confirm that these loans have been paid. It is now in a hold status since the end of XXXX because the files have yet to be received. This is now ongoing issue 14 months after I applied for forgiveness and four months since I submitted the complaint for missing payments and no response by Aidvantage for these counts. This is completely unacceptable and poor business. Even though my loans were transferred to XXXX, this still continues to be without resolution and is now being held up by Aidvantage. ARE YOU EVEN KIDDING ME? I find it very frustrating that people who applied WELL AFTER I did are having their loans forgiven in a few months. And yet, here I sit wasting hours of my time calling without any updated counts because of a poorly run business.
|
| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Codes 1681 and 1692.
DP OF EDUC XXXX DP OF EDUC XXXX DOE AIDV XXXX US DEPARTMENT OF EDUCATION XXXX US DEPARTMENT OF EDUCATION XXXX The U.S. DEPARTMENT OF EDUCATION and/or DP OF EDUC and/or DOE AIDV are reporting false and inaccurate data on my credit report. I sent letters to the U.S. DEPARTMENT OF EDUCATION requesting verification of information. I didn't receive a response. Also, the U.S. Department of Education has failed to send me a copy of any assignments of the promissory notes for the related loans. When I did not receive any communication back, I called the U.S. DEPARRTMENT OF EDUCATION to see if I could get answers. The representative confirmed that I did not have any student loans in collections. He said to check with the servicer ( XXXX XXXX ), just to confirm.
After speaking with a representative at XXXX XXXX ( who confirmed that I am in good standing, and have no collections ), they guided me to their website. I printed out ( multiple times over the past XXXX months ) my student loan account status. NO COLLECTIONS.
Furthermore, I circled back around to XXXX, XXXX, and XXXX. I have spoken with multiple representatives over the past few months. Each one, unable to resolve this issue. They never responded to my request for verification, but keep reporting. I know for sure that the name DP OF EDUC. This means the U.S. DEPARTMENT OF EDUCATION is in violation of 15 U.S. Code 1692e. False or misleading representations by furnishing false information on my credit report. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
Additionally, under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law.
The 15 U.S. Code 1681 sect 602 ( A ) I have a right to privacy. Section 604 ( A ) A consumer reporting agency can not furnish an account without my written instruction.
Lastly, 15 U.S. Code 1681c ( a ) No consumer reporting agency may make any consumer report containing any of the following items of information : 5. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Please cease and desist all credit reporting and collection activity. You are in clear violation of the FDCPA ; and have failed to address my specific requests.
That is, I am requesting that you delete any and all reporting made to any consumer reporting agencies.
|
| 02/03/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I am writing to you regarding my Federal Student Loan taken from XXXX University in XXXX. With the misleading and unfair practices, while I was still on Welfare low income program in California ; XXXX University mislead me to take out over {$100000.00} Federal and private student loans from XXXX XXXX ( XXXX ) and XXXX University to fund for my Undergraduate Degree. Also, they knew I was on Welfare and did not work at the times, they still approve this large amount of student loan for me; knowing that I will not be able to pay them back.
Being a young parents, I wanted to get a quality higher education for myself so I can provide a better life for my family and me. Even after graduating in XXXX ; I have sacrificed financially and emotionally to pay off my Federal Perkins Loan over {$6000.00} but with interests, my Federal and private loans is over {$100000.00} today.
Back in XXXX, I have filed a Student Borrower Defense Application # XXXX and even to today ; XX/XX/XXXX ; I have not heard back from the XXXX XXXX XXXX Department about the status of my application. I have documents and transcripts included with the application to show that I should be eligible for Cancellation/Discharge of all my student loans from XXXX University XXXX Addition to that, my application # XXXX is not showing up on my end of their system now, when I log in to check the status of it. Is there a way that you can follow up on my application for me?
In addition, with much respect to the hard works you and the other 38 Attorney Generals has done regarding the XXXX lawsuit ; this settlement is very unfair to me that the loan must be in charge-off status as of XX/XX/XXXX, and delinquent on payments. My federal loans have been on forbearance since XXXX, when I tried to call XXXX XXXX ( XXXX ) to get some supports and help with my loan. All these years, I am still waiting on the XXXX XXXX XXXX Department on my application, and I feel that I should be one of the students that XXXX should Discharge/Cancel all my student loans due to how my loans were granted at the times.
I have done everything, that I can as a student and a parent to have a better life but with the compound interests and loans on my credit reports. This has put me in a financial hardship and set back in my life due to big corporation like XXXX, that has misled me to take out so much student loans, while on Welfare ; knowing that I can-not ever afford to ever pay it back.
To sum up, I want you to fix provision to the XXXX lawsuit so that all students should be eligible for the XXXX Cancellation/Discharge regardless of the payment status. This is very unfair to me, and the loan should be written off, if it was a predatory loan or whatever. It shouldnt be written off based on someone who pay or didnt pay. And the XXXX Discharge/Cancellation should be based on the qualifications of the loans themselves and how the loans were granted.
I want to thank you for your times and understanding of my situation and millions of other students that are in disparate needs of this support from you.
Thank you very much, XXXX XXXX
|
| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT 20 USC 1232g ( b ) The debt in this matter has been cancelled and aside from that I did not give this company authorization to sell or share my personal information with third party creditors or agencies. According to the fair credit reporting Act 15 USC 1681 section 602 ( a ). It states that " there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, and respect for the consumer 's right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " it is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information Aidvantage/Navient is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to who it relates. Aidvantage/Navient the financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX and XXXX. Aidvantage/Navient rather it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Aidvantage/Navient never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S code 1681s-2 ( A ) ( I ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency shall maintain reasonable cause to believe that the information is inaccurate. 15 U.S code 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designs to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX do not maintain reasonable procedures. Also 12 CFR 1016.7 States that " A consumer may exercise the right to opt out at any time '' I am opting out of your reporting services.
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Please produce a signature where i contracted with aidvantage.
If there is a rebuttal to this, please provide a certified, written statement signed wet-ink by a principal or agent under the penalty of perjury of the United States evidencing a valid contract signed by both parties.
15 U.S. Code 1681s2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I, XXXX XXXX, as a person believe that information is inaccurate, and until Maximus Inc dba Aidvantage can produce 1 ) a certifed statement with a wet-ink signature stating that the IRS form 1099c copy B is not proof of discharge and 2 ) a certified statement with both signatures by both parties XXXX XXXX and Aidvantage evidencing a valid contract.
The company states the loans have not been discharged. I request a full transaction report according to GAAP, public and private, giving valid proof of this claim.
The 1099c document provided is NOT an attempt or claim make PAYMENT, but rather proof from that the debt has been discharged. As documented on the ACCEPTED IRS form, you received this form because a federal government agency or applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed.. There is no mention of me requesting this info to be accepted as a valid form of payment, there can be no valid form of lawful payment made, when in fact the debt has been discharged ( CANCELED OR FORGIVEN ).
15 U.S. Code 1681b - Permissible purposes of consumer reports : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give this authorization, that is a violation of the Fair Credit Reporting Act. Privacy Act of 1974 ( 5 U.S. Code 552a ) record means any item, collection, or grouping of information abou an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports. ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains Maximus Inc dba Aidvantage, and Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Maximus Inc / Aidvantage, XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.
|
| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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I recently viewed a copy of my credit report. It shows a student loan identified as AIDVANTAGE.I have never taken out a student loan through AIDVANTAGE.
Per the Family Educational Rights and Privacy Act ( FERPA ), no unauthorized third-parties should have any supposed educational record and report them to data furrnishers of any sort : The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records1.
FERPA applies to any public or private elementary, secondary, or post-secondary school1.
It gives parents certain rights with respect to their children 's education records, and these rights transfer to the student when they reach the age of XXXX or attend a school beyond the high school level.
Schools may disclose " directory '' information such as a student 's name, address, and dates of attendance without consent, but they must inform parents and students about directory information and allow them to request that the school not disclose it In Hinkle v. Midland Credit Management , Inc., the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation.
That means an original contract or similar proof, not just a printout of the payments that were made.
Provide all DOCUMENTARY EVIDENCE from the public and private side according to XXXX that this is a valid and verifiable debt you are reporting and claiming the accused debtor " XXXX XXXX '' owes. I further demand you provide authenticated and verifiable proof that accused debtor " XXXX XXXX '' was given an advanced and lawful opportunity to opt-out to any disclosers of personal identifiable information to your corporation and its subsidiaries PAST AND PRESENT.
Per the F.C.R.A, as a federally protected consumer, I am permanently opting out of any and all authorization, I the consum
er may have under duress given you, written, unwritten, verbal, and non-verbal, per 15 U.S.C. 6802. This is effective immediately and indefinitely. According to the Fair Credit Reporting Act 15 USC1681 section 602 a s
tates '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am theConsumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I will contact a consumers rights attorney to pursue my rights for private action under the FDCPA and or the FCRA where appropriate.
See attached files and account number to validate my findings of FERPA VALIDATION
|
| 11/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
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Proof that refund was requested on XX/XX/XXXX : From : XXXX Sent : Wednesday, XX/XX/2023 XXXX XXXX To : XXXX Subject : Applying for loan forgiveness - XXXX - ref : XXXX : ref Thank you for your inquiry.
Please do not reply to this email as it is an automatic response.
You can expect a response from one of our Customer Care Specialists within two business days. Some questions, however, may need further investigation to provide you with an appropriate answer.
For immediate assistance regarding COVID-19, such as recent updates and frequently asked questions, we encourage you to visit : XXXX XXXX XXXXXXXX.
We want to assure you that Aidvantage is closely following developments in regard to the COVID-19 pandemic. Please know that we are working directly with the Federal Student Aid Loan Servicing to provide temporary relief programs to assist eligible customers ____________________________________________________________ I made payments in XXXX before ending of the forbearance period ( XX/XX/XXXX ). XXXX XXXX XXXX.
XX/XX/2023 Conversation with our XXXX XXXX, XXXX XXXX, who said that I should have no problem getting a refund since I made payments during the forbearance period.
XX/XX/2023 Received email from Aidvantage saying it was too late to request a refund ( see attached ) XX/XX/2023 My conversation with XXXX from Federal Student Aid, encouraged me to send a complaint through Federal Student Aid as she understood that we were still eligible for a refund she was stunned as to why I did not receive a refund.
No announcement from Aidvantage ( our loan servicer ), FSA or Department of Education of a " last day to request a refund '' deadline and nothing on the website in FAQs or anywhere for this to be public information.
XX/XX/2023 Took out a super complaint with an Ombudsman.
Case number XXXX Super Complaint.
The two things attached are : 1. ) An email directly from Aidvantage after requesting the refund. XX/XX/2023 2. ) An email also appearing from Aidvantage after submitting a complaint to FSA regarding the refund. XX/XX/2023 These were the websites I had to look to for any answers. After the " -- - '' _ are the points that I noticed on the article that were unhelpful or misleading : XXXX XXXX XXXX -- - ( No deadline anywhere to be found ) XXXX XXXX XXXX -- - ( Benefits available through XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - ( Editor 's note made on XX/XX/2023, exact date unknown when it was posted ) XXXX XXXX XXXX? XXXX XX/XX/XXXX ( XXXX ) -- - ( You can get refunds for payments made in Forbearance period, XX/XX/XXXX-This XXXX (? ) be the last day to request a refund-posted on XX/XX/XXXX. ) XX/XX/XXXX Pandemic forbearance payments are eligible for a refund Federal student debt proposal would change REPAYE, phase out PAYE - VIN Foundation -- - ( " Made a flurry of calls with no deadline posted and that was on XX/XX/2023 '' ) XX/XX/XXXXXXXX XX/XX/XXXX | XXXX -- - ( No deadline listed )
|
| 11/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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XXXX I called my loan servicer AIDVANTAGE because my credit report showed that my credit score dropped XXXX points due to " late payments '', I fixed this later on with XXXX, etc. But this is my XXXX complaint with my loan servicer reporting false information. I called to also lower my monthly payments ( originally $ XXXX ). I was told my payment plan had " expired '' since it was dated from 2018 & I had to recertify. I was told my account would be placed on hold for payments while I submit to recertify my application for a lower monthly payment. I anticipated a lower payment since my income is less than 2018.
XXXX I call back to follow up and make sure my application was accepted. I was then told my request was submitted & my recertification application was incomplete since I did not also complete my application on the studentaidgov website. I went ahead and completed that even though I was not informed by the first rep I spoke to. This of course delayed everything.
XXXX call again and made my {$5.00} payment minimum to exit the payment plan & requested 1 month forbearance per customer rep instruction/email instruction to contact them to finalize exiting old plan. I also requested a detailed payment history with amounts for the life of each loan. The rep submitted a request for a payment history retraction. The rep said the document would be available on the XXXX of the month in my inbox since it wasn't showing in my account history. I never received this documentation.
XXXX I called again because I received several notices stating my new payment amount was available, however, the amount was higher than the original at $ XXXX. I figured something is wrong since I made less this past year than 2018. The rep said in the beginning of the conversation that my account never choose a payment plan so it has no current plan. She said that no payment will be due since I qualify for XXXX plan & will be placing me into that plan. I requested to have that in writing since the portal shows {$380.00} is due & I already had issues with how Aidvantage has handles reporting to my credit report with false late payments, no clear instructions with how to lower payments, etc. She said she would send me something via email and never once did I get an email or document. I said ok while we wait could you please check for update with payment history document since I never received it and she hung up the phone.
-Each time I log into the website, chat is unavailable. Wait times are over an hour + to get a rep on the phone, call back option is never available even though they offer it. XXXX business ethics with this loan servicers. I can't lower my payments and no rep can help me with the process in a timely manner. The loan servicer also did not inform me until I called that I had no plan. There is no information stating what state my account is in as for plans chosen. I find this process extremely frustrating & unfair with how inconvenient their customer service is!
|
| 01/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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Department of Education YOU HAVE BROKEN THE LAW. I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report. Also, if you are going to report payment history, being late starts at 30 days and you have it starting at 90 days late. There are only XXXX days in a month so how could I be current on payments XXXX month and 90 days late the next month. 35 % of my calculated consumer score comes from Payment history and by you reporting incorrect information you are letting others know I am not creditworthy. Below is the law you have broken and violated my rights. Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general. The term consumer report means any written, oral, or other communica-tion of any information by a consumer reporting agency bearing on a consumer 's credit worthi-ness,1 credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the pur-pose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the con-sumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affil-iated by corporate control; or ( iii ) communication of other information among persons related by common ownership or af-filiated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation.
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| 11/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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On XX/XX/XXXX, I called the Aidvantage customer service number to ensure that my payment information was on-file in preparation for student loan payments restarting. I spoke to the representative and she told me that everything was good for all my loan payments handled by Aidvantage to be auto-debited once repayments commenced. I also set up a payment plan that extended my student loan life from 10 years to 30 years in order to lower the monthly amount due.
During the first days of XXXX, I received an email from Aidvantage notifying me of an unusually low amount due. I called Aidvantage again on XX/XX/XXXX to understand the situation and they informed me that the representative I spoke to during the XX/XX/XXXX call did not correctly apply the repayment plan I thought I had signed up for that extends my loans to a 30 year plan. I spent another hour on the phone to ensure the payment plan was applied correctly and to ensure Aidvantage had my bank account information in preparation for repayment on all of my loans.
Later in XXXX, I received 2 emails from Aidvantage notifying me of 2 payment amounts due that did not agree to the amounts the representative communicated to me on XX/XX/XXXX. I called back yet again on XX/XX/XXXX to try and rectify the situation. The representative once again spent more time adjusting my payment plan and assured me that my payments had now been set up according to the 30-year graduated plan. She further assured me that my banking information was on file and auto-payment was set up for all my student loans.
On XX/XX/XXXX, I received an email from Aidvantage notifying me that I was past due for {$160.00} on my account. I attempted to call on XX/XX/XXXX but the office was closed for XXXX XXXX.
Issues : I have accrued additional interest on the amounts past due because of the negligence and incompetence of Aidvantage employees. They assured me several times that my account was set up for auto pay. In fact, a small portion of my payments were successfully withdrawn, but not the full amount, which caused the {$160.00} past due amount.
I am requesting that Aidvantage be disciplined and fined for their incompetence and negligence, and that the interest accrued on my past due amounts be refunded to me due to the fact that Aidvantage falsely informed me that I was set up for auto-pay on all of my loans.
Aidvantage has also caused me a great deal of distress due to having to spend hours speaking to incompetent and undertrained employees that communicated incorrect information to me and dealing with confusing emails that incorrectly stated payment amounts due, on top of accruing interest on past-due amounts that I was notified would be automatically withdrawn from my account.
I made a manual payment for the past due amount on XX/XX/XXXX. I anticipate this will be an ongoing issue given Aidvantage 's inability to correctly handle payments.
Please contact me directly for account info, email copies, phone records.
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| 10/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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|
Web |
Older American |
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In XXXX, XXXX we received a notification from the Department of Education that our loans had been discharged as part of the national action against XXXX XXXX XXXX. Eight months later in a letter dated XX/XX/XXXX we received a letter from XXXX ( the company servicing our loan ) that confirmed the loans had been discharged and a refund would be processed.
After three months of no further information and our account carrying a credit in excess of {$70000.00}, we contacted XXXX by phone to inquire about our refunds status. In talking to their representative, we were told we were due a refund ( we had no other outstanding loans ) and she did not indicate that any work toward that refund had been done during the preceding three months. She assured me she would begin the process and we would receive an email in 24-48 hours with information. Waiting a week and hearing nothing, I called XXXX again and, upon sharing my identifying information with the automatic answering system, the system informed me that, " the account was under review and no action was required at this time '' and the system promptly disconnected our call. Since we were unable to reach a representative by phone, I sent them an email through the XXXX contact system and received and automated response that it had been received and a further email would address my specific concerns. Having receive no further email, I sent a subsequent email a week later and received the same automated generic reply.
Today, XX/XX/XXXX have still not received any further communication from XXXX, I make another phone call to the company. By refusing to give identifying information to the automated system I successfully was connected to a representative. The XXXX representative affirmed that a refund was indeed due but that it take up to seven months to process. I inquired at what date the seven month countdown began and was told that it was the date the loan was discharged. Since we had received notice in XXXX, XXXX ( eleven months ago ) that the loan had been discharged, I explained to the representative it seems we are well past the seven month schedule. The representative checked their records and said that they had the discharge as XXXX. XXXX, XXXX and I was incredulous as we had already received a letter from XXXX dated XX/XX/XXXX informing of the discharge. This means they either notified us six days prior to knowing of the discharge ( and I find this hard to believe ), or someone is fabricating the dates. Frankly, I find it had to believe that it took eight months from the time we received notification from the Department of Education that our loans had been discharged for the XXXX loan servicer to receive the same notification.
At this point, Aidvantage still has our money. I am certain they have invested it ( as well as countless refunds owed to other borrowers ) and are making a tidy income. We just want the money owed in a timely fashion and have already waited a year.
|
| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Re : Update Personal Information & Inaccurate Information Subject : Disputing Information in Credit Report After reviewing my credit report I see that the following information is not being reported correctly. Please update the following account information and remove all other information from my credit report for accuracy.
Late Payment Information : After reviewing my current credit report I see that the following information is not being reported correctly. There have been many errors, for reasons unknown, in my credit reporting, reflected on my credit report that has been disputed and removed, as I have discovered recently, and require that this information below also be removed from my credit report for accuracy.
Ive found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS, PAID AS AGREED, and/or IN GOOD STANDING.
Account Name + Account Number I was never late on the following account/s. This is an error from the account holder at the time. Please update the account/s as PAID/ CURRENT.
Account Name : Dept of Ed/ AidVantage Account # : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX 150 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX There should be no late payments reflected on this account and this credit report. Please update and remove these late items/ information from my credit report, for accuracy.
Inaccurate Information : Account Name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Resolved and Paid Off with Creditor/ XXXX XXXX There should be no outstanding/ open payments/ accounts reflected on this account on my credit report/ s. Please update these items/inaccurate information and remove them from my credit report, for accuracy.
I understand the provision in the Fair Reporting Act and I am well within my right to require all of the above as outlined and that these items be investigated and removed from my credit report for accuracy. I understand that you are obligated to check and verify these items as posted, as accurate, and provide proof of your findings as requested, otherwise must remove the above from my credit report.
Please remove any and all incorrect information and information that can not be verified, as I have detailed above. I understand that you must complete this investigation within 30 days of receiving this letter.
If you find this request in error from your perspective, then I expressly request the provision in the Fair Reporting Act and require you to provide written proof showing your findings and the validity of this reporting for further investigation of these errors.
Please send me an updated copy of my credit report reflecting these changes to the address above.
Thank you, XXXX XXXX
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
" According to the Fair CreditReportingAct 15 USC1681 section 602 a states '' There is a need to insurethat consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and arespect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies andI am the consumer. I have the right tomake sure my private information isn't shared which is backed by 15 USC6801 which states '' It is the policy ofthe congress that each financial institution has an affirmative and continuing obligation to respect theprivacy of its customers and to protect the security and confidentiality of those customersnonpublic personalinformation. '' ( Furnisher of informationto credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section2 states that " In general subject tosubsection ( c ), any consumer reporting agency may furnish aconsumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely donot have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher ofinformation to credit agencies ) whetherit beverbal, non-verbal, written, implied or otherwise is revoked.
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise thatnon-disclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my non-disclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorizedunder subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report bymore than seven years. '' This account is an adverse item theyare reporting again without my permission which is against the law. 15 U.S.Code 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate.
15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c ofthis title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' Aconsumer may exercise the right to opt out atany time. '' I am opting outof your reporting services.
|
| 11/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
My first XXXX attempts to contact Aidvantage on different days, I was in queue for XXXX hour each during working hours and had to hand up. ON my third attempt, a week later I was waiting XXXX mins when I got an answer ( XX/XX/XXXX ). I explained I had XXXX issues XXXX that my XXXX interest for being on the save plan had not been removed. this was at least 10 days after my payment. and my second issue was that I was charged interest for XXXX that had not been removed and my XXXX payment had been listed as {$0.00}. The rep explained that my payment for my total account was higher than the interest for my total account so I would not be getting the additional interest on my low XXXX covered by the XXXX XXXX. I confirmed they had notice of my being on the XXXX plan and they advised me to make a higher payment to deal with the interest and that since I had not made a payment in XXXX, I would have to pay that interest as well. I advised that the student aid side said per loan and not per account so my interest would be covered and that since payments where not to start until XXXX as per government order. then they could not require a payment form me in XXXX and that they listed my payment as {$0.00} which would qualify for interest forgiveness under the XXXX plan. The rep was kind but was only able to repeat the same corporate speech back about it not qualifying and that my total payment was higher than my total interest so any interest would remain. I again said the student gov site says the purpose for the XXXX XXXX is that the balance does not grow over time and that because of the XXXX interest on that loan and the XXXX interest my account balance would if fact continue to grow. I asked for a supervisor. The rep had a tough time getting a supervisor and at least XXXX of them advised she explain the same thing I had been hearing. back and it took over XXXX minutes to get a supervisor on the phone. I re explained that they never told me I had to make a payment to qualify and that they listed my payments {$0.00} but was again told I had to have made the payment I did not know about and that my payment was higher than the total account interest. I advised that I was also on Auto pay and that I graduated during the pandemic so this was my first payment so if I was required to pay it should have been auto drafted. The solution they produced to get my off the phone as I was very frustrated at this point was that it would take the next month 's payment to see the first month 's interest removed and that they would ask the leadership as to if the XXXX interest should be removed do to {$0.00} payment. It has been a week and I have not received a call back and do to having a job in order to afford student loan payments I am unable to continue to wait an hour + to try to get through on the phone just to have an additional hour + conversation about it that is only available during working hours.
|
| 01/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
So many things have happened, but the most important to me now is : 1 ) I called XXXX XXXX on XX/XX/XXXX to initiate a refund of payments made since the payment pause. The call itself was pleasant and professional. I was told it would be 8-10 weeks. I also asked about my PSLF documents that were now gone from their portal and that I could not download or retrieve them or see how many qualifying payments I had made ( I was considering applying for the temporary forgiveness offered as I was close to meeting the required number ). Unfortunately, the agent did not know where I could find them.
XXXX ) In XXXX, I called to check on the status of the refunds of payment made request because the refund never made it into my account, and they told me it has been taking an additional 12 weeks and just to keep watching my account.
XXXX ) Skeptical of the latest advice given, in late XXXX, when I want to make a followup call, I see my loan has been transferred to Aidvantage XXXX XXXX XXXX ( formerly Navient, formerly my prior servicer, also was my servicer as XXXX which incorrectly told me not to do an income driven repayment plan to qualify for PSLF back in 2013 when I consolidated my loans because I worked for a public university because " you would have to pay taxes on the amount forgiven and with your income and the payment size, it would be hard for you to make that huge payment of tax also that one year '' ) ... ....
XXXX ) Now, I called XX/XX/XXXX to see if I could track down any information. And AidAdvantage was not able to see my payment history but has to request it. I was told that would take 10 days, so I should call back on the XXXX and request my refund then, but that I should keep in mind that the refund is estimated to take 20 weeks.
20 Weeks, really? What other financial transaction takes 20 weeks to complete?
I am a single parent and I had hoped taking the refund of payments and putting them into a savings account to earn some interest for a few months until the payment pause ended at the least, or enjoy forgiveness in giving my family some breathing room at the most, but instead these companies/agencies have carefully timed it so that the week that I MIGHT get my refund, if things go smoothly now, will be only one week before the payment pause is ended.
It is absurd that this lack of transparency can happen in the current context where my documents for PSLF are " missing '' and that the prior request for a refund in XXXX is " missing '' and " irrelevant '' and now I am financially harmed by the inaction and lack of coordination in the transfers and handling of my loans. I was also given incorrect information regarding the appropriate payment plan for my PSLF progress.
What is the point of offering ANY of these potential aspects of relief if even when we try to do the things in compliance, we can never gain any of the relief. It is cruel.
|
| 05/23/2022 |
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 |
|
|
Out of my XXXX student loans, XXXX are XXXX. First, when I applied for student loans at XXXX, they told me that the ffelp loan was the only federal loans Available for me when in reality there were direct student loans from the government that I find out about XXXX years later.
XXXX XXXX XXXX, and XXXX took advantage of me. Have me misleading information. Steered me into options which were not in my best interest.
Finally they did not honor terms like Covering the interest on federal subsidized loan when I was a XXXX XXXX XXXX. Ive never had a late payment of my loan in my entire life.
They manipulate me onto the loan.
Second, over there years Ive tried to get the loans consolidated under the government program but they told me the only consolidation loans I qualified for were not eligible for the government loan forgiveness after 25 years of payments. In reality that was a lie.
Third, they told me my only options when I was unemployed and still enrolled in college seeking my degree full time, was to defer my loans. It was many years before I found out about the {$0.00} payment. Thus I should be 14 years into a payment plan that would have been forgiven in 10 years. My loans could have been forgiven but because they steered me into putting my loans into forbearance instead of what was in my best interest XXXX, the XXXX entities did not properly counsel me when. Is was a naive teenager. Now I owe {$85.00} XXXX in debt when my original loans were approximately {$35.00} XXXX.
XXXX, XXXX out of my XXXX loans serviced by navient were incorrectly reported as XXXX days late and XXXX mo th unpaid for XXXX, XXXX, and XXXX, XX/XX/2021 when they In a forbearance due to COVID. Plus I had already applied to Renew my income based repayment plan.they confirmed over the phone all of my account Would be in forbearance until my repayment plan was reviewed and renewed.
I found out about this by a sudden drop of my XXXX XXXX for XXXX to XXXX.
After many attempts to solve this with XXXX and XXXX disputes with the credit bureaus, Ive managed to get some of the incorrect data off, but XXXX, XXXX, and XXXX still show incorrect. XXXX now shows current but on all three credit reports, they refuse to take the note of 120 - 150 days late. It doesnt make sense logically, How can it be be 120 - 150 days late if they are reporting only 3 months behind.
Honestly I think they need to forgive at least these XXXX loans because if XXXX were honest, I would have qualified for them to be forgiven by now. They definitely need to report XXXX, XXXX, XXXX correct and no days late. I was tripple covered by the automatic Covid forbearance. I had requested a covid forbearance first. Then later, but before XX/XX/2021, I called XXXX to asked to renew my repayment plans and they gave me a verbal forbearance while my application was reviewed and awaiting renewal.
|
| 08/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concern : I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I GIVE ANY WRITTEN instructions to FURNISH THIS ( ACCOUNT ) on my CONSUMER REPORT! Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual.
Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.
Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Respectfully, XXXX XXXX
|
| 10/31/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Below are the dates and details of interactions with customer service representatives at Aidvantage From XXXX to XX/XX/XXXX.
XX/XX/XXXX Called Aidvantage early that morning to request a refund of payments made from XX/XX/XXXX to XX/XX/XXXX. The customer service rep confirmed they submitted a request for refund on payments. They gave a time frame of 6 - 8 weeks to receive the refund and that the account balance would reflect once the refund was received. The process was easy but felt rushed to be off the phone.
XXXX Called to check the status and confirm refund amount and time frame. The rep was very kind and thorough. This rep did not see that any refund request was submitted, and said that the previous rep never submitted anything. They apologized profusely and then told me the refund amount. They said they first had to submit a " refund amount approval '' that could take until XX/XX/XXXX. They went on to explain this was likely to happen even sooner and that in another 4 to 6 days, they would begin processing the refund, from there it would take another 6 - 8 weeks to receive any funds from the Treasury and the account balance would update in the next 30 days. This information was conflicting from the last rep but they didnt even submit my refund request so didnt question it.
The weeks following XXXX up to XX/XX/XXXX I checked my account balance with Aidvantage and XXXX often ( at least one to three times a week ). There were no updates or movement on any of my accounts.
XX/XX/XXXX Spoke with a very friendly rep that confirmed the amount was approved on XX/XX/XXXX and still processing, nothing was sent to the Treasury. They said my account wouldnt update until they heard from the Department of Education and that wait times were quite high. They gave a new time frame of XXXX - XXXX weeks. Again, some conflicting information and very frustrating.
XX/XX/XXXX Checked in on the status by calling in. The rep seemed the most informative so far and was understanding of my frustrations. They that said my refund amount was approved in XXXX and the new timeline is 10 to 14 weeks. The also said my Aidvantage account balance would update before I would receive anything from the Treasury which they were waiting to hear back from.
Most of the reps were helpful, kind and understanding but after the initial lie about submitting a refund request and then on-going conflicting information about the status of my request and the timelines, my confidence that any of this information is accurate or that a refund will be processed is completely broken. Im especially concerned that if the requested refund is not processed soon, that I could be responsible for paying interest on loans that I never even let accrue any interest, all because of Aidvantages mishandling and incompetence.
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| 01/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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In XX/XX/XXXX I requested a refund on all student loan payments that i made after XX/XX/XXXX totaling {$15000.00} and i was told the request would take XXXX weeks to process and was instructed to call back in XXXX weeks to confirm the request was made properly.
XX/XX/XXXX I call to check on the status and am told they can not see my request. Aidvantage states they can not locate my payments made since the loans were serviced by XXXX at the time and i needed to speak with XXXX. I contact XXXX and then assure me that all records were transferred Aidvantage and that Aidvantage should have all of the payment history.
XX/XX/XXXX I speak with an Aidvantage representative who tells me that they can in fact see prior payments but the request was not submitted correctly because the amount was over {$10000.00} and needed XXXX approval. She assured me that the request would be resubmitted and approved.
XX/XX/XXXX I speak with Aidvantage who says they can see the XXXX approval and it is just pending processing and no further action needed.
XX/XX/XXXX i speak with Aidvantage and am told that there was an issue because my loans were previoulsy serviced by XXXX and that i made were to payoff the loans in full so they needed confirmation of prior payments that i made. I uploaded a detailed payment history dating back XXXX showing all payments made on prior loans from XXXX to XXXX. I confirmed on the phone with the representative that she received my documents and would be elevating the refund request. I went through each payment with the representative that i was requesting to be refunded and they are as follows : XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2300.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$1000.00} XXXX - {$2000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2700.00} At this point i was assured that everything was submitted and would take XXXX weeks to process now that documentation was received.
XX/XX/XXXX i contact Aidvantage via email and am told no progress has been made but that the refund reqeust was being expedited and would process in XXXX weeks.
Now on XX/XX/XXXX, nearly XXXX months after the initial request was submitted and after numerous phone calls and emails, i still am yet to see any refund processed. I have done everything on my end to provide Aidvantage with all documentation they have reqeusted and repeatedly i am told that they will handle the request and time after time i am left without resolution. They had no problem taking my money for loan payments and penalizing me if i was late but now that i am reqeusting money back from them it takes over XXXX months and that is unacceptable. I need my {$15000.00} refunded within XXXX days of this complaint being filed.
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| 11/14/2022 |
Yes |
- Debt collection
- Federal student loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with the Department of Education to obtain a " loan ''. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The loan which is subject to the transaction was used primarily for personal, family and household purposes. The Department of Education has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. XXXX XXXX XXXX did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). The Department of Education 's conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. My consumer report does not include a report containing information solely as to transactions or experiences which means late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). 15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. The Department of Education has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) also documentary evidence under 15 USC 44 includes books of account. According to 15 USC 1602 ( p ) the Department of Education does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification the Department of Education is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy.
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| 11/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Problem with your payment plan
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Web |
Older American |
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First with XXXX & now with Aidvantage, over the course of many years, I have been forced into forebearance, have very high repayment amounts, mounting interest applied to my loans, inability to get into a method which allows loan reduction, extreme difficulty even logging into my account, & extreme wait times on the phone, etc. Because I am a nurse, most every person that I talked to previously doesn't believe that I can not afford a XXXX XXXX monthly payment. Because of the way that the public views XXXX, they think that I am rolling in the monetary dough. Nothing could be further from the truth. I started XXXX in California in XXXX, at XXXX XXXX/hr. Even though I have been a XXXX for 40+, I still have to work to survive at XXXX years of age. I get a small pension in addition to SS, & I work to add to that to live. Currently, my rent is XXXX XXXX/month for a 520sq ft apartment in a senior complex. I drive 40miles one way to work because no hospital will even look at my resume at XXXX years old. Because of systemic harassment, gross nepotism & personal harassment that I was subjected to, I left hospital XXXX in XXXX. Getting another job in XXXX was a fat joke at my age. Currently, I have a Per Diem job, working 20-30 hrs weekly. My student loans are so high because I went back to school to become an XXXX since I could not get a raise where I worked due to grossly rampant nepotism. Now, getting a position as an XXXX is another fat joke. There aren't any really. You have to make your own way & get people to pay for your service. That is another fat joke. Most people only can afford {$20.00} or they only want to pay {$20.00}. I would love to service the poor or veterans with XXXX, but that is even harder to find. Aidvantage has sent me an XXXX, XXXX bill for over {$3000.00}!!!! Do they think that I have a money tree in the back yard???? I don't even have a backyard, I have only a tiny patio. There is no money tree there. You can not get ahold of Aidvantage whatsoever!!!!!! At least with XXXX you could talk to them after waiting forever. XXXX would tell me that I only qualified for forebearance & not an income based repayment plan, nor did I qualify for an loan reduction program. I am an XXXX and a XXXX & I don't qualify for a loan reduction program?????? What kind of craziness is this????? The Federal Student Aid Program is another FAT JOKE!!!!! I can not even log into my account. When I try to reset my user name or password, it just stops working & states there is already an account, but I still can not access it even with my SS # & DOB. Forget Aidvantage-I can not get thru to them thru calling, emails or contact complaints. Now they have sent me a bill for XXXX, XXXX for $ XXXX!!!!!!! Like that amount is totally insane!!!!!!!
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| 11/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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I applied for Public Service Loan Forgiveness with XXXX in XX/XX/XXXX ( 14 months ago ). I am fully eligible and simply waiting for my loans to be forgiven.
In XXXX of XXXX, I was informed by Aidvantage ( my assigned loan servicer ) that I needed to resume payments in XXXX. I checked the status of my PSLF application with XXXX online and it said it was a duplicate application and had been rejected ( erroneously, as I had never submitted anything of any nature to XXXX before XXXX of XXXX ).
I then attempted to reach XXXX. I needed to take a full day off of work in order to successfully reach them. They told me my application was still actively pending but they could not take any action on it until Aidvantage transferred my loans to XXXX. I was told there was nothing I needed to do to facilitate this process, as this was a process between Aidvantage and XXXX, but I could contact Aidvantage to urge them to transfer my loans. I asked the XXXX representative if I could receive administrative forbearance while my PSLF application is pending, and they informed me that I would need to make that request with Aidvantage, as that is where my loans are currently managed.
Last month, I made my first entirely unnecessary payment with Aidvantage as I had no other choice. Today, I called Aidvantage at the number provided on their website ( XXXX ). I navigated the Aidvantage automated phone menu and requested to speak with a representative after verifying my identity. I waited on hold for approximately one hour before the phone began ringing and then an automated message told me that the Aidvantage number I had called was no longer in service and that I must hang up and dial the correct number of XXXX same number I had been on hold with for the previous hour!
Whether this is a legitimate glitch in the phone system or a deliberate act to terminate phone calls from borrowers, the outcome remains the same : it is entirely impossible to access a customer service representative to make the request that my loans be transferred so they can be forgiven as they should have been more than a year ago without any further action on my part.
Because I have no way of speaking to anyone at Aidvantage regarding my loans, I am seeking the CFPBs assistance in doing so. I have been very patient and accommodating throughout this process, but after 14 months, it is clear that without outside intervention, my loans will not be transferred from Aidvantage to XXXX and my application for Public Service Loan Forgiveness will never be processed. I do not wish to continue indefinitely making payments on loans I no longer owe. I greatly appreciate your assistance in this matter.
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| 10/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
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Web |
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When I was attending XXXX XXXX XXXX I enrolled myself in the XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well spoke to the XXXX department and was approve for XXXX due to my XXXX XXXX I took XXXX and mid way I spoke to my than advisor that the class was to hard for me to take and that I need to finish it and she will re-enroll me again to retake, my than advisor name was XXXX XXXX and XXXX XXXX XXXX I ended up failing the class even though I made comment spoke to my advisor about the difficulty of it and was still encouraged and advise to continue the class instead of withdrawing me, I was never told or was advised that I needed to stay in a good standing point for financial aid, nor she said that I would owe a balance, I went to check on my account and that is when I saw the balance of XXXX I spoke to an advisor and he advised me that he spoke to his manager about the situation and for this one time it will be forgiven, that the only thing that I will owe will be {$150.00} for supplies witch i agree, moving forward the balance was never cleared, they never gave me instructions about the requirements, anything at all, i got a new advisor his name is XXXX XXXX i spoke to him and he told me the reasob it was not cleared was because the class XXXX was incomplete, mind you when i spoke to the advisor previously it wad XXXX XXXX my XXXX class and he stated it will be cleared right away, so now speaking to XXXX XXXX he stated that my situation with owing the balance does not look good, and i told him everything and he said well we can re-enroll you back into XXXX XXXX and oncw you receive you financial aid we can pay off the balance, and i told him no i withdrew from the school for false misinterpertation, and he also told me that i wont be able to get my transcripts or go to any other school because i owe a balance, i was baffled with his response because no where near the conversation did i say i wont pay even though they lie i agree to make payments, eventhough to advisors, and was advise to continue the class, and no one said that it will affect me in owing a balance, XXXX XXXX also stated that there going to be sending me to collections because of it, mind you im on a tight income im XXXX why am i required to pay a balance when they stated i wouldnt, and bribe me into re-enrolling me in school, and when i said no was than told i wont be able to go to any other school and they are going to withheld my transcript this school doea not care about their students but lies, all conversations where over the phone they have the pre-recording, i contact XXXX XXXX plenty of times regarding this matter and she never responded back to me
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| 03/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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On XX/XX/22, my husband and I contacted Aidvantage to setup payment plans for when our student loans resume after forbearance ends. We needed this documentation to send to our mortgage lender because we are trying to purchase our first home. We were given quotes about the payments ( {$260.00} for me and approx. {$500.00} for my husband ). We received documentation of the payments we were given via email on XX/XX/22. On XX/XX/22, we received different emails with much higher payments ( {$590.00} for me and {$620.00} for my husband ) than what was previously communicated. We both spent hours on the phone to find out that the representative enteres our income information in incorrectly. On XX/XX/22, we called again to request that they recalculate the payments. The reps that we spoke with did that and gave us new payments that we agreed to ( {$270.00} for me and {$360.00} for my husband ). They told us that we should have the information emailed to us the same day. We did not receive that information. So I called back today, XX/XX/22, to check the status of the documentation. The rep said that she had no record of the payment plans that we set up. She then proceeded to reprocess both of our my payments. My payment was close to the same as what I've received on XX/XX/22 ( {$270.00} ). My husband 's payment was nearly double the about that they gave us on XX/XX/22 ( {$730.00} ). I escalated the call to a supervisor ( XXXX XXXX ) and requested that she pull the call from yesterday. She confirmed that we were given incorrect information but stated that she could not get the payment any lower. No one was able to provide us with any type of documentation on any of this. After being in the phone for over 4 hours today, my husband looks in his email and finds a letter from Maximus ( we just found out today that Maximus ' dba is Aidvantage ). It was the letter confirming the {$360.00} payment plan that no one seemed to have any idea about. So this documentation proves that the plan was processed for that amount. Both of us suffer from severe anxiety. This whole situation has caused us immense amounts of stress which has put our physical and mental health in jeopardy. At this point there is still no resolution because I still have yet to receive documentation of my payments to give to my lender so that out file can go through underwriting. We have been given incorrect information multiple times. We have spent hours on the phone to get simple documentation. This has been egregiously mishandled and no one seems to care that this may jeopardize the purchase of our family home. This is unacceptable and I demand a resolution.
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| 12/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been stressed, Depressed & On the verge of a XXXX XXXX XXXX. I Called XXXX, XXXX XXXX XXXX and spoke to their representatives and quoted them the federal laws in which i am stating and why information should be on my profile.
15 U.S. Code 1681a ( d ) ( 2 ) - Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. 15 U.S. Code 1602 ( l ) -The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My Social Security Card is a credit card and there for was used for an approval of an extension of credit for the fraudulent accounts " Possible Finance and Dept Of Ed/XXXX ''.
XXXX XXXX XXXX, XXXXossible Financial & Dept Of EdXXXX All are reporting late payments on my credit report and pursuant to law 15 U.S. Code 1666b ( a ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Ive been lied to me and told me that they investigated this matter but pursuant to 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They didn't speak to my neighbors, friends, or associates to ask about my character, general reputation, personal characteristics, or mode of living is obtained through personal interviews.
Pursuant To 15 U.S. Code 1681n ( a ) ( 1 ) -Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
I am demanding {$7000.00} FROM Dept Of EdXXXX For the last 7 years of damages cause by derogatory marks, {$2000.00} for damages For the last 2 years of damages cause by derogatory marks and {$1000.00} From XXXX XXXX XXXX for Damages for the past year. I am also demanding the removals of the accounts : Possible Financial & Dept Of EdXXXX and the late payments removed for the account : XXXX XXXX XXXX from my profile as my credit was extended to these companies and i am the original creditor.
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| 05/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Incorrect information on your report
- Account information incorrect
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Web |
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Notice to agent is notice to principal notice to principle is notice to agent This is to inform the CFPB of some violation that the department of aid advantage has not addressed since the following Dispute with the CFPB in XXXX and XXXX the followings are the account disputed with the CFPB. I would like the CFPB to conduct Consumer redress for those accounts with aid advantage for the following reason for the past eight years I have been carrying this account with the Department of Education. today XX/XX/XXXX between XXXX XXXX and XXXX XXXX I have spoken to XXXX XXXX XXXX to get the answers that she promised to give me during our last conversation in XXXX I have mentioned to XXXX XXXX XXXX if she was aware of the public debt of XXXX she totally ignore and never got back to me so today XX/XX/XXXX I got a hold of XXXX XXXX XXXX and ask XXXX XXXX XXXX that why is my account showing negative payments my understandings are the followings 15 USC 1666 ( B ) Timing of payments this information was address was XXXX XXXX today XX/XX/XXXX also I have mentioned to XXXX XXXX that since I have been carrying this account for the past eight years and she has not provided the consumer the contract and the truth in lending act documentation that was required when I dispute it the account with the CFPB she sent me a promissory note without the contract and the truth in lending disclosure documentation, I also have mentioned to XXXX XXXX XXXX that since this account has been transferred from several department I am going to address this information with the department of education and whatever answered I get, I will address this with the CFPB and address it with 18 U.S. Code 1341 fraud and swindler since this account was created I want the Department of Education the department of XXXX XXXX, XXXX, XXXX, XXXX an aid advantage to provide the consumer the damages they have caused since XXXX by sharing my information without no knowledge to the consumer. This information is also addressed in the past with XXXX, XXXX, and XXXX. Please, I am asking the CFPB to enforce that information before my information gets transferred once again. Also, I would like to address the CFPB with the respect that the agency deserves that I am fully aware of what's going on with XXXX XXXX XXXX all caps name. I am an American citizen state national. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following are the accounts that I have disputed with the CFPB. Also, those accounts with AID advantage and all the companies I have mentioned above Are paid as agreed, the following are the accounts I have a dressed and dispute it with the CFPB.
CFPB XXXX CFPB XXXX
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| 11/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Bankruptcy
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Web |
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I fell into financial hardship after going thru a divorce and was not able to make my payments. I contacted the lender back in XXXX always reapplying for hardship and being granted. XXXX comes and they have intercepted my entire tax refund of close to {$8000.00} maybe more. I contacted the lender immediately asking what happened and why did they intercepted to which I was basically told that they didnt have the lean or garnishment placed so basically they dont know how it happened but didnt give the money back either. So fast forward a few years to XXXX I wanted to advance my degree so I went back to school thru a program that I was told and signed thru the XXXX XXXX XXXX that as long as I graduated I would not be responsible for any debt. It would all be wiped clean, AS LONG AS I GRADUATED. I graduated with a XXXX gpa. Couple years later I go to buy a vehicle and when they ran my credit I was in default and hadnt made 1 single payment on a program I was told would not cost a XXXX as long as I graduated. I had XXXX pre teens and a XXXX year child I was also working full time kids and we were busy. Little by little the loans got paid down. Couple XXXX dollars or so per loan because after all their are 5 loans. Fast forward to XXXX I had to file for bankruptcy, a XXXX XXXX. I had still always kept in communication with Naviant doing the yearly paperwork and when bankruptcy happened my attorney took over because they were listed as a creditor. Covid happened and we dont get to go to court until XXXX of XXXX. They removed the balance left owed from my credit report and all was done or so I thought. 6 or so months later I had my credit ran because we were moving and I got denied the house. Naviant had once again somehow took what showed a XXXX balance and added a debt back in to my credit so my credit dropped from almost XXXX to a XXXX. I didnt get the house and had to forfeit the deposit because I couldnt get things cleared up in a timely manner. When I finally was able to rent not buy but rent a house I had by then paid 12 application fees {$50.00} each and was charged 2 deposits plus 1st months rent because of the derogatory marks and low credit score. It didnt matter that I had the bankruptcy paperwork or that I was lied too or I was financially now ruined we had to have a home. My children had to have a home. This is now the end of XXXX and finally they are being held accountable for their actions. They didnt just do this to one family theyve did this to hundreds or thousands. All we wanted was to better ourselves and get a college degree. Shame on you Naviant, Shame on you!!!!
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| 10/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I have been having issues with my student loan servicers regarding accessibility of information, transparency, servicer transfers, and payment refunds. My student loans were serviced by XXXX up until XX/XX/XXXX, after which they were transferred to XXXX/Aidvantage XXXX I made $ XXXX in payments to XXXX during the COVID-19 forbearance period and paid the remaining $ XXXX to XXXX/Aidvantage over the next several months , still within the forbearance period. I requested a refund of these payments when the XXXX debt relief program was announced, on XX/XX/XXXX, and have been met with confusion, conflicting information, and stalling for months. It appears that XXXX XXXX has lost information regarding my payment history when they transferred my remaining balance to XXXX/Aidvantage because neither servicer can find history of it. As a result, Aidvantage is refusing refund of the first {$10000.00} of payments and delaying the {$17000.00} of payment history they do have record of. I have called XXXX and they told me it was not their responsibility and that Aidvantage has to handle the refund. I have called Aidvantage 4 times, emailed once, and mailed bank statement history of payments directly to their office. Each call is met with operator confusion and telling me that the refund is processing on time but no one can give me a completion date. Every time I call I am told that it will be done by a different date, I was first told it would be done in 6 weeks, by XX/XX/XXXX. 4 weeks after my request, I got a letter saying it was just submitted and it would be 8 weeks to receive the refund, XX/XX/XXXX. First I was told that my loan balance would be reflected in Aidvantage 's website and then XXXX, now I'm being told I will get my refund and it will not update the balance? How am I supposed to pay off the loan then? In addition to the conflicting information, both XXXX and Aidvantage 's websites restrict account access to website features once the loan balance is {$0.00}. Aidvantage prevents users from acccessing their account inbox to send messages and contact the company with questions or concerns. They then force uses to mail or fax to send documentation. XXXX is the worst offender and restricts all access to the user 's account, including any and all payment history and tax forms. The current status from Aidvantage is that the refund is processing and is currently held up with their request to XXXX for information regarding the loan payments that I made that they did not transfer and have no record of. These companies have truly mishandled my money and should be subject to punishment.
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| 07/31/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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Aidvantage Student Loan Servicing XXXX XXXX ( Account XXXX ) I write in regard to inaccurate billing practices of Aidvantage. I was told that they will not participate in SAVE on Federal Loans, have refused reimbursement of overpayments made during Covid forbearance, and stated they will " restart '' my max repayment timeline from day 1.
With the changes in student loan processing, I questioned my XXXX amount of {$370.00} as it seemed inaccurate.
Based on my calculations XXXX should be at Total Income : XXXX XXXX XXXX XXXX ( XXXX ) Discretionary Income XXXX @ XXXX XXXX XXXX = {$220.00} Monthly I was initially promised forgiveness after 10 years of qualified payments on student loans at inception which was eliminated when XXXX purchased my loan balances from XXXX XXXX. With the new policies in place, I requested a review of overpayments and forgiveness that should lower the balance significantly. Aidvantage stated that they were restarting my timeline of qualified payments and starting over with a XXXX XXXX XXXX XXXX pay plan with an estimated pay off/forgiveness year in XXXX.
Aidvantage stated they will not participate in SAVE, will be calculcating at XXXX XXXX XXXX AND XXXX XXXX discretionary income. As a result of my inquiry, I was further penalized with a {$50.00} increase in monthly payments from {$370.00} to {$400.00} that appears to be a discouragement to the lender in questioning their billing practices.
I requested review explaining that after the passing of my mother, I was left to care for my father who suffers from XXXX. I was forced to move as a primary caregiver and do work full time to help cover his XXXX expense at a XXXX XXXX XXXX He does require XXXX care. Additionally, I am XXXX as well, although not collecting any form of XXXX. I am able to work in my field remotely - however, I do have my own medical expenses as well.
Below is a breakdown of payments/loans including overpayments that should be credited.
Loan # Original Amount Repay Date Paid In Full Overpayments Anticipated Forgiveness Date Forgiveness Amount XXXX {$9500.00} XX/XX/XXXX XX/XX/XXXX {$3300.00} XX/XX/XXXX {$3300.00} XXXX {$10000.00} XX/XX/XXXX XX/XX/XXXX {$8900.00} XXXX {$5200.00} XX/XX/XXXX XX/XX/XXXX {$4600.00} XX/XX/XXXX {$4600.00} XXXX {$11000.00} XX/XX/XXXX XX/XX/XXXX TBD XXXX {$12000.00} XX/XX/XXXX XX/XX/XXXX TBD XXXX {$7800.00}. XX/XX/XXXX {$7600.00} XX/XX/XXXX TBD` I am formally requesting review, write off of balances at 10 years totaling XXXX.
I have also requested a full refund of overpayments totaling {$15000.00} which Aidvantage stated they are unwilling to do.
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| 10/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
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Web |
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- XXXX XXXX started school with approved $ XXXX loan.
- XX/XX/XXXX paid back first $ XXXX, $ XXXX interest was refunded to me due to quick payment.
- XX/XX/XXXX paid remaining XXXX, loan bought to {$0.00}.
- XX/XX/XXXX Called student loan provider due to communication on student loan forgiveness being distributed by media, they stated I qualifed for student loan forgiveness based on payment made in XXXX Info given on money being sent to me via mail or direct deposit. Requested for mailed check for paper trail.
* no communication on ramifications or parameters for this money at this time.
- XX/XX/XXXX received $ XXXX direct deposit into my account, called XXXX to confirm where deposit came from, they stated looked like form government, first calling student loan provider could not get through, multiple hang ups.
- XX/XX/XXXX received an email stating I have a monthly statement for payment due on XX/XX/XXXX, called student loan provider to rectify.
- XX/XX/XXXX called again to get info on this email I received and what they can do as I don't have a loan, I was advised I'd receive email with a link to file a complaint, no email received.
- XX/XX/XXXX called again and was told I could file a complaint with her verbally and I did, nothing sent in writing to me. I was told someone would contact me on XX/XX/XXXX.
- XX/XX/XXXX called back again due to no communication, I spoke to 2 ppl, customer service and supervisor repeating that I had a loan that needed paying and I received a refund not student loan forgiveness and need to pay it back with interest, asked why I didn't receive direct communication on the circumstances, told it was send to my student loan provider account digitally, I didn't check it as I don't have a loan outstanding. I requested for phone call to be pulled on the day I called asking for student loan back in XX/XX/XXXX.
- XX/XX/XXXX they finally call me back to say must pay back loan and the refund is now a loan that must be repaid and I can request for an advocate to further discuss. I was told it would be implied that my refund would be a loan that needed repaying. I clarified that I request for student loan forgiveness not a refund or loan. I did request but haven't received any writing communication on anything as any point in time over the last month on my requests for rectifying.
Note : - Lack of transparency on refund not forgiveness. - Did not explain refund parameters instead of forgiveness, nothing esle told to me and nothing in writing of the conditions of agreeing to refund or any parameters for it to be repaid as a loan.
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| 10/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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Loan transferred from XXXX to Aidvantage ~ XX/XX/XXXX. I have made five payments since the transfer of loan servicer from multiple bank 's ( XXXX & XXXX XXXX ) bill pay services.
XX/XX/XXXX {$50.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$33.00} XX/XX/XXXX {$300.00} ( one is pending {$270.00} made directly on their website ) While on their website ( after Thursday 's payday ), discovered on Friday that I had {$82.00} in unpaid interest on my XXXX sequence loan, XXXX {$0.00}, XXXX {$0.00}. Mental math told me it should not be that high, so I did some digging.
XXXX balance {$6100.00} XXXX ) 6.8 % {$1100.00} balance {$5.00} accrued interest to the XX/XX/XXXX XXXX ) 6.8 % {$2400.00} balance {$12.00} accrued interest to XX/XX/XXXX XXXX ) 6.0 % {$2500.00} balance {$11.00} accrued interest to XX/XX/XXXX total interest for 27 days {$29.00} XXXX Called on XX/XX/XXXX Friday XXXX eventually after making several selections through the phone tree it informed me that they were closed. Wrote down their hours. XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX.
Monday XXXX called at XXXX and held for 5 minutes without reaching a person. Needed to head into work. Called again at XXXX and held for 13 minutes without reaching a person. Tuesday XXXX called at XXXX and held for 48 minutes without reaching a person.
It appears that rather than the simple single loan two step process ( 1. unpaid interest 2. unpaid principal ) they have three pages of allocation and application complexity for multiple loans ( I have a XXXX, XXXX & XXXX ).
On their website discovered how to select between their five options in my account profile. None of which is exactly or clearly the best for the consumer but instead is best for a debt collector.
It defaults to overpayment allocation : Highest Interest Rate- the overpayment is paid to your loan with the highest interest rate.
I changed it to Lowest current balance - the overpayment is paid to your loan with the lowest current balance.
Option which is not clear how they would apply - is prorate by monthly payment amount- we prorate the overpayment across all the loans you select. The calculation is based on the monthly payment amount. If the system current says I have XXXX not sure how that would work.
What I would like is for the unpaid interest to be paid in full if my payment amount covers all the accrued interest across loans. This way interest does not compound on itself. Then pay down the principal amount.
I deal with amortization schedules in my daily job and have worked in customer service...
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| 10/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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In summary, I was put in automatic In School Deferment without asking me first, I spent a month trying to get this resolved before payments restarted. Then after I had made a payment much larger than what I was quoted for, I received word that my request was process and that I am for some reason also liable for XXXX 's payment as a late payment, which I was never made away of and everything I'm seeing is showing I should not be charged for.
Time line of events in detail : On XX/XX/2023, Aidvantage put me on In School Deferment without notifying me first if this was something I'd want to have applied to my account.
On XX/XX/XXXX I reached out via their web portal to get this canceled.
On XX/XX/XXXX, I called into their support line and was told that my deferment would be removed and that my Expected payment date was XX/XX/XXXX for {$290.00}.
I was told that this would be reflected on my account in a day or two but it was not.
On the XXXX, I received an email from their inbox ( which I can't even respond to ) stating they are still working on the changes to my account. This was after claiming that my payment was supposed to be {$740.00} but then correcting themselves and providing no further information other than that this was a mistaken amount.
On the XXXX of XXXX and the XXXX of XXXX I received the same email stating that my request was being processed and that I would be receiving more information soon.
On the XXXX of XXXX, I submitted a payment of {$300.00} spread out across all of my loans allocated based on estimated repayment amounts and then a further {$150.00} to my loan with the lowest balance. This payment is still processing.
Today on the XXXX of XXXX, I received word that the changes were finally made to my account, that my payment was indeed due on the XXXX, and that it would indeed be the {$290.00} I was quoted over the phone.
When I checked on their web portal was XXXX listed ( this is fine, I imagine the payment I made will be processed and then this will be resolved ) but then I was marked for a late fee for a payment in XXXX. I was never made aware of needing to pay in XXXX and everything I'm seeing online is that my payment should only be for a date in XXXX, not in XXXX and not in the least a full month before I was being quoted as having my next payment due back on XX/XX/XXXX.
I have now both sent in a new inquiry ( as there is no way to respond to them via email ) and have been on the phone waiting on hold for almost 40 minutes with no idea how long I'll need to wait in the middle of my work day.
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| 09/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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On Friday, XX/XX/2023 ( about a week before interest rate accumulation was to resume ) at XXXX XXXX I called AidVantage ( formerly XXXX ) to make a large final payment, or so I thought, to close out an existing loan. The amount was for nearly {$25000.00}. I had been saving up for the past XXXX and a half years taking advantage of the pause in interest accumulation. Upon being connected to a representative, I requested a specific loan be paid off in its entirety and proceeded to provide them with the loan number, its amount according to the AidVantage website, and then my debt card to complete the transaction. The representative confirmed and even acknowledged they could see that I had logged onto their website. Upon confirming from the representative twice of the amount I needed to pay off the loan, they reconfirmed and then let me know the transaction had gone through before provided me with an email containing the pertinent details. The representative said it would take a few days for the website to catch up to their internal records. On Tuesday, XX/XX/XXXX, I get a letter from AidVantage telling me that the loan payment I made was not sufficient and that an amount balance of over {$400.00} remained identified as " Unpaid Principal ''. Upon learning of this, it became apparent that all of my loans on their website were lacking that financial detail. This is not to be confused with the " Original Principal '' or " Interest Rate or Interest Accumulation Amount ''. This information is not provided on their website and is not listed anywhere in the total amount of the loan I was attempting to pay in full. This company, and XXXX prior, has had XXXX YEARS to get their ACT TOGETHER. THEY HAVE FAILED. If they expect students to pay their loans, THEY MUST PROVIDE ACCURATE FINANCIAL NUMBERS TO THE LOANS. THIS IS UNACCEPTABLE. IN ANY OTHER BUSINESS THEY WOULD BE LOSING CUSTOMERS! However, I am beholden to them courtesy of the United States Department of Education. Now, that remaining " Unpaid Principal '' has accumulated interest costing me more money. Of course, I am not without blame. I sadly chose to go to college ; the worst advice to ever get from the XXXX XXXX XXXX. That educational path was, and continues to be, my biggest financial mistake. COLLEGE IS NO LONGER WORTH THE PRICE. TO ANY PROSPECTIVE COLLEGE BOUND STUDENT ... XXXX WARNED! STUDENT LOANS ARE NOT WORTH IT! FIND ANOTHER WAY! AIDVANTAGE IS TERRIBLE! XXXX IS TERRIBLE! THEY ARE ALL TERRIBLE! Best of luck to us all now that loan repayment has resumed, we're going to need it.
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| 09/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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At XXXX XXXX ET on XX/XX/XXXX I received an illegible email from Aidvantage in which grey text appeared on top of a grey background. Perhaps when I was young and spry back in XXXX when my life was first buried under these loans I would have been able to read this email. Back then I had pretty good eyesight and I still had a glimmer of hope in my eyes. A quarter of a century later and my eyes simply are not what they once were. I have to hold my phone at arms length and squint to read small text even when it is high contrast. I simply can not read this grey on grey email from Aidvantage and who can afford bifocals with student loan payments restarting?
Is such an email ADA compliant? Are millions of student borrowers responsible for understanding the fine print of these loans written in this form? Does this comply with the FDCPA? Are there minimum requirements for legibility with such communications.
What does this email say? Is it to inform me that XXXX is finally fulfilling his promise to cancel student loans and I am finally free? Or is it about an important deadline that I have to meet and my financial life will be ruined if I miss this deadline? Does this email contain my payment amount and due date? Is Aidvantage asking for my first born child or my arms and legs ( or perhaps my eyes )? I just cant tell. About half of the information I get from Aidvantage is inaccurate and I am told to ignore it when I call to ask questions about it. The other half is life-or-death serious to pay attention to the most minute detail. Which one is this email? I cant tell. If I dont take action based on this communication will there be any consequences for me, and if so what will they be?
The painter XXXX XXXX created a series of ultimate paintings consisting of minute variations of XXXX on XXXX and gray on gray claiming these are simply the last paintings anyone could make. Is Aidvantage poetically trying to tell me this is their ultimate communication with me and my student loans and that the end has come? Is that a good end or a bad end? What is my ultimate fate? Is this heaven or XXXX?
I am told that XXXX XXXX XXXX XXXX is about sadism, but this is taking sadistic grey prose too far, even for Aidvantage. I am reminded of when the XXXX administration appointed a Borrower Defense Special Master, or BDSM for short, a guy seemed to take pleasure in inflicting maximum pain in order to achieve a discharge. What a sicko. Did the BDSM write this email? If so, what does it say? These people need to find a hobby and stop hurting everyone.
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| 04/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Servicemember |
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I am having various ongoing issues with the Department of Education, my previous student loan provider was XXXX XXXX, then Navient and my new student loan provider Aidvantage. I have filed multiple complaints with the Department of Education and Navient regarding loans being listed on my account that does not belong to me as I had never ever attended these schools. The loans and schools listed are XXXX University which I received a settlement card and notice last year regarding fraud with this school and XXXX. Department of Education and Navient is refusing to remove and update these loans from my account accordingly. Aidvantage has taken over the loans from Navient as a result of their recent lawsuit. My other issue is that during the course of COVID-19 Navient & Aidvantage with regards to my student loans allowed my loans to accrue interest even though they were not supposed to during COVID-19 due to laws that were put in place as a result of this. During this time, I went from having a prior balance of {$180000.00} to now owing almost $ XXXX. I am a current student at XXXX XXXXy XXXX XXXX XXXX, and I have 3 classes remaining to complete my MBA degree according to the school I do have not enough money to finish as I have reached my aggregate limit despite having loans in that I accepted with the school in the amount of {$9100.00}. Every time I call or send an email no one responds, and I receive the runaround constantly to no avail. I have not worked for 25 months since COVID-19. I have no money to pay XXXX or the current balance that is listed on my account with XXXX that must be paid in full before I can even register for classes. The school is refusing to offer any type of assistance to me despite the fact that I have amazing grades and a 3.5 GPA. All the money they make off of students and they can not assist one student with any type of assistance? There is no money for us as students at the graduate level like it is for those at the XXXX level. My only recourse would be to file XXXX XXXX XXXX XXXX which would wipe out all of my debts. XXXX told me to apply for the XXXX XXXX loan which is the only option I would have in order to complete my last 3 remaining classes however I have no income so therefore this is not an option either. If my student loan account is updated as it should be by removing the 2 schools that I did not attend, I would have more than enough money to finish my last 3 classes. I am only responsible for paying for the one class and then XXXX would be responsible for paying for my last 2 classes.
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| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I was trying to initially get a car loan with XXXX XXXX on XX/XX/XXXXXXXX and got denied due to my DTI being too high, which was impossible considering all of my student loans are deferred. I also lost the vehicle to someone else buying it at the price point I wanted and was planning on getting it upon approval because of this. I had someone in the financial industry look into how I could possibly be denied considering Ive worked my XXXX off to build my credit back up and have good credit so I know for a fact I wouldve gotten the loan and was told that the student loans were what was putting my DTI too high. They stated to me that it appeared a student loan was showing as active not deferred on my credit report and stated that it looked like it had been shown that way since XX/XX/XXXX. This information was provided to me on Friday XX/XX/XXXX. I was told to call the lender to find out what code they were showing. I called XXXX XXXX on XX/XX/XXXX. They stated they didnt see a code but would email underwriting after I told them what happened and someone would be in touch. I then called XXXX first since I saw on XXXX that they were in trouble for coding errors. XXXX stated that they didnt see anything but that my loans were {$0.00} and didnt give any other info but stated I would have to prove its them. I then call XXXX to see if they had the same thing. I was then told that not only the loan I was inquiring about showed as active but all of my loans that were taken over by Aidvantage showed as active and not deferred. Also my private loan from XXXX was showing as active. So I had to dispute starting with them and while I was on the phone with them my mother was on her phone with Aidvantage who admitted that they had a computer glitch and it reported everyones loans like this. Meanwhile the guy at XXXX is on speaker and also my moms phone is on speaker and XXXX states that the call is being recorded. I said good because you got him on recording admitting to an error thats affecting peoples lives and explaining it as if its no big deal because theyre sending letters to all credit bureaus about theyre boo boo. I stated to Aidvantage that I got denied an auto loan and lost out on the vehicle I wanted because of you guys. I also told him I needed that letter now because Im disputing now and I need documented proof. So he tells me to get on the site go to tools and print to send. But I also told him a hard inquiry has also been ran against me and now I have to wait and the inquiry will be shown on my report for no reason.
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| 10/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I applied for the SAVE repayment plan on XXXX XXXX XXXX right after the new application was released. I was under the IBR repayment plan and, according to the application, I would need to make a one month reduced forbearance payment of {$5.00}. After some research, I found out that when changing payment plans from the IBR plan, interest is capitalized and you are required to make a standard payment when switching from IBR to another IDR plan. The SAVE plan created this reduced forbearance payment to help with the switch. I completed the application and selected to pay the {$5.00} reduced forbearance payment. Over two months passed and studentaid.gov showed that my application had been processed but my account was not updated on my loan servicer Aidvantage account. I called AidVantage several times in XXXX and was told there were different issues each time. The first being that I needed to recertify my income even though I provided authority to allow the servicer to obtain that information directly from the IRS in the SAVE application. I recertified online and with each rep I spoke with but their records still show that I have not recertified my income. Then a rep told me I needed to apply for forbearance and pay {$50.00}. I explained to the rep that this was not the case and that the application only said {$5.00} but they required me to pay {$50.00} so I did. Then I got a denial for forbearance. I called back and the new rep said that was a different type of forbearance and that I only needed to pay {$5.00} and that they were processing my application and to check back in a couple of weeks. I called back again and was told my application was approved and that my first payment would be in XXXX as I had the 1 month reduced forbearance. However, in XXXX Aidvantage processed my new monthly payment causing me hardship because I had not budgeted for the payment in XXXX due to the forbearance I was told I would be in. I called to complain and escalated to a supervisor who told me to stop the payment with my bank and was extremely rude and unhelpful. Additionally, my interest was never capitalized and my loan balance increased after the payment because my payment did not cover the interest despite the fact that the SAVE plan specifically states this would not happen. When I call during business hours to try to figure out why they did not capitalize the interest when I went into the SAVE plan and why my balance is increasing, they do not answer the phone, I am sent to a voicemail and they fail to return my calls.
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| 01/30/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Older American |
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I read that you have recently completed a lawsuit against XXXX and believe I should be one of the students whose balance should be forgiven under that lawsuit. I graduated from University of XXXX in XXXX with XXXX student loans. I paid off my small XXXX loan fairly quickly. The XXXX Federal Subsidized and Unsubsidized loans were for about {$83000.00} at that time and were with XXXX XXXX. I was counselled to consolidate the loans, which led to them getting BIGGER- they went up to {$87000.00}. I became deathly ill in XX/XX/XXXX and was hospitalized for 6 months. At that time the loan balance was at {$72000.00}, as far as I can tell ( it is hard to get reliable records from XXXX going back that far ). While I was in the hospital my XXXX XXXX XXXX mother contacted the loan company on my behalf and was counselled to put me in forbearance. It took me several years to recover and get back to work, during which time the interest accrued on the loans. When I started full payments again in XXXX the balance was at about {$89000.00} ( I don't have an actual record of what they say I owed at that time ). I am now XXXX years old and trying to retire and I have been paying on this student loan for 22 years. I have paid over {$100000.00} and still owe {$45000.00} in accrued interest. This interest accrued during my illness due to the forbearance. Had my mother been told the results of her decision, we could have come up with a way to continue paying the loan and avoiding all this excess. However, neither my mother nor I had any idea there was any hope of an alternative that could avoid this disaster being piled upon the disaster of all those years of XXXX. Furthermore, through the intervention of my Congressional Representative 's office, I have talked extensively to XXXX who took over the loan in XXXX, trying to XXXX get full records of the loan since its inception, XXXX get a clear explanation of how interest was figured on the loan, since sometimes the interest payments got bigger instead of smaller, and XXXX where {$900.00} worth of payments I had made over a 9 month period in XXXX had gone, as I couldn't find them on the documents Navient finally sent me. After several months I believe it was resolved that the {$900.00} was correctly applied, but questions XXXX and XXXX never got properly answered.
The bottom line is I have paid off the loan WITH INTEREST and now only owe interest that accrued because of bad advice that my mother received to get a forbearance that led to the loan ballooning while I was ill.
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| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Under the Fair Credit Reporting Act, there are laws put in place that prevent certain information from being furnished on the consumer report.
Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions and experiences between the consumer, Me ( XXXX XXXX ), and the person making the report ( Aidvantage/XXXX ) should be excluded from the consumer report.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) no specific extension of credit directly or indirectly should be reported to the consumer reporting agencies ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Aidvantage/XXXX has been reporting ten late payments on ten student loan accounts since XXXX. A late payment could be qualified as a transaction and an experience in this case. Reporting these accounts are a violation of the Fair Credit Reporting Act in itself. I have attached a copy of the specific laws for review.
Please remove the following accounts from my credit report as to by law they are not permitted to be on my consumer report.
The late payments were a result of XXXX failing to notify me that my forbearance was coming to an end and instead of notifying me they put late payments on my credit report. The 10 late payments have been on my credit report since XX/XX/XXXX and have gravely affected my life and credit worthiness. Ive been denied credit cards, home loans, car loans, business lines of credit and even jobs due to these items being negligently reported on my credit report despite numerous disputes being submitted. For three years, I have suffered, and it must come to an end today. I have attached the article for review.
These accounts were transferred to Aidvantage from XXXX. XXXX was sued in XXXX for incorrectly reporting the payment history of millions of consumers. I am one of those consumers affected by this error.
Aidvantage sent me a generic response without properly investigating my claims. These late payments have gravely injured me and defamed my character. Causing me to not qualify for life enhancing opportunities.
I have no relationship with Aidvantage, neither did I consent to them having my personal information.
|
| 09/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
Servicemember |
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AIDVANTAGE IS NOT PROVIFING ME MY MASTER PROMISSORY NOTE. I SPOKE WITH A REPRESENTATIVE FROM THEIR COMPANY TWO WEEKS AGO THEY STATED THEY WOULD EMAIL ME THE DOCUMENTS.
I am aware there is a past due balance and agree to pay the following financial obligation regarding ACCOUNT : XXXX to which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of receiving this Conditional Acceptance sent certified mail return receipt XXXX XXXX XXXX XXXX XXXX requested you deliver to me the following : provide a copy of the master promissory note and disclosures according to The Truth and Lending Act.
provide a validation of the debt, that, production of account and the general ledger statement.
Verification of your claim against XXXX XXXX XXXX that is, a signed Invoice.
A copy of the Contract binding both AIDVANTAGE and XXXX XXXX send that letter by recorded delivery so that there is an independent witness to it having been delivered.
A statement admitting whether you are the holder in due course or whether you are a servicer.
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization.
IN THE EVENT YOU HAVE BEEN SECURITIZING MY NOTES AND FAILED TO PROVIDE ME MY SHARE, I WOULD LIKE TO BE REIMBURSED MY 80 % WHICH I AM ENTITLED TO RECEIVE BY LAW, IF THEY WERE SOLD IN SECONDARY MARKET. PLEASE REDIRECT MY SECURITIES TO THE UNITED STATES TREASURY SO THAT THEY MAY BE SECURITIZED THROUGH MY TREASURYDIRECT ACCOUNT XXXX.
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to.
The XXXX number under which my loan was securitized to.
Make available for visual inspection my original wet ink promissory note ( not a photocopy ).
IF YOU CAN NOT SUPPLY THIS INFORMATION, I WILL BE FORCED TO FILE A CMPLAINT WITH THE SECURITIES AND EXCHANGE COMMISION IN WHICH YOU ARE GOVERNED.
Thank you for your time and attention to this matter.
Respectfully, XXXX XXXX XXXX XXXX BENEFICIARY Authorized Representative for XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
STAMPED ( LAWFUL MONEY THAT GOES TO THE QUEEN ) AND ENDORSED STATEMENT WAS SENT TO THE INDENTURED TRUSTEE XXXX XXXX XXXX XXXX, XXXX. FOR CANCELLATION OF THE SAID DEBT AND REQUEST FOR PROPER TAX FILING BE MADE.
THE US DEPARTMENT OF EDUCATION STATED IN FERPA THEY WOULD NOT SHARE ANY OF MY INFORMATION THIS IS A VIOLATION.
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| 02/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with XXXX, XXXX and XXXX. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by Dept of ED/Aidvantage . My current loan servicer is XXXX with a balance of XXXX, XXXX after consolidation and transfer from Aidvantage thus zeroing out these amounts with Aidvantage.
My XXXX report currently shows my correct balance of XXXX with XXXX in addition to an extra XXXX and the XXXX under Aidvantage that was consolidated and transferred to XXXX. This makes my student debt total with XXXX XXXX when it should only be XXXX XXXX and the Aidvantage balance should be XXXX.
My XXXX report shows the correct XXXX amount of XXXX and an Aidvantage balance of XXXX for a student debt total of XXXX when the XXXX balance is XXXX and the Aidvantage balance should be XXXX.
My XXXX report currently shows XXXX with a balance of XXXX and Aidvantage balances of XXXX, XXXX, XXXX for a total student debt of XXXX, XXXX. The correct information is XXXX XXXX, XXXX and Aidvantage balances are XXXX.
My attempts to correct these discrepancies began in XX/XX/2022 with Dispute Report # XXXX. XXXX reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report # XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. Another dispute was filed by phone and on the website following the procedure required by XXXX, Report # XXXX, on XX/XX/2022 for the same issue after calling both XXXX and DEPT OF ED AIDVANTAGE to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and Aidvantage reported the same information that I have relayed here. Aidvantage reports that my loans have been transferred from them to XXXX and are closed.
|
| 10/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Older American |
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First of all, my spouse initially applied for PSLF in XXXX; denied based on not having the 'correct loan repayment plan ' despite having made 120 payments on time and working for state universities ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. This denial has since been exposed as not a legitimate reason for denial.
In XXXX my spouse died. I called MyFedLoan in XX/XX/XXXX. They said to send a letter requesting discharge and a copy of the death certificate which I did. I assumed it was going to be discharged and heard nothing. In XXXX I looked at my credit report and saw the student loan on there. I was alarmed so I called them again. I received many condolences and apologies and was told it would be escalated to management.
Again, I heard nothing ; I was told it might move slowly due to COVID, so I waited until XXXX, and at this time I was so distraught and traumatized by the whole mess -- this is the response I got : " FedLoan has escalated the issue, the people I spoke to agreed that this is a horrendous mess, and they are mailing a document that contains the entire loan history. There was some history on the FedLoan side of things that said they recommended a write-off for the loans after you sent the death cert, but they weren't able to really tell me more than that. '' So, again, I assumed it was being taken care of. I never received anything and then suddenly MyFedLoan site disappeared and I was logging into FSAid. FSAid showed a XXXX balance from the time I logged in until now. I have screen shots of this balance. I assumed it was taken care of.
A couple weeks ago ( XX/XX/XXXX ) I received a bill in my dead husband 's name saying that the whole amount was due. I also received the same bill in my name in the whole amount of the loan. We have been 'switched around ' by loan servicers, initiated by them, not us. From MyFedLoan to XXXX back to MyFedLoan to FSAId and now to XXXX. Each time in the past XXXX XXXX years there is a change, my dead spouse seems to be brought back to life and is asked to start repaying a loan that should have been first of all given PSLF and secondly should have been discharged due to death. I have sent the death certificate to many people, many accounts, many times. My spouse took out all the loans initially. I have no idea if somewhere along the way someone consolidated us, or advised to consolidate. My spouse handled all of the loans and repayment ( always on time ).
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| 11/19/2021 |
Yes |
- Student loan
- Private student loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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1.I have never had an account with this company DEPT OF EDXXXX, REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are DEPT OF ED/XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 07/10/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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AidVantage denied my federal loan refund which is authorized by the CARES Act -- On XX/XX/XXXX, I called AidVantage to request a refund of the federal loan payments I made during the pandemic, but according to AidVantage, my request has been denied by the Department of Education. I requested funds that I paid from XX/XX/XXXX- XX/XX/XXXX in the amount of {$5700.00}. AidVantage did not provide me with a clear explanation for the denial, and to date, I have not received my refund as promised despite multiple phone calls with AidVantage representatives.
The AidVantage representative I spoke with on XX/XX/XXXX initiated my refund request without an issue, and per her guidance, I called again on XX/XX/XXXX to check the status. On XX/XX/XXXX, I was informed that the Department of Treasury was approving my refund and I should expect to see the funds in my checking account within XXXX weeks. However, I still hadn't received my funds. I called AidVantage again on XX/XX/XXXX ( spoke with XXXX ) and was informed that " my request did not go through the Department of Education. '' XXXX told me that refund amounts about {$3000.00} need additional approval and somehow my request was denied, although she could not relay the issue to me. Her explanations were rather vague. XXXX said she escalated my case for reconsideration.
A bit of background - I continued to pay my loan payments throughout the entire pandemic, XX/XX/XXXX- XX/XX/XXXX, despite not being required to make payments.
I wanted to take advantage of XXXX interest ; however, given the continued payments extensions, a need for my money, and uncertainty from a political perspective about student loans, I requested a refund. Also, I have a perfect history of paying my federal student loans on time since summer XXXX, so I do not understand why AidVantage is holding up my refund.
I'm afraid that AidVantage is imposing their own rules for requested loan refunds, particularly for the extra approval hoops required for refunds above {$3000.00}. I am unaware that the CARES Act set any upper bound for loan amounts. I understood that any payments, despite the amount, are eligible for a refund. Additionally, AidVantage has not provided me with any written documentation/confirmation of initiating the refund which is also a concern since there is a lack of a paper trail.
Thank you in advance for your assistance! I hope that other folks are not in my situation!
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| 09/05/2023 |
Yes |
- Debt collection
- Federal student loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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Dear Sir/Madam, I am writing to file a formal consumer complaint against the Department of Education and related entities regarding false and deceptive practices on my credit report or consumer report. I believe these actions have unjustly impacted my financial standing and creditworthiness.
I have recently reviewed my credit report and discovered several alleged debts that I am confident I do not owe. These accounts, which are purportedly associated with student loans, are inaccurately reported on my credit report. The false information has significantly affected my credit score and, consequently, my ability to secure loans and access financial opportunities.
Key issues of concern in this complaint include : 1. Inaccurate Reporting : The accounts in question are not valid debts owed by me. I have diligently kept records of my student loan payments, and these discrepancies are unjustified.
2. Damaging Credit Impact : The inclusion of these false debts on my credit report has had a detrimental effect on my credit score, making it difficult for me to obtain favorable terms on loans, credit cards, and other financial products.
Furthermore, I wish to assert my rights under 15 USC 1681 regarding permissible purpose. It is my understanding that consumer reports may only be provided to parties with a permissible purpose under the law. I question whether the Department of Education and related entities had a permissible purpose for providing inaccurate and damaging information to credit reporting agencies.
I kindly request that the Department of Education promptly investigate this matter, correct the inaccuracies on my credit report, and take appropriate actions to rectify the damage done to my creditworthiness. I believe in the importance of accurate and fair reporting, and I trust that the relevant authorities will ensure this is upheld.
Please find enclosed copies of supporting documents, including evidence of my loan payments and any relevant correspondence. I am more than willing to cooperate fully with your investigation and provide any additional information that may be required.
I look forward to a timely resolution to this matter and request that you keep me informed of the progress of your investigation.
Thank you for your attention to this serious issue. I anticipate your prompt action in rectifying these false and damaging entries on my credit report.
Sincerely, XXXX XXXX
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| 10/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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AIDVANTAGE IS SENDING OUT FRAUDULENT LETTERS I received a letter in error from Aidvantage dated XXXX XXXX XXXX regarding consolidation application denial. MY FEDERAL LOANS WERE CONSOLIDATED WITH THE DEPARTMENT OF EDUCATION - 6 MOS. AGO ( Effective : XXXX XXXX XXXX ). Yet, I am receiving a denial letter 6 months later from Aidvantage.
My federal ( FFELP ) loans with XXXX ( since XXXX ) were directly consolidated with the Department of Education back in XXXX XXXX XXXX XXXX. I am in repayment under the Direct Loan Consolidation program with the Department of Education. I am on the SAVE plan and a candidate for the IDR Waiver - one-time payment account adjustment.
Not only is Aidvantage 's letter a significant error of fact and context, but it demonstrates false claims of ineligibility. This translates to fraud and abuse. I am demanding a retraction and correction letter from Aidvantage immediately. My loan servicer is no longer XXXX, and it has never been Aidvantage! My loan servicer is XXXX XXXX who are also committing serious issues of their own but that is a different case entirely.
For the record, I have also received email an official notification from the Department of Education that I am a candidate for loan forgiveness under the IDR one-time payment account adjustment aka IDR Waiver. In fact, there is no better poster child for Direct Loan Consolidation with the Department of Education and IDR Waiver than me.
Please note I have put Aidvantage on notice that my demand / complaint letter to them dated XX/XX/XXXX is being used with other exhibits attached to a formal complaint against Aidvantage which will be directed to the states attorney general office and regulatory agencies, which cite Aidvantages continued widespread failure, abuse, and unlawful conduct on behalf of its parent company Maximus Federal Services.
Please investigate Aidvantage 's senseless, and what I believe are intentional errors, because Aidvantage ( Maximus ) is really for all intents and purposes XXXX XXXX ( my former loan servicer ) who is still harassing me with refinancing letters with them in order to try and scam me out of student debt relief! In this regard, on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have notified Navient of these wicked and deceptive practices. This is public record.
I can be reached any time by phone or email.
Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Subject : Formal Complaint Regarding Severe Negative Impact on Credit Score due to Federal Student Loans I am writing to file a formal complaint regarding a significant issue that has severely impacted my credit score due to federal student loans. I believe that this situation is unjust and requires immediate attention to rectify the damage caused to my credit profile.
Federal student loans, managed by authorized student loan service providers selected by the federal government, should not negatively affect credit scores. However, since the disbursement of my first federal student loans by the Department of Education-selected student loan service provider XXXX XXXX XXXX XXXX XXXX " XXXX '' ), followed by Department of Education-selected student loan service provider Aidvantage, my credit score has plummeted by over XXXX points. This decline in my credit score not only undermines my financial stability and ability to navigate in this country but also hampers my prospects for obtaining non-governmental federal loans at low interest rates which represent my previously long held excellent credit score critical to my financial well-being, security and furthering my education.
The service loan providers involved in this matter are as follows : Service Loan Provider XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone : ( XXXX ) XXXX Service Loan Provider : DEPT OF ED/AIDVANTAGE Address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX ) XXXX I understand that federal student loans are meant to support students ' education and financial well-being. However, the unintended consequence of negatively impacting my credit score severely undermines the purpose of these loans and puts undue financial stress on individuals like me.
I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate action to rectify the damage done to my credit score due to federal student loans. It is essential that corrective measures are taken to prevent this issue from affecting other individuals who rely on federal student loans to pursue higher education.
I appreciate your attention to this matter and your dedication to consumer protection. Please keep me informed about the progress of this complaint and any actions taken to address the issue.
Thank you for your time and assistance.
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| 08/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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On XX/XX/2023, I made a payment of {$1000.00} to be applied in repayment of my federal student loan to my then-assigned Student Loan Service Provider, XXXX. The payment processed and was cleared on XX/XX/2023. In the ensuing months, XXXX was absorbed by another student loan service provider called Aidvantage. I was sent an email communication notifying me of this change, created a new login for my account under Aidvantage, and saw that my previous payment of {$1000.00} was not appearing in my account details. I have called Aidvantage multiple times requesting this be fixed only to find it still has not been fixed and have provided Aidvantage with the payment confirmation details from XXXX ( the proof of payment provided was an official email/digital receipt that was emailed to me inclusive of the payment confirmation details, account number, and related dates ). I have since called Aidvantage again only to be told that they have conducted an investigation and they have concluded they require me to provide a bank statement showing proof of payment to XXXX. It is the student loan provider 's responsibility to maintain loan records and - to the extent a loan service provider is either absorbed by another student loan service provider or is the student loan service absorbing another- it is the SOLE RESPONSIBILITY of the student loan service provider in question to maintain accurate transactional records of the accounts in which they are taking over. I have spent countless hours dedicated to trying to fix this issue to no avail. The first time I called to address this issue should have been the last time. However, it was not and I have now opened repeated requests for further payment history to be shared on my account. It is the responsibility of XXXX and the due diligence of the acquiring party, Aidadvantage, to have absolutely ensured accountability of ALL PAYMENT RECORDS made by account holders. I am now being told I need to provide further bank statements as proof of payment. Nowhere is there policy information provided pertaining to requiring bank statement records in order to ensure my previous payments are posted to my account - outside of providing the receipts sent to me by XXXX of payments made, I should not be held accountable or required to take further action on ensuring payment records are kept accurate between XXXX and Aidvantage.
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| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX, I filed an XXXX credit dispute [ Report Number XXXX ] with Aidvantage regarding false and incorrect information on my XXXX credit report relating to a 90-day late payment on nine education loans with the agency listed solely in XX/XX/XXXX, despite that according to its own records my loans were on-time and current for XX/XX/XXXX and preceding. [ The same is true for reporting on XXXX and XXXX ]. The dispute and investigation returned back with no changes made to the reporting.
On XX/XX/XXXX, I spoke with XXXX agent XXXX regarding the dispute above report, asserting that a 90-day late payment can not exist immediately following the agencys own reported on-time payment the month prior and that I was seeking remedies to the agencys and Aidvantage 's failure to correct the issue. To this end, XXXX, in recorded statements, stated the following ( consecutively ) verbatim : XXXX ( XXXX to XXXX ) : I just want to see what other dates where theyre showing anything past due because it doesnt make sense youre right it doesnt make sense that it goes from nothing past due all the way up to 90 days late. So lets redispute it and we can get those facts in.
XXXX ( XXXX to XXXX ) : It is showing current on XX/XX/XXXX... then it went straight from current to 90 days ... they reported twice in that month... that's strange... they reported on XXXX and they reported on, again, the same month, XXXX that you were 90 days late ... '' XXXX ( XXXX to XXXX : " There's definitely things they need to fix ... and people think that XXXX can fix it and we can't, we can only be kind of your in-between person helping you get it disputed... I know it's frustrating but I'm going to go ahead and put that it shows 'on-time and current ' on XX/XX/XXXX ... '' XXXX ( XXXX XXXX XXXX ) : This should not be showing 90 days past due It showed on time and current on XX/XX/XXXX. Then went directly to 90 days late and reported twice on XX/XX/XXXX and XX/XX/XXXX.
I would go to file a dispute again given Kims claim that she would be providing the additional information, as well as her own accounts based on the information she gathered and perceived on XX/XX/XXXX [ Report XXXX XXXX ]. However, this dispute, too, would be denied any changes, alterations or explanations.
See the recording between XXXX and " XXXX '' at XXXX. Time stamps refer to audio time locations.
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| 12/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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The issue I have in my case is pretty straight forward. On XX/XX/2022, I requested that my former loan service provider, XXXX XXXX, refund my student loan payment ( s ) that I made during COVID and to reopen my loan balance so that I could apply for the Temporary Public Student Loan Forgiveness ( TPLSF ) Program. The total amount I paid was {$26000.00}. This closed out my student loan balance at that time. This closed out my student loan balance at that time. The payment was processed on XX/XX/2022 by XXXX XXXX, which is the first date that one could request a refund of a payment.
Under the rules of the COVID Relief and what not, borrowers are allowed to request their loan payments made during COVID even if it paid the balance in full. I also filed my TPSLF at the time I made the request to have my COVID payment ( s ) refunded to me.
I made this request not only via email, but over the phone and I also sent a certified letter ( I have all of my documentation, including the return receipt ). I followed up with XXXX XXXX at the end of XX/XX/2022 and was told that my payment had been reversed ; and, therefore, my account had been transferred to AidVantage on XX/XX/2022.
To date, I have heard NOTHING. I never received a closeout letter from XXXX indicated that the new balance was transferred to AidVantage and certainly nothing from AidVantage. I never recieved a payment either of the refunded payment amount. I tried to contact XXXX XXXX and there is no way to contact them.
I have several screen shots from my XXXX XXXX account when it was still a viable entity, but they completely wiped out my account at a certain point so that none of my history was located in the account.
I have tried to contact AidVantage repeatedly and they have no record of me. This is getting utterly frustrating and there is no way for me to fix this issue without filing this complaint b/c I seem to be lost in the abyss.
Attached please find a copy of the certified letter I sent XXXX XXXX back in early XXXX asking for the refund to be processed well within the timeline required. I also believe I have emails from XXXX XXXX when I sent the requests via email as well ( that they did not ever respond to ), but I would have to locate them. I also attached a couple of additional supporting documents to better support my position.
PLEASE SOMEONE HELP!
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| 12/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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The issue I have in my case is pretty straight forward. On XX/XX/2022, I requested that my former loan service provider, XXXX XXXX, refund my student loan payment ( XXXX ) that I made during XXXX and to reopen my loan balance so that I could apply for the Temporary Public Student Loan Forgiveness ( TPLSF ) Program. The total amount I paid was {$26000.00}. This closed out my student loan balance at that time. This closed out my student loan balance at that time. The payment was processed on XX/XX/2022, by XXXX XXXX, which is the first date that one could request a refund of a payment.
Under the rules of the XXXX XXXX and what not, borrowers are allowed to request their loan payments made during XXXX even if it paid the balance in full. I also filed my TPSLF at the time I made the request to have my XXXX payment ( XXXX ) refunded to me.
I made this request not only via email, but over the phone and I also sent a certified letter ( I have all of my documentation, including the return receipt ). I followed up with XXXX XXXX at the end of XX/XX/2022 and was told that my payment had been reversed ; and, therefore, my account had been transferred to AidVantage on XX/XX/2022.
To date, I have heard NOTHING. I never received a closeout letter from XXXX indicated that the new balance was transferred to AidVantage and certainly nothing from AidVantage. I never recieved a payment either of the refunded payment amount. I tried to contact XXXX XXXX and there is no way to contact them.
I have several screen shots from my XXXX XXXX account when it was still a viable entity, but they completely wiped out my account at a certain point so that none of my history was located in the account.
I have tried to contact AidVantage repeatedly and they have no record of me. This is getting utterly frustrating and there is no way for me to fix this issue without filing this complaint b/c I seem to be lost in the abyss.
Attached please find a copy of the certified letter I sent XXXX XXXX back in early XXXX asking for the refund to be processed well within the timeline required. I also believe I have emails from XXXX XXXX when I sent the requests via email as well ( that they did not ever respond to ), but I would have to locate them. I also attached a couple of additional supporting documents to better support my position.
PLEASE SOMEONE HELP!
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| 11/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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Summary : Calls to my loan service provider ( Aidvantage ) consistently hang up in the middle of the conversation, with no callback service provided.
Details : My loan service provider is Aidvantage. The typical hold time to speak to a representative is upwards of 1hr. Nearly every time I have gotten through to speak with a representative, the call will drop on Aidvantage 's end as I am in the middle of conversing with the representative. I would estimate that this happens on approximately 80 % of calls to Aidvantage, in my experience.
Because I have grown accustom to expecting the call to drop, I had requested at the beginning of my calls that Aidvantage call me back directly if the call drops. However, Aidvantage representatives told me that Aidvantage does not do any callbacks. So, to get a complete answer to my question, I have to call the customer service number again and wait on hold all over again, often just for the call to drop a second time once I get through to a representative.
The practical consequence of this means that my typical experience with Aidvantage is as follows : I will have to wait on an extensive hold, generally for over an hour, each time I want to speak to a representative. Once I get off hold, I will begin explaining my issue to the representative. As the representative is in the middle of her explanation, the phone call will hang up. After hanging up, I will receive no callback or follow-up email from Aidvantage. Assuming my question had not been answered, I will then have to start from the beginning, calling the customer service line and waiting on hold to get a representative. During the second call, I will have to rush to explain my situation and where the previous representative had left off. If I request that the second representative jot my number down since the calls consistently drop, the representative will tell me that it's against Aidvantage 's policy to perform callbacks. I then have to hope that the call does not drop a second time ( or third, or fourth, as the case may be ) before my question is answered.
Aidvantage needs to be held accountable to correct its faulty phone lines and unacceptable " no callback '' policy. Its current policy has wasted countless hours of my time. And based on a cursory XXXX search, it appears that many others have had this experience as well.
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| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Every company dealing with a consumer has agreed they would follow certain regulations and if they chose not to I have proper authorities to inform.
I am writing to bring to your attention a concerning matter regarding U.S. Department of Education/Aidvantage ( Official Servicer Of Federal Student Aid ) and its potential violation of The Family Educational Rights and Privacy Act ( FERPA ), a federal law established in 1974 to safeguard the privacy of student education records.
It has come to my attention that there may be instances where Aidvantage has not adhered to the provisions outlined in FERPA, which clearly stipulates the protection of student education records in both public and private educational institutions.
Specifically, I am concerned about violation of 20 U.S. Code 1232g. This federal law mandates that educational agencies, including Aidvantage, must provide parents with an opportunity to challenge inaccurate or inappropriate information in their child 's education records. It has come to my attention that Aidvantage may not be meeting this requirement.
Furthermore, the law specifies that no funds under any applicable program shall be made available to a State educational agency that, knowingly or not, denies or effectively prevents parents from inspecting and reviewing the education records of their children. This includes records maintained by the State educational agency on students who are or have been in attendance at any school under the jurisdiction of an educational agency or institution covered by this law. This action not only raises serious privacy concerns but also undermines the fundamental rights granted to students and their families under FERPA.
As outlined in 20 USC 1232g ( b ), FERPA applies to a broad spectrum of educational institutions, including post-secondary schools. Therefore, any violation of FERPA by Aidvantage should be thoroughly investigated and addressed promptly.
I kindly request that you initiate an investigation into this matter to determine the extent of the alleged FERPA violation by Aidvantage. Additionally, I urge you to take appropriate corrective actions to ensure that such breaches do not recur in the future.
Thank you for your attention to this matter, and I trust that you will handle this complaint with the seriousness it deserves.
Sincerely, XXXX XXXX
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| 10/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I called Aidvantage about reinstating my student loans that were paid off over the pandemic. I called them on XX/XX/XXXX and was told I would recieve a refund XXXX weeks from that day. ( That timeframe was XX/XX/XXXX to XX/XX/XXXX ). I called them on XX/XX/XXXX ( week five since initially calling on XX/XX/XXXX ) to get an update because I hadn't seen my loan balance change from {$0.00} and certainly did not receive a refund at that time. The representative I spoke to said it was supposed to be processed and send out to the DoE on XXXX but it was delayed and they still were processing it. They said that I should expect to see the loans reinstated the following week. I then called the following week on XX/XX/XXXX. The first person I spoke to said " your loan was sent on XX/XX/XXXX and you should be seeing a refund XXXX weeks from that time ''. That didn't sit well with me so I called back to reconfirm that information and the second person I spoke to said that it was still processing and not actually sent out. She said to call back in a week. I once again called back yesterday, XX/XX/XXXX, and the lady gave me more contradicting information.. all the representatives I spoke with gave me a different story. It has now been 7 weeks to the day since I initially called to have my loans reinstated and it is still " processing '', which they can not define what that means, and it has not left aidvantages hands. They are now telling me that I should give it til the end of the month at the very least before calling back. I want my loan reinstatement processed immediately so that I have a balance to be apply for the loan forgiveness by the suggested XX/XX/XXXX date. I payed off my student loans over the pandemic and did my due diligence and now when it comes time for them to reinstate them, they are not acting in a timely manner and preventing me from applying for forgiveness. There are others who have called after my that have already had their loans reinstated and I need clarification immediately. I have called them multiple times, had my case escalated, submitted a complaint on their website and nothing is working. Every person I speak to gives me different information and give me the go around. I am completely in the dark and they provide no paper trail or insight as to were your loan is in the process of being " processed ''
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| 01/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
Servicemember |
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On XXXX XX/XX/2022, I submitted a refund request for the loan payments I made after the XXXX student loan payment pause. I was initially informed it would be XXXX to XXXX weeks for processing. After XXXX weeks, I called to check on the repayment and was informed it would be now XXXX to XXXX weeks for processing. I asked to check on my status and was informed that they would have to transfer me. Then the phone hung up. After XXXX weeks had passed, I called to ask what the status was and they informed me that it could be more than XXXX weeks. I asked to get more details on my refund status and again was told that they would have to transfer me. Again, the phone hung up. I called back and asked to get my details. Yet again, they transferred me where the call ended. I called again and told them that I want to talk to a supervisor. I was told that they would transfer me to an account XXXX and just hold. This time it was successful.
The account XXXX provided conflicting information. She said that she could confirm that the request was sent to the Department of Education on XXXX XXXX and that there is nothing else they are involved with. The account XXXX informed me that she heard that the Department of Education is now sending them out in the mail. And then asked to confirm my address. I asked why does she need me to confirm my address if there is nothing more on their end is to be done with the refund. I asked her to provide documentation on payments being only made via mailed checks and told her that I was always informed that it would be deposited in the checking account that I used to make the payments. I did not receive any documentation substantiating her claims.
It took XXXX tries to reach an " account XXXX, '' and only after requesting to speak to a representative. All the previous times they literally hung up on me after telling me that they would transfer me. When I asked for a direct number to an account XXXX early on in my calls, I called a number and it went straight to either voicemail or non-functioning number ( can't remember which, but the result was the same -- no help ). And they continually increased the time range for receiving my refund. And this was only after I called to ask. And then tell me things that they were unwilling to provide written documentation to back up their claims.
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| 10/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Problem with your payment plan
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Web |
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XXXX XXXX called aidvantage. Was told combo plan was best option and i gave the woman on phone all my info so she could process this. She said my payment would go from XXXX to XXXX per month. My XXXX loan was ineligible for save so it would remain ibr. All other loans would be save plan XXXX XXXX got an email from aidvantage my monthly plan would be XXXX. Called and spoke to someone at aidvantage. Gave her my info again. She told me it would be XXXX month XXXX XXXX again i get an email saying my monthly payment is XXXX. I go on student aid .gov and fill out another application. This time i get it in writing and take screen shots that best plan is combo plan- save and ibr . I call and speak with rep. Initially she tells me yes its XXXX, they have no record of my combo plan- but then she gets on phone with her supervisor who says it shows XXXX in one location but they assure me on their side its XXXX /month. My XXXX payment will be XXXX month XXXX XXXX i get a notice my loan is in forebearance XXXX XXXX i call and speak with aidvantage. I spend 2 hrs on hold. Speak with rep who says things are still processing. Ignore their emails. She tells me it should be corrected by XXXX. We hang up, then she calls me back and leaves a VM that i need to do an exit procedure actually.
I call back and wait for 1 hour. Tell new rep about the vm. She says she will look into it and then hangs up on me.
I call back again. Wait for over an hour and I speak with a different rep who says I need to pay to exit my existing ibr plan, i do this because at this point i dont know whats truth or fiction but I am desperate for this to be handled. Then she says it says i am on a pay as you earn plan. She doesnt really resolve problem but says if i dont pay this exit fee then my loan repayment plan will just be held up or rejected without reason.
Today is XXXX i have completely lost faith in aidvantage and the federal governments ability to handle my student loan debt. The XXXX is unbearable, and there is no one to talk to about this. I am basically just told something different every time i call. I think they may be purposely be preventing me from accessing save plan so they can make more from me. Please stop collection and interest accruing until a resolution is found for us borrowers who are being told false information
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| 10/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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When AidVantage took over my student loans, I was previously paying on the same student loans and my monthly payments were approximately {$350.00} dollars with the same interest rate and same style plan. Last month the payment amount that AidVantage made me pay was {$480.00}. I called them at this time and asked them as to why on any other federal student loan borrower I had been working with they were charging so much more for repayments of the exact student loans. They stated that they would have a person look into this. It has now been one month and I have heard no word back from this on this issue.
Fast forward to today, I received my bill from AidVantage and I will now be required to pay {$630.00}. This is even more than what they charged me last month. I then called this morning and was on hold for approximately 45 minutes before I even was able to visit with a customer service person. When I began visiting with the person, they were not interested in listening to the concerns I had with why I am being charged so much more with their company than any other Federal Student Loan I have been associated with. She instead continued to try and include that if I had problems making payments there are other payment options available. I tried to tell her that at this time I did not want to consider another type of repayment plan, I just wanted to visit with someone that could look into why with AidVantage I am now required to pay several hundred more dollars per month on the same student loans on the same types of plan I have been on with other Federal Student Loan providers. If she could not help me with finding out this information, I asked to speak with someone that could further look into this. At this time she pushed the phone line over instantly into the ending portion of a phone call when the person is asked to answer the questions for customer service feedback. She did not say that she was doing this or that she would try to work with me on getting someone else that could possibly help with my concerns.
I then went to their online portal and sent in this information as well to them through e-mail and have once again requested to speak with someone that would possibly be able to help me understand why payments are now significantly more per month with no changes in my student loans.
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| 07/05/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Re : Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter. Please provide me with your statement of the amount owing as of XX/XX/2022 together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.
Each financial institution has an obligation to respect the privacy of its customers and to protect the security and confidentiality of the customers nonpublic personal information. DEPT OF EDXXXX reporting information on me to any consumer reporting agency and transferring my nonpublic information without my consent is a breach of this privacy obligation policy. DEPT OF ED/XX/XX/XXXX has failed to protect my nonpublic personal information which has resulted in substantial harm to my creditworthiness, credit standing, my general reputation of consumer and has inconvenience me with moving forward with my life. DEPT OF EDXXXX shall promptly notify all consumer reporting agencies of the inaccurate information and provide to the consumer reporting agencies any corrections to that information which should report all late payments from LATE as PAID AS AGEED.
I am also aware that NOTHING under the Fair Credit Reporting Act requires a financial institution to furnish negative information. I am also aware that an original instrument should have provided to me which I have yet to receive. If DEPT OF EDXX/XX/AIDVANTAGEdid in fact, send me my original instrument of indebtedness in its original form, please provide those documents as well.
Per the Freedom of Information Act, DEPT OF ED/XX/XX/XXXX has 15 days to respond. If any of the above information I requested can not be proven or DEPT OF ED/XX/XX/XXXX is unwilling to provide this information, this account must be UPDATED on my consumer report from LATE and PAID AS AGREED immediately to prevent further harm to me and my financial reputation.
It is my belief that DEPT OF ED/XX/XX/XXXX is engaging in unlawful extortionate means to collect on extensions of credit. Reporting inaccurate information on me without my consent and demanding I pay an alleged debt is a form of extortion. What lawful authority do you have to violate my right knowingly and willingly to privacy with forethought and malice?
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| 10/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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A note : I have also filed a complaint today regarding this issue with the department of federal student aid. I am filing here primarily to report the problems I have had with Aidvantage ( historically, XXXX ) so the problems are well-documented and others can see the problems with this company.
I am currently in school, attempting to pay interest + a little extra towards my grad school loans as I can. My loans are serviced by Aidvantage. My intention is to have each payment pay down any accrued interest across all my open loans, and then apply any remainder ( " overpayment '' ) to the loan with the highest balance. Although I have expressed this multiple times to Aidvantage on the phone and in email, and been assured by multiple representatives that this is how payments are processed by default at Aidvantage, my payments are not being applied this way, and instead are applied to just one loan, allowing the other loans to continue accruing/compounding interest. There does not appear to be a way among my automatic/online tools to ensure my desired result. I have had an extremely difficult time getting in touch with Aidvantage to resolve this. On calls, I have twice waited over 50 minutes only to be disconnected without any resolution or follow up ( with and without reaching a representative ). I am told to expect responses to emails within two days, but generally do not hear back until ten days later, and with messages not addressing my issues or requests. Meanwhile, as time passes, more and more payments are being misapplied to my loans in the same manner described above.
Prior to taking out my grad school loans, XXXX ( now Aidvantage ) serviced my loans. My attempts to pay my loans responsibly ( i.e. on a standard repayment, with overpayments as possible ) were also consistently mis-applied against my best interest and stated wishes. Wait times were long ; customer service agents contradicted each other, gave bad information, or were outright hostile/insulting. Eventually refinanced with a private lender to get away from them. Knowing this, I contacted Aidvantage prior to the lift of the COVID-19 hiatus expressing my overpayment direction instructions, and have documented every interaction I have had with them since. It took mere weeks for the nonsense to begin.
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| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In Accordance with the Fair Credit Reporting Act the following information has violated my rights.
All of the account information that needs to be deleted/Corrected is listed below!
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose ALL OF THE INFORMATION BELOW NEED TO BE DELETED/ Updated to on time payments ; Especially these derogatory late payments I am filing a complaint I need all of this information DELETED!
PERSONAL STATEMENTS : DELETE THIS TOO!
XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
XXXX Total balance : {$680.00} XXXX XXXX XXXX Original creditor XXXX Acct # XXXX Balance {$680.00} Balance updated XX/XX/XXXX XXXX Late payment accounts Total balance : {$81000.00} Student loans Total balance : {$81000.00} DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$2400.00} Balance updated Original XXXX {$2200.00} XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$3300.00} Balance updated Original bal {$3000.00} XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$67000.00} Balance updated Original bal {$49000.00} XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$3700.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX Balance Acct # XXXX {$1500.00} Balance updated XX/XX/XXXXXXXX U S DEPT OF EDXXXXXXXX XXXX XXXX Acct # XXXX Balance {$830.00} Balance updated XX/XX/XXXX XXXX
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| 01/31/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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WHERE DO I START.
Back around XXXX of 2022 they switched loan servicers for my student loans. I was originally with Fed Loans then switched to XXXX. The switch happened earlier that expected as I was planning on making my last payment on my student loans before XXXX hit. However by the time I logged in to do so, they had already turned off the ability to make a payment. Keep in mind this payment was my last payment of {$1800.00}. I tried to figure out who my new servicer was & continued to get the ring around until I finally got a letter in the mail on XX/XX/2022 that informed my my balance was {$3600.00}. I immediately went into freak out mode and started calling around to get this solved. XXXX told me I would have to contact Fed Loans so I did. Everytime I called FedLoans I would continue to get hang up on. ( to this day I am not sure why ) I calledevery day until someone claimed that I would have to call XXXX & prove it with the payment history. XXXX informed me they would send me a copy of my payment history in which they did. I compared it to all of my bank statements and proved where they went wrong. The manager I proved it to, stated that he too agreed with what went wrong and pointed out that the new balance was exactly doubled what I claimed my last payment was. I also showed him my payment history & explained that I was having a really hard time talking to anyone at Fed Loan. He assured me that he would take it up the ladder and have his assistant call me to provide me with an update every so often. He held true to this and his assistant called me a few times throughout XXXX. The last update I had from the assistant was XX/XX/2022 stating that they have reached out to Fed Loans to get an updated payment history that shows the correct payments posted. Since then, I have reached out to both companies and nobody has responded to me. I did just get another bill from XXXX stating my payments are resuming in XXXX with the XXXX being the balance. I have done everything in my power to fix this situation and I am beyond frustrated by it. I feel that they are taking full advantage of their power and using it against me as there are a bunch of penalties involved. If anyone could help me at this point, its you guys.
Thank you for taking the time to read this!
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| 03/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Aidvantage was sold my loan by XXXX. They have just recently become the active servicer for my loan and became listed on my credit report and other places as such. On XX/XX/XXXX and XXXX I received notifications to my email from the credit services I subscribe to that my score had dropped XXXX whole points.. I have been working on my credit for a year and this took all of that away..
It seems that Aidvantage placed remarks with all 3 credit bureaus. On XXXX they reported that my loan balance increased by over {$6000.00} and that I had made XXXX on time payments.
XXXX said that Aidvantage raised my credit limit and that there was an increase in my loan balance and it was now over {$31000.00} None of these remarks are factual, for one the interest rates have been at zero and payments have been and will be on hold until XX/XX/XXXX. I placed several calls to Aidvantage. The first representative told me to hold while she looked into the account and 18 minutes later I got the automated rate your call message.. So I called back this time the representative told me that She can not see anything on my account that would have caused them to report to the credit bureau she also said that they had no phone number for me to talk to the Department that was responsible for this happening but that I could write them a letter and proceeded to give me an address to do so.. Aidvantage has completely ruined my credit and my chances at getting a house and the only thing they can say is write a letter?! I am not sure why XXXX chose to sell to these people but they are awful and they do not care to fix what they messed up. In XXXX I received a 100 % loan forgiveness notification as well for these same loans that they are reporting to the credit bureaus and when I asked the representative about that she said she does not see it has been reported to them. Which I did reach out to student.gov who verified the forgiveness was approved and to give it a little more time and check back again which I plan to continue to do. If this company knew they could not handle the magnitude of new accounts that would be coming to them from XXXX they should have never signed on to do so.. You can not just inaccurately report on peoples credit and then do nothing to correct it.. This is unacceptable.
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| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Subject : Dispute and Request for Removal of Debt Older Than 7 Years from Credit Report Dear Sir/Madam , I am writing to formally dispute and request the removal of debt older than 7 years from my credit report. As per the Fair Credit Reporting Act ( FCRA ) section 605 ( a ), any derogatory information or negative account that is more than 7 years old should not be included in my credit report.
Upon reviewing my credit report from your agency, I have identified several accounts that are inaccurately reflecting debt that is beyond the 7-year time frame. This violates my rights as a consumer and misrepresents my current financial situation.
I kindly request that you promptly investigate these discrepancies and remove any accounts that fall under the aforementioned 7-year period from my credit report. Furthermore, I urge you to cease and desist from reporting any information related to these debts on my credit report and refrain from any future reporting that is in violation of the FCRA.
According to the FCRA, credit bureaus are responsible for ensuring the accuracy of the information they report. It is crucial for you to comply with the law and maintain accurate credit reports, which play a significant role in determining my creditworthiness and financial opportunities.
I expect your agency to complete a thorough investigation into the matter within 30 days, as required by the FCRA. In the event that these accounts are not removed as per the law, I may be forced to take further legal action to ensure my rights are upheld. Please consider this letter as an official notice of my intent to escalate the matter if necessary.
Enclosed with this letter, please find supporting documents that clearly outline the inaccuracies on my credit report. I kindly request that you review these documents in conjunction with your investigation.
I am confident that you will address this dispute promptly and take the necessary steps to rectify the inaccuracies on my credit report. Your full cooperation is expected to resolve this matter efficiently and in accordance with the law.
Thank you for your immediate attention to this important matter. I request written confirmation of receipt of this letter and updates on the progress of your investigation.
Yours sincerely
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| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To : { XXXX, XXXX, XXXX, AidAdvantage to include any other reporting agency! } Subject : Request for Removal of Student Loan Debt Information from Consumer Reports Under the Family Education Privacy Act of 1974 and Reporting of a ( DEBT that has already been XXXX by the GOVERNMENT ) Dear Sir/Madam, I am writing to formally request the removal of my student loan debt information from my consumer reports in accordance with the Family Education Privacy Act ( FERPA ) of 1974. I firmly believe that the presence of this information on my report may be in violation of the law, and I wish to outline the basis for my request as follows : 1. FERPA Protections : FERPA is a federal law designed to protect the privacy of student education records. As my student loan debt information may fall under the purview of FERPA, its inclusion on my consumer reports could potentially infringe upon my privacy rights as a student borrower.
2. Disclosure Without Consent : FERPA generally requires educational institutions to obtain written consent from students before disclosing their education records. If my student loan debt information has been reported without proper consent or in violation of FERPA, I request that it be addressed and rectified accordingly.
3. Privacy Rights : In consideration of FERPAs core principles regarding the confidentiality and privacy of student records, I kindly request that you investigate the reporting of my student loan debt and take necessary actions to ensure that my rights under FERPA are upheld.
I request that the Consumer Financial Protection Bureau review the reporting of my student loan debt in light of FERPA and take appropriate measures to address any potential violations of the law.
Enclosed with this letter, you will find supporting documentation and evidence that substantiate my claim. I am prepared to cooperate fully in any investigation or provide additional information if required.
I appreciate your immediate attention to this matter and kindly request that you keep me informed of any steps taken in response to my request. Please do not hesitate to contact me if further information is needed.
Thank you for your assistance in addressing this issue and ensuring compliance with the Family Education Privacy Act of 1974.
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| 09/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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On XX/XX/2023 I filed an application with Aidvantage on their website for the SAVE plan. Aside from a pop-up on the website, I never received confirmation of the application in email or letter. Further, even after submitting the application on Aidvantage, their dashboard still asks me to apply for an income-based repayment plan. To-date, XX/XX/2023 I still have not received confirmation of that application.
I called Aidvantage on XXXX XXXX XXXX XXXX to confirm whether they had received my application. Both times I was told they had no record of it, but to wait and see.
On XX/XX/2023, I filed a second application with studentaid.gov for the SAVE plan. I received email confirmation of my application the same day. On my studentaid.gov dashboard, I have confirmation that I applied for a SAVE plan with a repayment of {$500.00}.
On XX/XX/2023, I received an email from Aidvantage confirming my application from StudentLoans.gov had arrived. The email stated that they received an electronic application for an " Income-Driven Repayment ( IDR ) '' plan. I don't know why Aidvantage had an IDR application or why it called Studentaid.gov " StudentLoans.gov ''. The body of the email indicated Studentaid.gov.
On XX/XX/2023, I received an email from Aidvantage that my " IDR plan '' was approved for {$750.00}. I reviewed the document on Aidvantage 's website which also confirmed I was enrolled in the IDR plan. The same day, I called Aidvantage. I was on hold for about XXXX minutes before a customer service representative answered. The CSR indicated I had been processed erroneously for an IDR plan, that I was eligible for the SAVE plan, and the only option was for me to re-apply for the SAVE plan. She confirmed an estimated monthly payment of {$500.00}. She processed my now third application over the phone, and told me it would be 15 business days before it would be finalized.
To be clear, on Studentaid.gov, my application states I applied for the SAVE repayment plan.
When I asked why my application was processed incorrectly, the CSR could not tell me. They had no information on my file about why it was processed incorrectly. She said it's usually a system issue.
This issue is still not resolved. My repayment allegedly restarts on XX/XX/2023.
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| 12/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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On XXXX I requested a refund of payments made toward my student loans during the COVID payment pause. At that time I was quoted up to 6 weeks. Once that timeline did not come to fruition I submitted a CFPB complaint wherein I received the response pasted at the bottom. This response stated that the timeline was now slated as the timeframe after balance adjustment occurs has since been increased to four to eight weeks. The total timeframe for a refund is 10 to 14 weeks.
XX/XX/XXXX marked eight weeks and today, XX/XX/XXXX marks ten weeks, yet my balance on AidVantage still has yet to be updated indicating again, my refund has not been sent for processing. With total time for a refund quoted as 10 to 14 weeks Id like an update. My account is two weeks past the quoted deadline for my account balance to be updated on AidVantage therefore ultimately delaying my refund past the 10 to 14 weeks timeframe stated in the AidVantage response to my original complaint.
AidVantage is giving me the run around and mismanaging my finances. I would receive a late fee if I paid late, yet any answer they give me in regards to receiving my refund is supposed to be sufficient. AidVantage is negligent in their processing.
**response from AidVantage re : previous complaint to follow** STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. We reviewed your interaction with our representative on XX/XX/XXXX when you called to request a refund. During that call you were advised your refund would take four to six weeks after the request is approved. This is in line with the timeframes available at that time ; however, the timeframe after balance adjustment occurs has since been increased to four to eight weeks. The total timeframe for a refund is 10 to 14 weeks. We thank you for your patience during this process. Once your outstanding balance has been adjusted, it can be reviewed by logging into your account at XXXX or you can contact us at XXXX with any further questions you may have regarding your account. Please monitor the Department of Education 's FAQs at StudentAid.govXXXX as more information becomes available.
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| 12/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
Servicemember |
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Aidvantage put me into administrative forbearance without my authorization after I completed my application for the SAVE plan. Prior to this, I was confirmed in Autopay and had a .25 % interest rate reduction benefit, as I am actively paying down my loans as quickly as possible. I have an email/documentation confirming this benefit from them on XX/XX/XXXX. When they put me into administrative forbearance without my authorization on XX/XX/XXXX, the interest rate reduction was eliminated and my loans were accruing interest at their established rates again. I called and emailed Aidvantage, and spoke with them regarding this, and they advised me they would remove the forbearance and put me back on Autopay to allow for the interest rate reduction since I did not authorize this forbearance. They put me back into repayment on XX/XX/XXXX, which I have documentation of. The very next day on XX/XX/XXXX, they put me back into forbearance and again revoked the autopay .25 % interest rate reduction. I have emails/documentation of all of these occurrences. I called again on XX/XX/XXXX to check on the status of my SAVE application and request a credit/refund for the additional interest that accrued during this time at fault of them putting me in administrative forbearance. I waited XXXX hours on hold before the Aidvantage employee told me she was going to open a case and I would be contacted later. Today, they notified me that my case is closed, stating, " Your loans were in an Administrative forbearance while your Saving on a Valuable Education ( SAVE ) plan was being processed. The forbearance ended on XX/XX/XXXX. Auto Pay, along with the 0.25 % interest rate reduction aren't active unless your loans are in a repayment status ; therefore, both were placed on hold while your loans were in forbearance. I apologize foe the confusion.
Best Regards, XXXX, Loan Servicing Specialist Aidvantage - Official Servicer of Federal '' This has been an extremely unpleasant and frustrating experience. All of this has been done without my authorization, even after I took active steps to negate their unauthorized activity. I plan to notify as many governing bodies as possible to discuss Aidvantage 's negligence, unprofessionalism, and illegal activity.
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| 10/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I graduated from XXXX XXXX XXXX XXXX with a XXXX XXXX in XXXX XXXX in XXXX of XXXX. I have two federal student loans of {$20.00} that were taken out for this degree. I previously had taken out additional federal student loans to attend law school from XXXX to XXXX. I started to make payments in XXXX of XXXX on my law student loans. However, my student loan servicer aidVantage informed me in XX/XX/XXXX that my XXXX loans were now due as well because their records indicated that I was no longer a student since early XXXX of XXXX. This is not true. I was enrolled all the way through my dissertation and graduation in XXXX of XXXX. I wrote to them and emailed them about this mistake. I also contacted my school, and they went ahead and made sure the records reflected that I was still an active student. After a few weeks, aidVantage saw the mistake and corrected the error and place when as an XXXX XXXX. I thought that was the end of the problem. Unfortunately, this issue was brought up again this month.
In early XXXX, I received a change in my monthly student loan charge without explanation. It turns out that aidVantage went ahead and once again said that my deferment was over since " their records '' indicated that I left school in XXXX of XXXX and that my XXXX loan payments were not due. I contacted them by phone but to no avail. I emailed them and got no response. Finally, I wrote them a letter that included my transcripts showing that I recently graduated, and I included the past emails earlier in XXXX showing that this mistake had been clarify. Again, I received no response. Due to the short time and lack of explanation, I went ahead and made a payment on this new student loan amount to protect my credit score.
I received an email on XX/XX/XXXX, from aidVantage stating that they were responding to my email and instead of apologizing or asking for documents to correct they basically restated the same incorrect information ignoring the evidence and facts I and the school had provided them. They ask me to contact the school and for them to update records. In short, the people working at aidVantage either did not review my case or simply decided that they are in the right and want to collect regardless of the law.
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| 07/07/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Problem lowering your monthly payments
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Web |
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When the deferment started, I contacted XXXX to see what my payments would be after the deferment ends and my renewal application was activated. They ensured on several occasions that my remaining months at the payment I was making before the deferment started. On XX/XX/XXXX, I had my Income Driven Repayment plan renewed for {$170.00} to pay towards my outstanding student loan debt. I accepted that amount and moved on with my day. The loans are all under deferment and the last time i applied for my annual renewal was XX/XX/XXXX. Apparently, a few days later, another submission was made in my name with a much higher income input and done as a new application, not as a renewal, which takes away the months I had remaining on my old IDR plan from XXXX. This second application made my payments {$260.00}, almost double what i was paying before the deferment started, but by income has only increased a few XXXX dollars since then, no where near doubling. I spoke with 2 different representatives, one claiming to be the first ones manager and said the second submission is invalid and wasn't submitted by me. I wanted it removed and the first one that was approved 3 days before to be the one to use. They kept saying over and over there was nothing they could do except submit another application and override the second one. This is ridiculous and borderline illegal, in my opinion. I stated that I didn't submit it, had no confirmation of this higher amount, electronically or by mail. I didn't know this change until I spoke to them on XX/XX/XXXX because of a phone call they made to me to confirm my contact details. This was all a shock as its not stated on the main page when I log in what my payments will be when the deferment ends. I was on the phone with AidVantage for an hour and 15 minutes before finally agreeing to another application to get my payments to {$190.00} and i lose my 3 months I had left at the amount before deferment. They refused to dispute the second application. All I kept getting when asked why we couldn't use the original renewal app was, " Our system wont let us '', even though it was the valid submission and the manager agreed that I wouldn't of put in a second app knowing my current was already approved.
|
| 09/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
On XX/XX/XXXX, I entered into a Student Loan Repayment Program ; this was based out of a Collections Company called XXXX XXXX XXXX XXXX ; Account # XXXX. My Student Loans came out of default, and were being reported as current and in good standing.
I was paying {$5.00} a month.
As a result of the onset of the XXXXOVID-19 Pandemic, the CARES Act was enacted and all automatic payments debited from my debit card/checking account stopped.
Everything was fine, and I was waiting to be notified of my {$5.00} monthly payment resuming ; however, I never received notice.
Further, it is law under the Fair Credit Reporting Act ( FCRA ) that a company or agency must notify the consumer, in writing, of defaulted accounts and detailing the consequences if the consumer does not take action ; however, that is not the case here.
XXXX/U.S. Department of Education did not provide written notification of default and the consequences that would ensue if no action was taken ; rather, XXXXU.S. Department of Education took it upon themselves to place my CURRENT Student Loans in Collections.
I also find it interesting that the XXXX/U.S. Department of Education made this Adverse Credit Reporting decision as my spouse and I are trying to qualify for a Mortgage Loan.
On XX/XX/XXXX, I called XXXX/U.S. Department of Education and spoke with a person by the name of XXXX, who said it's best to keep my accounts are they are until XX/XX/XXXX, when the U.S. Department of Education begins their Fresh Start Program and to call back on XX/XX/XXXX to enroll. XXXX from XXXX/U.S. Department of Education refused to begin the process of helping get my Student Loans out of Collections. That same afternoon of XX/XX/XXXX, XXXX Customer Service ( XXXX ) sent me an email with the Subject : " Disputes ''.
On XX/XX/XXXX, I contacted the State of California, Department of Financial Protection and Innovation to file a complaint against XXXX/U.S. Department of Education ; however, they referred me back to XXXXt/U.S. Department of Education.
My spouse and I are currently " Under Contract '' and expected to Close on our new home on XX/XX/XXXX ; however, our Mortgage Lending Company is now asking questions about my Student Loans in Collections.
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
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On XXXX XXXX XXXX I received an email that my federal student loans were transferred to XXXX from Aidvantage due to my enrollment in PSLF. A few weeks later the Aidvantage loans dropped off my credit report and appeared under XXXX correctly. On XXXX XXXX XXXX I noticed my credit report had my federal student loans now duplicated after being correctly reported initially ; they were showing as if I had loans with both XXXX and Aidvantage. So instead of having {$60000.00} in federal student loans, my credit report is showing I have {$120000.00} in student loans. The day that I noticed this, I submitted an inquiry with Aidvantage, asking why this has happened. Five days later they replied and stated they were aware of the issue and NO OTHER ACTION IS NEEDED ON MY END. There was no timeline provided of when it might be fixed, no explanation for why this happened, or any other elaboration. The generic automated email I received when I submitted the inquiry provided information to submit a formal dispute in writing. I dont understand why I need to mail them my issue when I have already submitted an inquiry with a case number for their credit reporting error. After receiving this email I tried to call them during their business hours. The phone rang/I was on hold for nearly 40 minutes with no human interaction. I could not wait for them any longer so I hung up. I submitted another claim on XX/XX/ asking for more information and an explanation. I stressed that this is negatively impacting borrowers livelihoods. I am in need of a new car. I am not going to get approved for a car note with {$120000.00} of student loan debt on my credit report. Again, another automated response and this time I did not receive any acknowledgment nearly 2 weeks later. I see on a XXXX thread that this has happened to others as well. Why is Aidvantage treating this like a non-issue? Is it really that difficult to correct a credit report? I need this fixed immediately and I need answers yesterday. My intention with this complaint is to bring awareness to this issue. If Aidvantage does not take action from this complaint then I will be disputing the inaccurate reporting through either them or XXXX XXXX. This is absolutely unacceptable.
|
| 05/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
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Web |
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Aidvantage XXXX Department of Education XXXX XXXX XXXX sent me an email about a subsidized student loan being behind on payments during the mandated student loan freeze going through XXXX.
Email contents : " XXXX, we haven't received a payment from you.
Life is busy- and we know it can be easy to miss a payment, but falling behind can have real consequences. Please make a payment today!
Make a Payment Payment can be made online, over the phone or by mailing it to Aidvantage XXXX Department of Education XXXX XXXX, XXXX XXXX XXXX, XXXX, OR XXXX. Make sure to write your Account Number on the check or money order.
If you need help staying on track or you're struggling to make payments, we have options.
icon Enroll in Auto Pay- never miss a payment.
icon Lower your Monthly Payments - Income-Driven Repayment plans may help make your payments more manageable. Eligibility depends on your income, family size and loan program. For more information, visit StudentLoans.gov/IDR.
icon Temporarily Postpone Payments - deferment or forbearance options may be available to provide some relief depending on your circumstances.
Log in to your account to read the important details about your account status, potential consequences if the delinquency continues and ways to bring your account current.
We're here to help Visit us online at aidvantage.com or call us toll free at XXXX to discuss the options that may be available to you. We're here to help you Monday XXXX XXXX XXXX XXXX XXXX., Tuesday - Friday XXXX XXXX XXXX XXXX XXXX and Saturday XXXX XXXX XXXX XXXX XXXX ET. '' When I logged into their website, they had an alert up : " Youve missed 1 payment.
Pay Now or Contact Us Need help avoiding delinquency or default? " Looking at my accounts, they were listed as " past due ''.
This list of warnings and instructions made me pay the " past due '' amount, even though the loans are by law not required to be paid right now. Their deceptive warnings thus cost me well over {$1000.00} in immediate cost. It wasn't until after making a payment I saw a small notice on the top of the page saying that there was a student loan freeze in effect, but that was not included in the email saying I was behind and needed to pay.
|
| 08/12/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
Servicemember |
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My student loans were initially under XXXX with the account number XXXX - 1. I have several student loans that date all the way back to XXXX.
I initially took over {$140000.00} in student loans, between student loans for myself as well as parent plus loans. I have every intention on paying back the amount I took out. When the loans came due, after I graduated in XXXX, I couldn't afford them. I contacted the lender ( XXXX ) that told me I did not qualify for a reduction but I could use forbearance. This happened from XXXX until XXXX when the loans went to zero percent. Interest swelled over {$80000.00} and ultimately I will never be able to get ahead of them.
First, I had consolidated my loans and it appears the calculation for the weighted percentage was miscalculated ( I have added the details below on the loans ). I was being charged 6.75 %, of course now the interest is zero percent. During the consolidation, they also consolidated my subsidized loans, which didn't help me when I went back to school and my loans were put into deferral between my XXXX received in XXXX and my XXXX received in XXXX.
Student Amount Taken Interest Rate Date Drawn XXXX - XXXX XXXX {$3500.00} 1.76 % XX/XX/XXXX XXXX - XXXX XXXX {$3000.00} 1.76 % XX/XX/XXXX XXXX - XXXX {$9500.00} 6.80 % XX/XX/XXXX XXXX - XXXX {$10000.00} 6.80 % XX/XX/XXXX XXXX - XXXX {$7000.00} 6.80 % XX/XX/XXXX XXXX - XXXX {$5500.00} 4.50 % XX/XX/XXXX XXXX XXXX XXXXXXXX University {$8500.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX University {$12000.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX University {$20000.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX University {$10000.00} 5.41 % XX/XX/XXXX XXXX - XXXX {$15000.00} 7.90 % XX/XX/XXXX XXXX - XXXX {$3800.00} 7.90 % XX/XX/XXXX XXXX - XXXX {$2400.00} 7.90 % XX/XX/XXXX XXXX - XXXX {$3900.00} 7.90 % XX/XX/XXXX XXXX - XXXX {$12000.00} 6.84 % XX/XX/XXXX XXXX - XXXX {$7500.00} 6.31 % XX/XX/XXXX XXXX - XXXX {$12000.00} 7 % XX/XX/XXXX Total Federal Student Loans {$140000.00} Ultimately I am looking to wipe away the student loan interest as a fresh start so that I can start paying off my student loans. The monthly payment, once the loan is back in repayment is unaffordable. NOTE : the loan was recently transferred to Aidvantage
|
| 08/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Called Aidvantage on or about XXXX XXXX, 2023 after learning of Biden 's new student loan forgiveness efforts aimed at those with Income Driven Repayment plans ( this is the one that came after the Supreme Court shot down the earlier XXXX to XXXX student loan forgiveness effort ). I'd gotten an email from Dep't of Ed telling me I was one of the people whose remaining loans would be forgiven due to it's age and the fact that I was in an income driven repayment plan for a number of years. It sounded like good news so I went to the XXXX XXXX XXXX website for more information -- and it said go contact your loan servicer, which in my case, it was now Aidvantage. That's where the good feelings ended. Essentially, Aidvantage 's telephone rep refused to provide and clear answer to any question I asked about my loan and it's status relative to the newly announced debt relief program. I repeatedly had to assert that I was not calling about the debt relief program that had recently been quashed by the Supreme Court ( mentioned above ). Nonetheless, Aidvantage 's rep insisted on reading to me the company 's prepared statement relating to that Supreme Court ruling ( though I repeatedly BEGGED him to stop as he read on the end undaunted ). The telephone rep 's skill at providing vague answers and dodging questions altogether was definitely noteworthy and he seemed continually miffed when I would ask him to clarify the broad statements he would provide in response to fairly specific and even simple questions. Other questions would just be completely ignored, such as when about 24 minutes into the call I asked out of frustration to speak to a manager or supervisor. After around ten more minutes I simply had to give up and end the call. Aidvantage won. Afterward, I called the Department of Education 's Federal Student Aid Ombudsman 's line and explained my situation. The first person to answer the call ( no interminable phone menus ) was compassionate and helpful and friendly, and answered my questions at length and with great detail. It literally felt like I'd gone from being treated like a nuisance to -- within a few minutes -- being treated and spoken to like an intelligent person by another intelligent person.
|
| 08/10/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
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I have been given a slew of misinformation over the years.
- I was paying after my XXXX XXXX graduation while working at a non-profit. When I began grad school I was told that with my loans in in-school deferment, any payments I made would not count toward any type of forgiveness and ceasing payments would restart my payment clock.
-In XXXX I lost my job. I was XXXX with {$0.00} income. I called XXXX to figure out my options and was told the only thing I could do was a forbearance. Due to low income when I was working, my loans stayed in forbearance until I returned to school in XX/XX/XXXX. That is XXXX years of forbearance that should have been income-driven repayments. Yet I have heard nothing regarding the current XXXX XXXX dealing with exactly this issue.
-I have tried repeatedly with XXXX to get a full accounting of my loans, including original amounts, payments made, interest accruals and capitalizations, and forebearance and deferment dates. The only thing I have received does not include ANY of this info. This may be because of the XXXX XXXX to XXXX transfer, because I'm running into the same lack of information with AidVantage. But their transfer should not bring difficulties for the borrower. If they can figure out how to transfer the dollar amounts, they can figure out how to transfer all other information regarding that loan.
-There are loans on my account which do not match with dates of attendance. I have tried to work with XXXX XXXX AidVantage to figure this out and get it fixed, but have not had any response let alone actual help in resolving.
-I am currently consolidating for the PSLFA and need this information to be correct, both for that Public Service Loan Forgiveness and the XXXX XXXX. I am getting NOWHERE with my loan servicers. When I completed the consolidation application, I requested it not start for 3 months ( this is how the website details it ) which would be XX/XX/XXXX. I received a letter that repayment would start asap which should not be the case since it is not supposed to start until XXXX. I called for clarification, which they did clarify XXXX. I asked for documentation but instead I received another letter that it would start in 10 days. Please help.
|
| 02/06/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
In XX/XX/XXXX, XXXX XXXX transferred my loans in the amount of approx {$12000.00} to XXXX.
My loans were then consolidated through XXXX XXXX XXXX.
On XX/XX/XXXX I received an email from XXXX XXXX XXXX that my loans were consolidated to the amount of approx {$14000.00}.
I made monthly payments on time from XX/XX/XXXX - XX/XX/XXXX.
In XX/XX/XXXX, I received an email from XXXX saying my student loans were paid in full but I did not see this email as i was limited in my access to internet at the time.
In XX/XX/XXXX XXXX XXXX XXXX sent me an email to inform me that my account was being assigned to XXXX XXXX XXXX.
In XX/XX/XXXX I received an email from the XXXX XXXX XXXX regarding the the shut down of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I have recently reviewed my credit report and there are closed accounts from XXXX, listed as paid in full. However, there are accounts from the XXXX XXXX XXXX XXXX that are listed as closed, but also continue to post as past due and in collections currently.
I am unable to find my account or log into the student loan aid website. I am currently waiting for their account recovery team to find my info.
XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have all now been sued and student loans are being cancelled as part of the settlement. And yet, my credit continues to be negatively impacted as a result of very poor handling of my loans on the part of my lenders, processors and debt management companies. I have had XXXX success attempting to contact any agency regarding my loans to attempt to untangle the mess they have made out of my loans. The education I received was sub par and was useless in entering the field it was specialized in. I have done XXXX work in that field as a result. I am a resident of XXXX XXXX and would like to be included in the settlement against XXXX.
Also between the years of XXXX and XXXX I received hundreds of emails from third party companies regarding my student loans and offers of forgiveness or lower fees. It was quite overwhelming and caused me to miss some very important emails regarding my student loans that would have raised my suspicions about the fact that I was being scammed months, possibly years sooner than I finally did.
|
| 09/10/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- 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 am XXXX XXXX XXXX and have been out of school for upwards of 10 years. I have experienced 2 student loan services through education process, approximately half of my student debt was serviced by the XXXX ( XXXX XXXX loan ) which appears to have used consistent reasonable loan practices and has ultimately resulted in consistent balance repayment. For background when I concluded my education my student debt broke down as follows : XXXX XXXX XXXX Loans Total Borrowed : {$39000.00} Current Federal Loan balance ( Recently Transferred from XXXX to Aidvantage ) : XXXX XXXX SELF Loan Total Borrowed : {$32000.00} Current XXXX Balance : {$17000.00} Out of a total of 140 loan payments to XXXX, 30 payments totaling {$530.00} have been credited towards my principal.
I have had generally higher payments with XXXX over my entire loan lifetime and given that I am one person solely making payments on these loans my financial situation has obviously been the same through the loan period. It seems pretty unreasonable that with 2 similar student loan servicers, servicing one person over the same time period ; with one provider regular payments are resulting in debt going down over time and another provider ( Which has been the target of multiple unfair practices complaints ) has resulted in the loan balance dramatically increasing over the lifetime of the loan.
I feel that XXXX used unfair tactics to steer me into loan deferment and other repayment options that ultimately led me to accrue additional interest than necessary and making loan principal payments nearly impossible. In general, during times of financial hardship I had multiple contact points with XXXX via phone call, text and email that ultimately lead me into excessively costly short-term/temporary financial relief instead of affordable, long term repayment options that would have made financial sense.
The financial hardship XXXX put me through not only negatively impacted my credit score, it was seemingly impossible to remove my cosigner from the loans thus missed payments also created negative impact on my fathers credit.
My loan situation feels almost entirely consistent with the CFPB Lawsuit against XXXX.
https : XXXX
|
| 10/07/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I called Aidvantage on XX/XX/22 to request a payment refund and my loan re-instated ( since it was previously paid-in-full ). I was given a timeframe of XX/XX/22 for the refund request to be approved, my loan account being " revived '', and being able to see my balance updated on my Aidvantage account online. Within 4-6 weeks from XX/XX/22 the balance would be updated on XXXX, would be sent to the Treasury XXXX for a refund, and the Treasury XXXX would send a direct deposit to the account the refunded payment originated from.
On XX/XX/22 I called Aidvantage and they stated that there is not an approval as of yet. There are also no estimates or timeframes for when this will be approved and the loan re-instated and balance updated on Aidvantage will be done. The rep said it may be another 4-6 weeks to see the balance updated. ( At this point, it is 12 days past the XX/XX/22 date provided for seeing the loan balance updated on the Aidvantage website. Based on the rep 's suggestion, by the time I see the balance updated on Aidvantage 's website it would be 40-54 days past the original estimate of XX/XX/22. ) On XX/XX/22 I called Aidvantage to see if the refund is now approved. The representative stated they actually don't do approvals anymore, and they stopped requiring approvals prior to when I made my original request on XX/XX/22. However, there are not any notes that it is denied or further information is needed. This feedback is different than the feedback I received in the first 2 calls. The rep stated I may see the balance updated by the end of next week, but did clearly point out he was not certain and it may be different. ( At this point, it is 14 days past the XX/XX/22 date provided for seeing the loan balance updated on the Aidvantage website. If the rep 's estimate is accurate, when I see the balance updated on Aidvantage 's website it would be 21 days past the original estimate of XX/XX/22. ) As of today, I am getting conflicting information on if this is sitting somewhere waiting for an approval or not, and different estimates on timeframes. The estimates for just seeing the balance updated on Aidvantage 's website vary wildly and are extremely conflicting.
|
| 09/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I've been in contact recently with Aidvantage who is my new servicer. However, because of the payment pause, I've never made any payments with them so they don't seem to have any information that helps me. I HAD XXXX and previously XXXX XXXX.
I went to school and earned my XXXX XXXX XXXX back in XXXX. I struggled over the years and was put into a forbearance multiple times as THEY suggested, which I know now was not the right decision. That's my first problem. Then I went back to school and earned my XXXX XXXX XXXX in XXXX and completed in XXXX.
With the new information from XXXX XXXX and all of the changes within loan forgiveness and such, I began to wonder if my loans from XXXX were almost to a point of being forgiven since I've had them almost 20 years now. When I started looking into it, I found those loans had been consolidated multiple times without my knowledge and without my permission. Now it appears those loans are dated XXXX when they were actually disbursed back in XXXX. I requested some proof or an application where I asked for this but no one has record of it. I was told to file a claim at studenaid.gov which I did although I realized there's no option to complain about a servicer. I had to submit it like I was complaining about my school ( it wasn't their fault at all ). I then find out, while I'm researching, that I'm not longer in an XXXX. Not sure when ... why ... or how that happened. So I was told that I have NO qualifying payments toward forgiveness but if I wanted I could start right now. WHAT!?!?!?!? I have had these loans for over 20 years!!!!!!!!! I started off on an XXXX and now I ended up on some other plan and nothing counted.
To recap : Problem 1 : They convinced me to go into multiple forbearances over the years.
Problem 2 : XXXX XXXX consolidated my loans one time and then XXXX did it again without my request or knowledge at all. I never had any parent plus or any private loans so there was NO NEED for that.
Problem 3 : I was taken off any XXXX and now my clock is completely reset on any forgiveness after I've had my loans over 20 years!
I always get the run around so I'm just hoping you can help somehow. Thank you so much!
|
| 09/03/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
I was notified that my XXXX student loans were transferred to Aidvantage ( this action was taken without any request or consultation with me by my student loan servicer ). I am one of the borrowers who continued to pay my loan throughout the pandemic, and made sizeable payments to reduce my student loans : between XX/XX/XXXX and XX/XX/XXXX I paid {$4900.00} towards what were XXXX student loans, now managed by Aidvantage. XX/XX/XXXX, I waited 1 hour and 39 minutes to speak with an Aidvantage representative by phone to request a refund of all student loans paid on my Aidvantage held loans, because Aidvantage hadnt called me back when I called the day before and left my phone number for a call back when prompted by their phone system. The representative told me he would need a supervisor to approve my refund request because it was over {$1000.00}, but that it was all taken care of ; he said it could take 4-6 weeks to receive my refund. While waiting for my call back from Aidvantage, I submitted this same request in writing to Aidvantage ( I didnt want to be jerked around ). XX/XX/XXXX, I received an email from Aidvantage that stated : I hadnt made any payments, so no refund could be processed. I logged in to my account and my payment history had been scrubbed or cleared : it showed no payments made my me ( even the XX/XX/XXXX payment was missing ). I called Aidvantage and a rep said there were no payments, and so no refund. I asked for a supervisor. She then said she found payments, and asked if an amount in the {$2000.00} range was correct. I said it was not. She said she would submit a request for my payments to be found I again asked for a supervisor. I told her I had deep concern about the management of my account based on the ongoing interactions with Aidvantage. Again, I waited more than 1 hour and 38 minutes and counting. I worked to pay off my loans through sickness, hunger, while I had a Borrower Defense to Repayment claim pending ( still not resolved ) for SIX years, and during a pandemic : I need a company that will not lose track of ANY payments I make, let alone close to {$3000.00} USD, because I dont have that kind of money to lose.
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My loans were paid off completely by XXXX of XXXX. On XX/XX/XXXX I called XXXX inquiring about my qualifications for receiving the student loan reimbursement that I understood I could qualify to receive after the Biden-Harris administration announced the Loan Forgiveness. I had completely paid off my loans during COVID-19 pandemic and for this reason, and given that I received a Pell Grant in the past, the person I spoke to on the phone stated that when verified, the aforementioned would qualify me for this refund. The person never counseled me on the fact that to receive this refund, that would mean completely reopening 19 loan accounts in my name and report them to the credit bureau. She only very casually mentioned that I could see a balance in my account but to not be worried about it because this was part of the refund.
Months later I get a random deposit of XXXX from the Department of Education and when I call them, I find out I owe XXXX on my student loans and that money is for me to pay it back. This is completely nonsensical as I did not owe a single cent. I have been blindsided and now my credit reports shows a sudden opening of loan accounts and my car insurance has raised my car insurance because of this. I will take the necessary action to get the accountability from XXXX as it is my consumer right to be informed of something that will be opened in my name and reported to a credit bureau Pertinent Dates : XXXX XXXX-ALL student loans fully paid off XXXXSpoke to XXXX rep regarding student loan refund XXXX -- XXXX Received XXXX from Department of Education without any written notice explaining what money was for a XX/XX/XXXX -- XXXX Spoke to XXXX rep who disclosed they had in fact reopened my loan accounts. Realized at that point that I was misinformed by them and that they had without my consent reopened my loans XX/XX/XXXX -- > XXXX XXXX sends me a letter letting me know I no longer qualify for my previous rate based on Credit Reports XX/XX/XXXX -- XXXX Sent XXXX XXXX a request to see what they had reported to XXXX XXXX that affected my Car Insurance XXXX -- XXXX realized there are 19 new loan accounts opened in my name by XXXX
|
| 09/26/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I originated two consolidation loans through Navient on XX/XX/XXXX when I called in to just get a simple forbearance. I was talked into doing a consolidation loan by the rep stating my 4 loans would be out of default. After receiving my finalized documents and reviewing what loans were consolidated my balance increased significantly. After reviewing the numbers, I observed that four loan amounts that were cancelled by two different schools and returned to lender were added into my consolidation loans. An Accounting error on Navients End! I brought the issue up with Navient immediately and called them several times. One Representative saw the discrepancies and even stated they needed to be fixed and the finance team would be dealing with it. I was told after several more phone calls that the finance department would correct these amounts and get me new loan amounts. About a month later I received another letter stating two additional loans would be added to my consolidation loan! Loans I don't even recognize. Furthermore, after eight years of waiting they still have not fixed my balance and now my loans have doubled due to the incorrect balance and the interest accrued on them. I have tried to reach out to XXXX to have these corrected and to no avail. All of this information can be seen where the discrepancies are on my student aid report and loan agreements with Navient where you can clearly see the cancelled amounts by the school and Navient assuming the original loan amounts and making me responsible for funds that were sent back to begin with. All of the accounting is there and is available on my original student aid report, and it was a clear as day mistake on Navient 's end. On top of all this an additional $ XXXX loan that should have been cancelled from XXXX college was added by Navient into my consolidation loan even further increasing my balance. XXXX had closed it's doors and three of my loans were already cancelled completely no problem except for this one! My original balance is XXXX and it should have been {$2700.00}! About a {$6800.00} difference from the get go plus the added interest for 8 years for that incorrect amount.
|
| 09/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
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AidVantage took over my Public Service Loan forgiveness account that had been fully discharged with an effective date of XXXX. My loans were forgiven because they met the criteria for the PSLF Waiver. My account was still awaiting a long-requested refund from the now defunct XXXX XXXX for a XX/XX/XXXX payment of {$280.00} due to the Covid-19 Suspension rules for PSLF. These rules state that PSLF accounts are allowed to be refunded payments made during suspension and that these months of non-payment during suspension will still qualify for forgiveness. AidVantage issued the refund of {$280.00} and then placed this amount into loan re-payment status where they are now wanting to collect the {$280.00} with added interest.
I tried to discuss this issue with AidVantage and was told they do not handle PSLF, that it is up to XXXX. However, XXXX has no record because AidVantage took my account from XXXX after it had been discharged. AidVantage is not acting in good faith. They knowingly took a discharged PSLF account and issued an outstanding refund only to try and collect money. Since AidVantage took my account from XXXX I had requested that they provide all customer service correspondence from XXXX which would prove I asked XXXX multiple times to refund my XX/XX/XXXX payment before my loans were forgiven in XXXX. AidVantage only provide me with accounting spreadsheets showing payments and balances. I am not able to contact XXXX because they no longer exist. I have filed a complaint with Federal Student Aid as well.
AidVantage is acting nefarious in pushing to collect this erroneous debt of {$280.00} from me. I do not owe this money and was rightfully refunded it. I followed the rules and requirements provided to me by the Department of Education and my student loan servicer. XXXX and XXXXidVantages inability to properly review, transfer, and process student loan accounts including discharges and refunds, is not the fault of this consumer. I request that the CFPB contact all involved companies so that they may remove this erroneously re-reinstated debt of {$280.00} and change my loans back to fully discharged due to the PSLF Waiver.
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| 11/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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Requested refund for loans paid off during Covid-19 on XX/XX/2022 via support representative at Aidvantage. Total refund came to a total close to but under {$10000.00}. Was told to expect update to accounts in 10 days and expect a refund in full in 4-6 weeks.
Called Aidvantage to check status of refund on XX/XX/2022 as theres been no change to accounts. Support representative told me that balance on Aidvantage would update when I get my refund in 4-6 weeks from submitting request. This information is completely different from what I was told when I put in my request on XXXX, XXXX, XXXX. At that date, I was told my account would be updated in 10 days from request.
Called Aidvantage to check status of refund on XX/XX/2022 as theres been no change to accounts or communication. First aidvantage representative said my request was still processing and to expect refund in 10-12 weeks from request. This information was completely different from past calls which all told me to expect my refund in 4-6 weeks. I told current representative about conflicting information and they transferred me to another representative because they said they cant access specifics on my account. Second representative told my request was processing and that I should receive my full refund in 2 weeks. I was instructed by this representative to keep checking aidvantage accounts for any updates. I was also told by this representative that my account would update before I receive my refund which is completely different from what representative told me on XX/XX/2022.
Called to aidvantage to check status of refund on XX/XX/2022. Representative told me that refunds take 10-12 weeks to process despite being told I would receive refund within 4-6 weeks. Representative also said that Department of Education hasnt made any updates to accounts requesting refunds.
Today is XX/XX/2022, exactly 6 weeks since I made my initial refund request. There has been no changes to my accounts during this time. I am unsatisfied with the incorrect/always changing information I receive from aidvantage. At this time, it is unclear if I will receive the refund I requested at all.
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| 01/27/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
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Web |
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Enrolled in school in XX/XX/XXXX. My original loan principal balance was {$15000.00}. The lawn was in my fathers name. I only attended my school until XXXX. I did not finish due to finances. Needless to say I never finished college because it was too expensive to pay back the current loans that I have. As time went on my father expected me to pay my student loans because they were mine. At that time I was making {$9.00} and was expected to pay {$180.00} a month. When I reached out to my loan servicer to explain to them that I could not afford it they just put me in a forbearance. That was in XX/XX/XXXX. I was forbearance from XX/XX/XXXX to XX/XX/XXXX. Once I was married I was able to make a little bit more and start to pay off the loans. But at this time my interest rate went up 8.5 %. In XXXX I received an email I believe in XXXX that my loan was going up from {$180.00} a month to {$500.00} a month. Being XXXX with her first child on the way and the pandemic happening we simply couldnt afford this. I reached out to our loan servicer and they suggested us consolidating the loan. They suggested this because I later found out on my own that we have maxed out the repayment plans. My servicer was putting us Repayment plans as well as for balancing my loans. Once I consolidated my love I was hopeful that I was going to be able to make payments because it was extended to a 30 year repayment plan. I then realized that my payments were now going to be over {$300.00} a month for the next 30 years with an 8.5 % rate. Leaving where my original principal was {$15000.00} to now {$40000.00}. But then that really leaving the loan to over XXXX in a XXXX fix. I Find it to be unfair that my loan servicer directed me and always possible in the wrong direction. No one helped me no one guided me no one directed me in the Direction and how to pay these loans off. I did not graduate and I understand that is my own decision I did choose to go to school and I know that was my own decision. But I did not choose nor expect to be in more debt than I ever thought I would be over 10 years later after taking out a loan to try and better educate myself.
|
| 05/05/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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In XXXX of XXXX I inquired as to why XXXX had not taken my XX/XX/XXXX auto withdraw as scheduled. My account was blank and I had received no email or physical mail indicating my loans had been switched to a different servicer. I figured out my loads were sent to Aidvantage. I called Aidvantage and complained about how no one notified me and that I had a payment post-due. Am I now in default for something I did not cause? Is the XX/XX/XXXX payment still required to put my account into the green? Rep told me " no, because the switch happened while the payment was due, you will not owe that payment ''. I was highly doubtful. So I set up my Aidvantage account. And I was overdue for that payment. And Aidvantage had access to my banking information that I never authorized. I immediately called back. The rep I got the second time informed me that a ) the former rep was mistaken and I need to pay the overdue amount immediately. And B ) that I shouldn't worry that Aidvantage had my banking information without my consent because they got it from XXXX. I paid my overdue balance that day, XXXX. In XXXX when I began loan repayment, my accrued interest was added to my principal. Meaning through the covid measure in place. I no longer had accrued interest and my current interest rate is 0. However, my XXXX payment, XX/XX/XXXX payment, and XX/XX/XXXX payments all have {$340.00} of {$500.00} applied to interest. The remaining {$160.00} is all that is being applied to my principal. I have tried calling and emailing Aidvantage and can not get resolution, a supervisor will not return my calls. They are telling me I have accrued interest, but I have documentation from XXXX stating I did not as of XXXX because it was applied to my principal. Also, the Aidvantage website does not have any accrued interest documented on my account, and I have 0 % interest. Aidvantage is committing fraud against student loan borrowers. Furthermore, it had been 3 full months and the student loan has not been reported to credit agencies. At any minute my score will tank which will negatively impact my ability to find a new place to live. It's terrifying.
|
| 09/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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My XXXX XXXX XXXX were transferred from Navient to XXXX in XXXX XXXX XXXX.
Due to the Covid pandemic, automatic payments of these loans were ceased back in XXXXXXXX XXXX XXXX.
After the initial pandemic dust had settled and trying to knock out my lowest balance loan, I resume electronic payments to my loan servicer at that time Navient. I set up a monthly {$110.00} payment to Navient starting in XXXX XXXX XXXX. I utilized my checking account that I had setup for automated payments of utilities, insurance, etc.
Back in XXXX XXXX XXXX, my lowest balance load, from XXXX, had a balance of approximately {$720.00}. While I meant to stop automatic payments to Navient after XXXX XXXX XXXX ( the loan would be paid off by then ), I neglected to do.
I didnt realize that I had continued these automatic payments until this weekend ( XX/XX/XXXX ) while preparing to setup the resumption of load payments, this time to XXXX. Logging into XXXX I discovered that there was no record of any of these ( XX/XX/XXXX to XX/XX/XXXX ) payments within the history that was transferred to them from Navient. The XXXX XXXX XXXX XXXX, as of XXXX XXXX XXXX, still had a balance of {$710.00}.
I contacted XXXX about this at XXXX. The customer service person said that I needed to contact Navient about these unrecorded payments.
I then contacted Navient. I did this after attempting to logon to the Navient website. Any way I entered my information, the site could not find my account, so I had to call for further research. The Navient operator took my name, my full SSN and my account #. She was also not able to find me in the Navient system and told me to contact XXXX.
I finally contacted my bank ( XXXX ) and asked them about the actual payments themselves. The customer service person said that they were paid electronically ( a paper check was not generated and mailed ) to Navient and that they all appeared to be processed.
My desire would be to have my {$3900.00} Navient payments applied to my current student loans serviced by XXXX, but I dont know how to get these payments recognized by Navient or transferred over to XXXX XXXX
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| 02/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I have been working full-time for the XXXX XXXX XXXX since XX/XX/XXXX as a young single mother. Due to my low pay, I went back to school hoping to better my situation and took out more loans to do so. I started school in XXXX and had already had some loans from when I was in college in the late XXXX XXXX. While working full-time, I also went to school full-time and obtained XXXX degrees. First an AS. At the time of graduation from my 1st degree, I was pregnant with my second child. Then, I went back to school for my 2nd degree. XXXX My issue lies in that every time I called XXXX XXXX ( now Navient ) when I couldn't make my student loan payments, they would suggest a hardship forbearance or some type of deferment. These had to be documented so they saw my 'XXXX XXXX XXXX XXXX paystubs with my state 's seal and not once suggested or offered me IDR until years later. Nor did they tell me this time wouldn't count towards PSLF, a program that really motivated me to stay working in public service as I didn't stand much of a chance of being able to pay them off. I had sent a number of applications for PSLF over the years but I never heard back until XXXX when my loans were finally transferred to XXXX XXXX from Navient. I had no idea until then that there are literal years missing from my payment counts. Despite working for nearly 17 years for the XXXX XXXX XXXX, the last count showed I had just 44 eligible payments suggesting I'd need to work another 7 MORE years in public service to have my loans forgiven. That's about when I'd be due to retire... ( I'll have been working for the state for 23 years at that point ) I don't see how that's fair. I was a victim of XXXX XXXX just like everyone else. Sadly the waiver is not even addressing people like me who have to pay another 7 years for their mess. Please help. When the XXXX was offered to me, I was eligible for {$0.00} XXXX which is the real crime. All of those years ' {$0.00} payments would have counted if they weren't trying to balloon my balance to collect a higher payment from the federal government for servicing my loans.
|
| 01/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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I paid my student loans off during COVID so my student loan debt was {$0.00}. I had my loan with XXXX. I requested a refund of {$10000.00} in XX/XX/XXXX. I was told that it would take up to 2 months to get my refund. I informed the agent that I no longer have the bank account I made my payments with as I moved. The agent told me that would not be an issue and they would attempt to direct deposit the money into my account 2 times and then mail me the a check.They confirmed my correct address and contact info. I have heard nothing regarding my refund. I have called every month since the refund request and am getting the run around and different answers every time I call. No one is able to give me exact information at XXXX XXXX when I called. My student loan on XXXX now states my bill balance is {$10000.00} but I have never received my refund.
My loan was transferred to Aidvantage in XXXX. I spoke with them on XX/XX/XXXX. They told me they can see that when they received my loan on XX/XX/XXXX they saw my request for my refund that XXXX XXXX submitted and they said it was approved by the House of Treasury but could not give me any information on when I would be getting my check. They said I have to just wait and that they could do nothing to help with the refund since they received my loan transfer in XXXX which showed that XXXX had initiated the refund and was already approved by the Treasury. They gave me a number to call, which was the IRS number but the rep at the IRS had no idea what I was talking about when I called to inquire about my refund status. Aivantage says they can not do anything and XXXX XXXX no longer exists to ask them questions. I am concerned that I am not going to get my {$10000.00} refund check that I requested in XXXX and it is extremely frustrating that no one knows the exact status of my refund, when I should be expecting my refund, or who I can talk to about it, but there was no issue quickly with reinstating my loan to reflect that I owe {$10000.00} again. I need help with this issue I have been dealing with now for almost 4 months.
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My complaint is about XXXX credit bureau I have disputed credit acceptance for this reason my online account says {$5.00}, XXXX for remaining balance the initial balance {$12000.00} my credit report my credit report says {$4400.00} the original balance says {$8200.00} when my online account says XXXX and it's only XXXX XXXX paid off that is totally incorrect I am asking for a XXXX I want this removed XXXX did not verify they could not have verified and I have read they have violated a lot class action lawsuit recently I got very well educated the last few days on this I also read that study found one in four had had one or more errors under credit report during 2020 I am really upset about this this is affected me a lot I spend all of my time researching and trying to fight for what is right I disputed with student loans also I am on the income driven plan if they would have verified correctly that would have got fixed the late payments I feel they should be held accountable for that that is unprofessional and very unethical I have disputed with credit acceptance a couple of different times it always comes back shortly after verified it's going to remain that is so unfair and I'm asking for a XXXX I am XXXX XXXX XXXX with a lot of health issues credit acceptance is taking me through the mud I even seen on my inquiries they're inquiring on my credit too that is credit slander and XXXX doesn't see that? That's scary but I am firmly asking for a XXXX I fight when I know that I am right I paid over {$8000.00} for that car there is no way I should still pay {$8000.00} as well over the XXXX XXXX XXXX XXXX XXXX on the high side is XXXX that's an excellent condition and that car is not an excellent condition but they both violated the Fair credit reporting act big time I'm also going to contact the Federal trade commission and the state regulator something's got to be done about this I don't think it's fair that that repossession stays on my credit when they violated the Fair credit reporting act I can not stress that firmly enough I'm going to attach my proof
|
| 11/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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My loans have recently been transferred from XXXX to Aidvantage. Prior to the change and prior to the XXXX payment pause, my student loans were on autopay, in order to receive a reduction in interest owed. I had no problems making payments automatically until the loan payment pause. 3 years later my loans have now been transferred to Aidvantage, who on numerous occasions confirmed that my autopayment status was still active and no further action was necessary on my part. My due date comes, they initiate the payment and send me correspondence that my payment was successfully received. However a couple days later they send me a letter stating the payment wasn't received with an explanation of " unable to locate account. '' This is frustrating because they received the same account information from my previous servicer who had no issue with my bank information so there was no error in inputting the information on my end ( because Aidvantage took the information directly from XXXX ). I then proceeded to re-enroll unto auto pay with the exact same credentials and even make an additional payment manually. I called to speak with an Aidvantage rep to confirm my payments and they were confirmed on XX/XX/23 as paid. I even spoke with my bank to see if the bank had an issue with the charge, but was notified that the payment never came through to the bank. Today there has been no payment made from my bank which means there is some issue going on with Aidvantage and their processing of bank information, however I do not want to be the blame for their problem and ve adversely affected. Moreover, I do not want to mail my payment in because I will no longer receive the discount for being enrolled in autopay.
I have researched this issue to find that there are discussion threads of this exact same issue happening to other consumers being serviced by Aidvantage, so this is definitely a massive technical issue on their part. I was advised that filing a complaint with the CFPB is how other consumers have had this issue resolved and I would like to do the same.
|
| 11/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
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|
Web |
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I called Aidvantage on XX/XX/XXXX to request a refund of student loans made since XX/XX/XXXX as per the Biden Student Loan Forgiveness. I understand that many people are also calling in and expected a long wait time. I waited for a call back for six hours. When I finally got in touch with a representative, after most of my information was taken and without notice, went dead. The call had either dropped or the rep hung up. I called back and had to wait until four hours to reach another rep. When I finally got in touch with someone, they had to reverify the information and stated that they had to wait for a supervisor to approve the request but I should be good to go. I was given a time line of 4-6 weeks. After the six week mark, I called again to ensure that my request had been processed correctly. I waited for a rep to answer and when they did, they were busy speaking to someone in the background for about a minute before they realized I was on the line. He wanted to confirm my identity, in doing so, he read my social security number out loud, I assume within hearing distance of the person he was talking to previously. I was appalled that he would even read my social security out loud. I have never had a rep from any company do that before. After explaining my situation, he assured me that the my loan had been processed and it was now a waiting game. I called again at the 8 week mark and was told by the rep that there was nothing they can do on their end to expedite my request, although I have read by other people that some reps will expedite their requests. I have checked my Aidvantage and student loan account every day and my balance has not updated to reflect the new amount. I have just hit the 11 week mark since the initial request. The reps have been giving me the run around with different information every time I call about how long it will take to process my request. I am trying to be understanding but it has been almost three months and my account has not moved. I am beyond frustrated with Aidvantage and can not sit idle any longer.
|
| 07/12/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
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Web |
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According to paperwork provided by the student loan servicer, I only owed {$100000.00} as of XX/XX/2022. Despite being in the pandemic interest forbearance, the loan servicer now reports that I owe {$110000.00}, I noticed this when I checked my credit report.
Each of my loans had a discrete amount added to it to total {$3500.00} since XX/XX/2022. This is impossible because all of my loans are subject to the interest forbearance.
The {$100000.00} amount as of XX/XX/2022 was provided to me via paperwork obtained after a 6 month fight with the loan servicer for complete documentation of the loans. The aidvantage website says I owe {$110000.00} which is incorrect.
I noticed this discrepancy on my credit report ( obtained via experian ) which reported {$110000.00}. The credit report is incorrect as well, and these are the only student loans associated with my account.
This is fraud, and I have reached out to the student loan servicer and the US dept of education through FAFSA complaint. I had to call FAFSA because their online complaint system reported an error and would not process the complaint.
I can't reach anyone on the phone at Aidvantage and their phone system will not report the balance to me through its automated system. I attempted to call numerous times on Friday, XXXX, however, they keep pushing me to their voicemail and I have not received a call back from them.
I did receive an email that they are looking into this, but considering this is FRAUD, I wanted to report it to the CFPB due to the difficulty I had obtaining the documents originally, and how it is impossible for these loan balances to increase due to the interest forbearance. This is literal fraud, and punitive damages should be considered by the CFPB for predatory practices and Aidvantage should be investigated for any other students they have done this to.
You can see a full description/explanation in a XXXX video posted here XXXX XXXX XXXX XXXX which I intend to continue advertising and circulating until this FRAUD gets the attention it deserves.
|
| 02/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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When my XXXX and I visited XXXX XXXX in XXXX, PA, we did the tour, he took all the tests, we submitted all the applications for tuition assistance, etc. We were told before we left that day that he qualified for FULL TUITION scholarship. We were also told that he would be given a job while he was attending school so he would have money for living expenses. We WERE TOLD that they had food vouchers for the students- which turned out to be a complete lie. The " job '' they gave him was to sit by a phone and wait for it to ring. He has high XXXX and needs to keep active. They knew I lived XXXX hours from campus, was a single parent barely holding it together financially. An incident occurred at the dorm where a student was XXXX and vandalized a fire extinguisher which in turn summoned the fire department. My XXXX was trying to stop the drunk student and got blamed for the incident and evicted from the dorm. This was XXXX MONTH prior to graduation. He was permitted to continue classes, but had nowhere to live in the meantime. I was told I could appeal the eviction, which I did- but was told it was too late. They didn't fax me the proper paperwork timely and I faxed back the required information within minutes after I received it. XXXX months later I get a bill from XXXX XXXX that I OWE THEM over {$25000.00}! I have told this story probably XXXX times to different organizations and NOT XXXX person has done anything about it. It's been XXXX years now and I am still struggling to pay the loans that WE WOULD NEVER have agreed to in the first place. The school is closed now and my son has a " Certificate '' and does not work in his field of study. He's a maintenance person for the most part and has learned some other on-the-job skills that are worth more than a certificate from a dishonest school. The person we spoke to the day we toured and registered has NEVER EVER returned my call. I know this is years ago, but every single time I see how much money I owe for something that we were scammed out of, it makes me really, really, really mad.
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I hope this message finds you well. I am writing to address a pressing matter concerning the inaccurate information on my federal student loan, previously serviced by XXXX XXXX and now AidVantage. The reporting of erroneous and incorrect data on my credit report has persisted for the past year, and it is crucial that this issue is resolved promptly.
Upon the transfer of my loan servicing from XXXX XXXX to AidVantage, I had anticipated that any previous reporting errors would be rectified. Unfortunately, to my dismay, these discrepancies were carried over to the new reporting system. These inaccuracies are undeniably detrimental to my credit score, unfairly compromising my financial standing.
Despite my repeated attempts to resolve this matter, the errors persistently resurface and are verified as accurate. I have attached copies of the credit reports from each of the Major Bureaus, which clearly demonstrate the differing, incorrect, incomplete, and inaccurate information being reported. It is my firm belief that these discrepancies flagrantly violate the Fair Credit Reporting Act ( FCRA ).
The current state of reporting not only tarnishes my credit history but also severely hampers my ability to secure loans. Such unjust reporting should not be tolerated in any circumstance.
I implore you to take immediate action to rectify these inaccuracies, thoroughly investigate the violations to the FCRA, and ensure that the correct and accurate information is reflected on my credit report or REMOVE THE NEGATIVE REMARKS on my PAYMENT HISTORY. Additionally, I kindly request that you provide me with a comprehensive update regarding the progress and resolution of this matter.
I understand the importance of adhering to the regulations outlined in the FCRA, and I trust that you share the same commitment to upholding these consumer rights. I anticipate a swift and satisfactory resolution to this issue.
Thank you for your prompt attention to this matter. I look forward to your immediate action and a favorable response.
|
| 10/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
To whom may be reading this email, I have a concern regarding my student loan payment under Aidvantage. I recieved an email on XX/XX/XXXX, that I owe {$570.00} by XX/XX/XXXX for my student loan payment. I originally applied for AutoPay for my student loan account on XX/XX/XXXX, but the auto pay appeared to not work because i received an alert that I missed a payment on XX/XX/XXXX. I made a payment of {$570.00} on XX/XX/XXXX and received a confirmation email regarding the payment. On XX/XX/XXXX, I reapplied for AutoPay again with Aidvantage.
I received an email this morning, XX/XX/XXXX, that my payment was " posted '' XX/XX/XXXX. I logged in my Aidvantage Account and saw that I have " no recent payments. '' On my Payment History, I see that my {$570.00} payment was done on XX/XX/XXXX, but then, on XX/XX/XXXX, a " payment reversal '' of the {$570.00} is indicated also on my payment history. I also checked with my bank and noted that the funds were never transferred.
I am very confused of why my payment was reversed despite receiving an email indicating that my payment was " posted '' on XX/XX/XXXX. I have been trying to get a hold of a representative of Aidvantage via telephone with their customer service number of XXXX, but it has been really difficult. While waiting to be connected to a representative, the call was cut three times. I waited four over two hours with no connection to a representative. I have left an email regarding my concern of my payment, but I have not received a response.
To add on, when I reapplied for AutoPay on XX/XX/XXXX, I indicated specific amounts for each loan ( all a little over than the intended payment, totaling $ XXXX/month ). I received an email from Aidvantage this morning, XX/XX/XXXX, that " the payment term for your loans has changed. Next payment amount : {$280.00}. Next payment due date : XX/XX/XXXX. '' I do not understand why they changed my payment back down to {$280.00}, when I requested for Autopay of {$310.00} a month.
I hope my concerns will be addressed.
|
| 06/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
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Web |
|
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I was with Navient for many years, and was unable to make payment for a very, very long time. The loan went to collections and I entered into a program through Navient to make a very small payment for I think 8 months consecutively to put the loans back into good standing and drop the total amount owed down quite a bit, I cant remember the details exactly but I think it was like reduced accumulated interest and penalties or something. That was awesome, it dropped my total owed down quite a bit. However, once my loans were back in good standing, I was still destitute and making only like {$800.00} a month and couldnt afford payments. They informed me I was making too much to qualify for any programs with reduced payments and had to either pay a ridiculous monthly payment or go into forbearance. I believed I had no choice but to go into forbearance and let interest accumulate for several years in a row, which meant that the interest ended up ballooning my total owed back up to the amount it was originally at with interest and penalties before the program to put loans in good standing that I entered into dropped the total owed to something far less depressing. I now know I was more than eligible for reduced payments or possibly interest free deferment or something like that, and that they steered me into forbearance deliberately to pump up my amount owed. Im a single dad with no college degree, my sons mother is deceased, and I know I have a loan that needs to be dealt with, but the amount owed currently is about double what it was when I completed the renewed good standing program offered by Navient, and there is no way I can pay off almost {$100000.00} in student loans and fees and house my kid. I feel I was very manipulated by Navient and XXXX truly hoping there is something to be done about it. Ive already applied for and have been approved for an income based program but havent heard what the payments will be. Please let me know if there is some thing I can do about the devious behavior of Navient.
|
| 07/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
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Aidvantage/Dept of Education has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false " late payments '' to my credit report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 169 ( d ) ( 6 ), has negatively affeced my ability to extend credit and operate in commerce.Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.
I'm aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave respnsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by AIDVANTAGE/DEPT of Education before furnishing it.This shows that the consumer reporting agencies have shown bias toward me because i never gave my lawful authority for any consumer reporting agency or AIDVANTAGE/DEPT of Education to furnish any `` late payments '' to my consumer report. It is my belief that due to AIDVANTAGE/DEPT of Education business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ) XXXX they parrot any information given to them as a means of coering consumers to pay extra fees for debts that they allegedly owe.
Late Payments XXXX XXXX, XXXX, XX/XX/XXXX XXXX I sent certified letter to AIDVANTAGE/DEPT OF EDUCATION XX/XX/XXXX they responded back on XX/XX/XXXX with a document saying they would not remove late payments.
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| 10/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Older American, Servicemember |
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I received a bill from aidvantage during the first week of XX/XX/XXXX with a statement dated XX/XX/XXXX. The bill had no phone contact information so on XX/XX/XXXX I phoned the U.S Department of Education and obtained the phone number to XXXX which is XXXX. After numerous attempts calling this number and waiting approximately XXXX minutes, I finally reached a representative on XX/XX/XXXX.
As co-signer for my son 's college education, I explained that I had no previous record of this loan and would like to obtain documentation of where this originated. The agent responded that they could only provide me with payment history and confirm email correspondence sent to me. I then asked why the interest rate was so high at 8.5 % and the agent responded that aidvangtage had sent me correspondence via email which I have no record of receiving and that by sending this email correspondence to me I had accepted the terms of the loan which is currently 8.5 %. I then asked why they had not contacted me by phone. The agent responded that according to their records the number on file was XXXX. I responded that this landline number was not accurate and and should be XXXX.
To better understand payment history I asked what account they had received payments and the agent was unable to confirm what account they had received the payment from and could only confirm that the last payment in the amount of {$95.00} was received on XX/XX/XXXX before being placed in a hold status because of COVID. The agent then explained that the loan was now active and I needed to make payments.
Not only is the service poor but I don't know where to get help confirming the accuracy and legitimacy of this loan. Other concerns include : inaccurate customer contact information, inability to provide requested loan information, increasing loan interest rates by stating that an email was sent notifying the customer of this new rate, difficulty reaching an agent to name a few.
Can you please help me determine the legitimacy of this loan?
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| 11/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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On XX/XX/XXXX, I logged into my student loan account with aidvantage and submitted a payment for the entire balance of the loan ( {$5500.00} ) using information directly from a check to ensure routing information was correct. This payment was submitted as an electronic bank transfer. I received a confirmation email from aidvantage on XX/XX/XXXX that my payment was posted on XX/XX/XXXX. The next communication from aidvantage on XX/XX/XXXX stating that I missed my first payment due on XX/XX/XXXX. Aidvantage then added {$22.00} in interest to my account. I was never notified that my first payment was not processed through aidvantage. I then resubmitted my payment to aidvantage on XX/XX/XXXX. This payment was for {$5500.00}. I received an email from aidvantage on XX/XX/XXXX confirming my payment. I checked my account on XX/XX/XXXX, and my payment was being processed. There were no signs of issues with my payment and it showed XXXX balance. On XX/XX/XXXX I review my bank statement and found that aidvantage never took money from my bank account. I checked my aidvantage account and my payment was reversed on XX/XX/XXXX as dated by aidvantage without notice. This could not have happened on XX/XX/XXXX, as I checked my account on the XXXX and my payment was still being processed. I called the phone number listed on the payment confirmation which is listed as the support phone number. I was put on hold for multiple hours, at which time I never was able to talked to a representative and was unable to remain on hold any longer. I am now mailing a check on XX/XX/XXXX for the original balance owed of {$5500.00} to aidvantage with a letter explaining how I never missed a payment and was not notified of any issues with my electronic payments. I was wrongly charged interest on my account and I am no longer willing to pay it. I do not want this to hurt my credit as I made every attempt make my payment in full well before the payment was due. I informed aidvantage in my letter that I filed a complaint with the CFPB.
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| 02/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Hello, I was lured by XXXX XXXX during my last semester at XXXX TECH to join them for a Bachelors 's degree. - I understand that this was my decision at the end-.
However, I was led to believe that I was going to be able to pay this easily by going into pay as you earn. when I obtained my bachelor 's in XXXX, I was pretty much forced to get the pay as you ear deal due to my low income. my income has not changed in the past 6 years. I make XXXX a year, so my payment has been around 100 dollars. This has increased my loan until covid that now is actually XXXX dollars less in principal than I had in XXXX.
This has caused many problems over the years to be able to qualify for other loans. lenders don't see the {$100.00} payment, they see the {$29000.00} and the {$450.00} dollar payment I would have if I am not in the pay as you earn program.
when I purchased my Home years ago, I qualify for less than I should have so I bought a smaller home foreclosed that needed work rather than going with a better and bigger home for my children.
I now have a much bigger problem, I wish to better myself and move to a bigger city such as the XXXX XXXX XXXX area to find better employment opportunities. With the housing market ( XXXX ), again, I am unable to afford a house that doesn't need work because lenders take into consideration the {$29000.00} or {$450.00} payment. I am unable to help my kids co-sign for vehicles so they can have the means to get employed.
My situation has caused my kids ( XXXX and XXXX ) to even consider getting an education due to the struggle they see from their mother 's student debt.
I could have obtained jobs making $ XXXX without a college education, or just with my XXXX XXXX from XXXX XXXX. My degree has been pretty much worthless financially, and I can't get into the TODAY housing market or co-sign for my kids due to the loan. my credit score is XXXX.
This situation should not happen, it should be illegal. especially for single moms that already struggle to raise kids.
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| 10/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Problem with your payment plan
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Web |
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On XXXX XXXX I applied for the SAVE repayment plan & was told by Aidvantage it would take about 45 days for the application to be processed. At that time they estimated my payments to be {$390.00}.
On XX/XX/XXXX I received an email from Aidvantage that my application was approved and my payments would be {$670.00} On XX/XX/XXXX I called and spoke with an agent at Aidvantage who told me she would reapply for me, I provided her the information she asked for and she said I was all set, that I would be hearing from Aidvantage in about 45 business days On XXXX I received and email from advantage saying XXXX, your Income-Driven Repayment ( IDR ) plan request could not be processed and It's too soon to process your IDR recertification On XXXX I called and spoke with an agent at Aidvantage who told the previous agent recertified me, not reapplied. The agent said that we could reapply over the phone. I provided her the information she asked for and she said I was all set, that I would be hearing from Aidvantage in about 45 business days.
On XX/XX/XXXX I received and email from Aidvantage saying XXXX, your Income-Driven Repayment ( IDR ) plan request could not be processed and It's too soon to process your IDR recertification On XXXX I called and was on hold so the agent could speak with a supervisor. I provided her with the same information about filing status, income etc and she put me on hold. I was on hold for 20 minutes and then disconnected. I called back again and spoke with a man who said the agent before me reapplied and my new payment estimate is {$750.00}.
I have spent hours trying to figure this out only to feel like Im being scammed by a predatory loan company trying to take more than what I can afford. I still have not gotten this addressed and am begging for help. What are borrowers supposed to do to get the help they need. Im trying and spending hours of my time only to get nowhere and told were having trouble with our phones disconnecting by the loan company.
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| 04/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I recently reviewed all my student loan accounts and found 2 schools listed that I did not attend. I have 3 student loan accounts listed under my name for the XXXX XXXX XXXX. These accounts include 3 loans : 1 ) Current Balance Amount {$7600.00} Disbursement Date : XX/XX/XXXX XXXX ) Current Balance Amount {$33000.00} Disbursement Date : XX/XX/XXXX XXXX ) Current Balance Amount {$38000.00} Disbursement Date : XX/XX/XXXX Total Balance of all Accounts = {$80000.00} I have another student loan account listed under my name for XXXX XXXX. This account includes : Current Balance of Account = {$18000.00} Original Principal = {$13000.00} Disbursement Date XX/XX/XXXX Total Balance of both Schools Accounts = {$98000.00} This is quite disturbing to me, especially when I see the last disbursement date of XX/XX/XXXX. I have never taken out any student loans with these schools. I graduated from XXXX XXXX University with a Bachelors degree in XXXX. That was the only and last university that I ever attended. That is why Im confused as to how the above referenced accounts are showing up on my credit report. That is also the reason why these student loans have not been included in my consolidation and student loan forgiveness accounts. I have already contacted Aidvantage in XX/XX/XXXX requesting a Loan Discharge for these accounts and my request for Loan Discharge was denied. I also sent disputes to each of the schools with no reply. I am disputing all of the above referenced accounts due to the fact that I never attended these schools. By publishing these inaccurate and unverified items on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness. This nearly $ XXXX debt is creating an inaccurate Debt-to-Income ratio on my credit report and negatively affecting my credit score for the past few years. This discrepancy is causing me to miss out on credit building opportunities including housing, credit cards, and auto loans.
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| 04/05/2022 |
Yes |
- Student loan
- Private student loan
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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1. XXXX XXXX XXXX taken out in XXXX 2. Loan originated with XXXX to send our son to XXXX XXXX XXXX XXXX Paid full payments monthly, never late.
3. My husband was injured by a fall and was no longer able to work. Since his income was over XXXX of our total income at that time, our finances were turned upside down.
We sold possessions and did everything possible to keep our home and our bills paid on time. When I contacted XXXX, it was recommended that I put the loan on forebearance so we wouldn't need to make the payments on the college loan.
It was my understanding that the payments due were going to be added to the end of the loan. I did NOT realize that the interest would continue to accrue on those missed payments, not that I really had a choice anyway. I don't understand how this is helpful or even fair to a person who is already facing a hardship.
The loan principal in XX/XX/XXXX when it went on forebearance was {$78000.00} 4. In XXXX was transferred to XXXX and all the accrued interest was now rolled into the principal of the loan. So now I was paying interest on the interest of the loan.
The new loan principal was over {$100000.00} 5. I applied for income based repayment to attempt to pay the loans down, but the full payment was going to the interest of the loan. I was getting nowwhere.
6. I made continuous calls since XXXX for better options as I can't get out from under the loan interest. I went through multiple applications, gathering data and submitting all the requirements only to be told the same thing each time.
These are Parent Plus loans, we can't help ; there is no program available for the parent plus loan other than the Income Based Repayment.
7. In XX/XX/XXXX my loan was once again transferred and once again the interest has been tacked onto the principal of the loan.
My current principal balance is {$200000.00}.
My income based repayment amount is {$420.00} I will NEVER get out from under this loan.
I need help! PLEASE!
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| 11/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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Aidvantage took over servicing my student loan ( from XXXX XXXX XXXX XXXX ) earlier this year.
Several months later, I was notified that payments would resume in XXXX.
I created a login with Aidvantage and tried to review the amount of my upcoming payment. For months there was no information online, but finally the payment information populated. It was similar to what it had been before the Covid pause. I dont recall the exact amount, but it was somewhere in the vicinity of $ XXXX {$80.00}. I saw there was an option to inquire online about IDRs ( Income-Driven-Repayment Plans ). I looked into it ( Aidvantage asked me to answer a few questions ). Aidvantage said they would review and let me know what my options were. I didnt hear anything for weeks ; then, just a week or so before my first payment was scheduled to be withdrawn from my account, Aidvantage emailed me and said my IDR had been approved.
Keep in mind I had never said I wanted an IDR, or given permission to anyone to implement one ; I had simply inquired into how much lower my payment would be if I did that.
I logged in to see what changed, and saw my payment had more than quadrupled to nearly {$400.00}. Why Aidvantage would think I would want to use an IDR to raise my payment I have no idea.
I immediately tried to cancel, but the website said I had to call or email them.
I tried calling- on hold endlessly, no answer. I tried calling again, later. Same thing. I tried submitting an email through their website ( only other way of contacting them ) ; I was told I would get a response within two days. Nothing. I sent another. A week went by. Nothing. The large payment was taken out of my bank account. Still nothing. I tried calling again. Still placed on hold indefinitely. I emailed again. Nothing.
It has now been over a month, and I have received no response whatsoever from anyone at Aidvantage. And certainly no explanation for why they raised my payment without my permission.
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| 06/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Servicemember |
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I have contacted the Department of Education, Aidvantage XXXX XXXX several times regarding issues I was having regarding fraudulent and incorrect information listed on my accounts with them regarding schools listed that I had never ever attended. There were XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had disputed these loans for years and the Department of Education XXXX XXXX refused to remove these loans from my accounts and records with them period. XXXX has a lawsuit and I did receive information in the mail that I was a part of the settlement in the amount of {$260.00} as well as the dismissal of loans. I saw on XX/XX/22 the email and news that the US and the XXXX XXXX are canceling XXXX XXXX in student loans for {$200000.00} defrauded by their colleges and universities. This list includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as over XXXX schools. I have been disputing these items for years and the refusal in which to remove and update these items from my accounts on so many occasions is beyond egregious and excessive, to say the least. Department of Education is the worse as well and they need to be held accountable, liable and responsible as well just like XXXX and everyone else. They have the capability to make changes as well as updates and the fact that they flat out refused to do so for me after I have been battling this matter for years makes me want to file a lawsuit against them and I definitely plan to do so because I told them over and over again that I never attended these schools and the fact that they fail to assist me with this matter in my time of need is just exhausting and overwhelming, to say the least, and the fact that they did not believe anything that I was saying regarding this matter is the worse possible feeling and the worse thing that they could have done to me and now I am so glad to see them getting exactly what they deserve and then some. It has been long overdue and a long time coming.
XXXX XXXX XXXX
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| 10/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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Prior to the current student loan servicer, I reached out to XXXX for an audit of my account on several occasions, but never received one. Upon further review of my account, my payments over the life of the loans, capitalized interest, unpaid interest, and loan balances do not add up and some initial loan amounts have the wrong amount borrowed. I have incorrect XXXX forms.
XX/XX/XXXX - I received an email from AidVantage ( new student loan servicer ) that my IDR was approved for {$500.00} from XX/XX/XXXX to XX/XX/XXXX.
XX/XX/XXXX - I received another email stating my IDR monthly amount was {$580.00}.
XX/XX/XXXX - I logged into my account and discovered that the payment due is {$2000.00} ; so I tried calling them and was on hold for XXXX minutes without speaking to anyone.
XX/XX/XXXX - I tried calling again at XXXXXXXX XXXX CST and was on hold for XXXX hours and XXXX minutes without speaking to anyone.
XX/XX/XXXX - I emailed the them to the email I received stating my IDR was approved, but received an automated response that this was email account that is not monitored and to either call or login my account and send them an email.
XX/XX/XXXX - I logged into the account and sent a message for an explanation of why my monthly payment is showing to be {$2000.00} due XX/XX/XXXX when I have an approved IDR for either {$500.00} or {$580.00}. I received an automated email stating that I can expect a response from one of our Customer Care Specialists within XXXX business days. No response to date.
XX/XX/XXXX - I logged into the account and tried chatting with a representative ; the chat session ended automatically with a message to try back later.
XX/XX/XXXX - I sent another message within the account requesting an explanation of my accounts and payment. I received an automated email stating that I can expect a response from one of our Customer Care Specialists within XXXX business days. No response to date.
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| 09/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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On XX/XX/XXXX, I paid off my student loans. I made this in one payment of {$80000.00} and one for {$48000.00}. I then submitted a duplicate {$48000.00} and told them not to process the duplicate. They processed {$120000.00} and I received email confirmation of that. One account of mine was debited for {$80000.00} and the other for {$48000.00}. The payments showed up on my ledger as processed, and also showed that Aidvantage reversed the duplicate payment for {$48000.00}. My ledger went to zero money owed.
On XX/XX/XXXX, I was informed by Aidvantage that I had successfully paid off all my student loans, in a letter saying, " Congratulations on paying your loans in full.
We received your final payment on XX/XX/XXXX. '' My ledger showed zero, and I separately received email confirmation they received {$120000.00}.
On XXXX ( in a letter dated XXXX ) I was informed that a payment of mine was not processed on XX/XX/XXXX ( ten days prior to being informed that my loans were totally paid off ) due to customer revoking authorization for a {$29000.00} payment. However, the full {$120000.00} had been debited from both my accounts, and the {$29000.00} has not been returned to me on XX/XX/XXXX. On XXXX ( in a letter dated XXXX ), I was informed that a payment of mine for {$19000.00} had been returned to me on XX/XX/XXXX.
On both occasions, NEW entries on the ledger showed up for XX/XX/XXXX showing payment reversal, which NEVER occurred. I NEVER had any money returned to me and my bank accounts were debited for the full sum of my accounts. In fact, the XXXX XXXX account they claim they reversed the payment to was closed the day after payment confirmation was received, so I don't even know how they would have reversed the payment : and they aren't providing any explanation of where they supposedly sent it.
So Aidvantage has taken the full {$120000.00} from me but is claiming that I still owe {$48000.00}.
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| 10/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I graduated law school XX/XX/XXXX. While in my last year of law school, I consolidated both my XXXX loans and graduate loans to lock in a 5 % interest rate. XXXX XXXX was the original servicer of my student loans up until my account was transferred to XXXX around XX/XX/XXXX. From XXXX to XXXX, XXXX XXXX would place me into forbearance if I was unable to make my student loan payments. Starting in XXXX, XXXX XXXX begin to email me about XXXX XXXX XXXX options. I filed and was approved for XXXX in XXXX. In XXXX, I received notice that my account was again being transferred to Aidvantage for servicing. In XXXX, when I was struggling to repay my student loan under the XXXX program, a representative recommended that they change my XXXX program to XXXX as opposed to the XXXX I was under in order to lower my payment. I asked if I would still get credit for the previous months under the XXXX that I started and was told YES. I inquired early this year to see how many payments I had towards my loan forgiveness. To my surprise and dismay, the clock was RESTARTED in XXXX and all of my historical payments were wiped away from my account history. I also learned that XXXX became available in XXXX, however, I had no clue and was not able to take advantage at a much earlier time period and have suffered financial harm due to XXXX XXXX, XXXX and Aidvantage 's lack of transparency about my payment options and payment history. I feel extremely misled and believe such misrepresentation is egregious. I am seeking cancellation of my student loans that have been mismanaged by XXXX XXXX, XXXX and/or Aidvantage. Lastly, I have had to put in at least XXXX different requests through XXXX for someone to provide to me a historical account of my payment history. My last attempt was on XX/XX/XXXX and the Aidvantage representative stated that she apologized as my previous requests for additional information were never processed.
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| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have send a few letters about this issue and still nothing has been done. There are late payments that are reporting on my student loan... There is a billing issue ( 15 USC 1666B ) with my account because I have always been in school and my student loans have been in deferment so there should be no late payments...
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want the bureau to Tell me in writing what information you received from this creditor to support the presence of these supposed late payments. Tell me in writing what you did to determine that the information the creditor provided was accurate. Note how the information was relayed to the creditor and the EXACT information ( type/kind ) that was provided to your bureau as PROOF of the accuracy of these late payments. Any claims of application alleged made by me or former must have validation of verifiable proof of adequately acquired permissible purpose from anyone exactly identified by documentary evidence to be me and only me and or anyone lawfully provable to be acknowledge as an authority with rights to adjudicate actions minus my direct permission to render said permission. I am absolutely within in my consumer rights per every and XXXX even each any and or all state and or federal laws to requisite by demand of your lawful sworn attestment to the exactness and adequate legal obtainment of every and one even each any and or all of the challenged notes .Attest in composition to every and one even each an and or all of the data, every notation, the dates and balances, calculations and audits, accounting records and documented identities, the required XXXX XXXX XXXX XXXX format fielded. I want The bureaus to send me a new credit report showing the changes in my report which I take serious these bureaus are playing with my life right now... ..I don't understand why yall make things so hard for people I don't get it .....
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| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to my consumer reports ( XXXX, XXXX and XXXX ) this financial institution furnished an account without disclosing opt out information to me. I have recently read the GRAMM-LEACH-BLILEY ACT under the Federal Trade Commission and they are failing to comply with the law. The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. This financial institution has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, This financial institution knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. This is a violation of the GRAMM-LEACH_BLILEY ACT law and they should be held accountable for intentionally not giving customers the right to opt out of their disclosures..
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| 08/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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|
Web |
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Good morning, I took out Direct Loans to pay for XXXX XXXX, with the express understanding from the university and the loan servicer ( NAVIENT ) that I would be eligible for Public Service Loan Forgiveness ( PSLF ). A year after I graduated I was advised by NAVIENT to consolidate my loans. This greatly increased the total amount to pay back ( currently ) {$250000.00}, but with the understanding that the total amount was irrelevant because I was told I was definitely eligible for PSLF, so any remaining amount would be forgiven and discharged after 10 years of payments.
I've been working in XXXX XXXX XXXX for more than 12 years now, however only a few of my previous employers, such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are considered eligible employers. At no point during the taking of the loans or the consolidation did DOE or the loan servicer indicate that the XXXX XXXX XXXX I was in would not be eligible.
Today I have eight years of qualified employment, but recently took a job doing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX work for XXXX. Though the work is identical to direct hires and by all appearance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my pay stubs come from a XXXX XXXX, XXXX XXXX and now XXXX. The XXXX XXXXXXXX, I'm told, is not a qualifying employer, so having come XX/XX/10 of the way to forgiveness, I'm now looking at a total of 20 years and or {$250000.00} to pay off.
My loan was serviced and consolidated by NAVIENT but is now in the hands of XXXX.
This exact same problem is widespread within our agency ( XXXX ) as thousands of employees receive their pay stubs from XXXX XXXX XXXX. Our Administrators XXXX XXXX and XXXX XXXX brought the issue to DOE and the President 's Office, but found no solution. Staff in my position were advised to contact DOE directly and ask for advice.
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| 06/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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As per the CARES Act, I called Aidvantage on XX/XX/XXXX and made two requests : 1 ) That all payments made to my Federal Student Loans between the dates of XX/XX/XXXX to XX/XX/XXXX be refunded to me and 2 ) To request that my future automatically scheduled payments be paused until the end of the moratorium.
During said phone call, I was advised that a refund in the amount of {$2100.00} would be directly deposited into my bank account in 2 to 3 weeks. During this same call I was also advised that all of my future automatically scheduled payments would be paused and would not resume until XX/XX/XXXX.
On XX/XX/XXXX, about a week after the phone call above, a payment was automatically drafted from my bank account in the amount of {$94.00}. I called Aidvantage to request that these {$94.00} be refunded back to me in addition to the previously discussed {$2100.00}, and again requested that my future automatically scheduled payments be paused. During this phone call I was advised that both refund amounts of {$2100.00} and {$94.00} would be refunded to me via direct deposit by XX/XX/XXXX. The {$94.00} was refunded to me on XX/XX/XXXX.
Since the phone call made on XX/XX/XXXX, I have made four ( 4 ) additional phone calls, and I check my account profile online for status updates regarding the refund amount of {$2100.00} multiple times a day.
During my most recent phone call with Aidvantage on XX/XX/XXXX, I was told that the refund in the amount of {$2100.00} should be refunded to me via direct deposit within 5-10 business days. However at the time of this writing I still have not received the refund of {$2100.00} nor has my account online been updated with any status updates. At this point I feel that Aidvantage is purposely withholding my refund. Without the assistance of the Consumer Financial Protection Bureau I do not believe I will ever receive this refund.
|
| 09/28/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I signed up for AutoPay on my federal student loans to benefit from the .25 % interest rate reduction. On my Income Driven Repayment plan, I am supposed to pay {$100.00}. I signed up on AutoPay to pay {$100.00}. I received a billing statement from Aidvantage telling me that they would be withdrawing {$270.00} from my bank account. When I go onto their website and look at my Auto Pay, it tells me how much I am going to pay on all of my loans, and that total adds up to {$100.00}. At the top of the window, it says " Amount of {$270.00} transfers on the XXXX of the month from Bank Acct XXXX {$170.00} is an additional payment above your Monthly Payment Amount. '' I did NOT authorize {$170.00} extra. I can not find anywhere in my account that says I did. I reached out to Aidvantage, who kept insisting I authorized it. I insisted I did not and they finally did a " view '' option that allowed them to see what I see, which is that there is no record of {$170.00} extra being authorized on my account and thus no way for me to change it since I never OK 'd it in the first place. The Aidvantage employee had XXXX explanation for this and merely submitted a " research request. '' When I followed up today, a week later, all an Aidvantage employee ( XXXX ) would tell me is that the research request is due to be completed tomorrow XX/XX/23. She said they would mail me a letter with the findings. My Auto Pay is set to come out XX/XX/23. I asked how they intended to solve this issue and how this could be prevented, and all XXXX would say was that the research request would be finished XX/XX/23. When I asked her to confirm that her company would not be committing a crime by pulling funds unauthorized from my bank account, she refused to answer me and disconnected the chat. Unauthorized withdrawals from a bank account are a crime both under federal and state laws.
|
| 11/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Wanted to get into repayment. Filled my information out to Federal Aid back in XXXX. Never got a response back from them and tried calling them and stayed the phone on hold for 2-3 hours and gave up. Sent a email to them and they said I needed to upload my income information. I provided them my income information through their uploading and once again I never heard anything from them. I then went back to Federal Loan Student aid and filed for the SAVE plan and once again I never got a response from aidvantage. I then went through a company called XXXX that handles the application process for IDRs or any repayment plans and submitted that application and it got sent to aidvantage once again. I then message them three days ago and once again no response.
The biggest problem I am having and they dont even have what I need to paying in their site. When I log into aidvantage it doesnt even tell me that I owe anything when I look into the details they keep saying that they are for the application. The final straw was they started accruing interest in my student debt which I lost points of my credit because of that. Also the account that I have with aidvantage was not even created by me. It was by a third party who put my loan in forbearance a few years ago pretending to say that they were actually the department of education when they wasnt.
So imagine going through what I am going through right now which is literally zero information and with zero ability to do anything about it and getting punished. It is actually getting to the point where I need to talk to a lawyer as aidvantage is purposely halting federal loan applications so they can accrue more interest on top of my student loan as I am just waiting to see what I actually owe per month based off the save plan I chose.
Hopefully this all makes sense and I really need help on this.
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
In XX/XX/2022 last year my student loans were paid off in full as I had them through XXXX XXXX XXXX At that time, I emailed all the credit bureaus and ask them to remove it from my file.. my XXXX were removed and then two weeks ago the first week of XXXX I received an alert that something changed in multiple credit reports. Aidadvantage put on all three credit report that I owe them XXXX However, this is the amount that was written off and I am confused as to why they put this back on my credit report and when I have called them multiple times I have a XXXX balance I do not owe them anything and XXXX customer service representatives have told me that my balance is XXXX. I have faxed them a letter asking them to remove this from all my credit reports and I have called multiple times. I cant log into my account because I have a XXXX balance so Im having to deal with talking to someone and most of them dont even help me at all Because they have put this back on my credit report. It is now hindering me from getting a loan because I stated that all my student loans were paid off and now they put them back on and I dont owe them anything. Customer service is useless. No one returns any call or they say they will email me and they do not and I do not have access to the portal because I have a XXXX balance. I am going round and round constantly with these people asking them to remove it from my credit report because my debt was paid in full as I did public service loan forgiveness and I met my 120 payments with that loan and somehow this company decided to slap it on my credit report that I owe them money and then when I call them, they say you have a XXXX balance with us. I have asked him multiple times to remove it because I do not owe them anything they say I dont owe them anything but Im not getting anywhere and Im asking for some help. XXXX
|
| 12/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Hello, I have been trying to get {$20000.00} refunded to my account from Aidvantage since XX/XX/XXXX in the morning. I have stated that I wanted to have all my covid payments refunded to me that I made after XX/XX/XXXX. The representative that picked up put a refund request in and stated that it would take 6-8 weeks.
After a month of not seeing any movement in my account or got no updates regarding the process, I called back on XX/XX/XXXX. The representative looked into my refund process and noticed that they have not done anything with it since the representative did not add the amount for the refund. This means the refund request was not being processed for a whole month and left unfinished. So the representative added in the request with the amount I requested which was {$20000.00} dollars. The representative told me to check up by calling periodically to track my request.
After this call, I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I got the same types of answers with no one knowing the XXXX and telling me XXXX weeks compared to the first time they mentioned XXXX weeks. There was no transparency about the process and I was left hoping that everything will be done correctly.
Now on XX/XX/XXXX, I finally noticed that my balance on my loan changed and I saw that {$10000.00} on my account. This was only half of what I asked for. I was missing {$9900.00} on my account. Also I was charged {$170.00} dollars on this day by advantage and it was taken out of my XXXX XXXX
I called back after the holidays on XX/XX/XXXX after I received the direct deposit of {$10000.00}. They did not pick up and dropped my call several times. It seems they only refunded me what was the easiest to calculate and I still have a lot of payments which are not refunded made after XX/XX/XXXX ( Account history attached to this compliant ).
|
| 10/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On XX/XX/XXXX, I received an electronic communication from the US Department of Education, informing me that my student loans have been forgiven in full by the Biden-Harris Administration . This forgiveness is effective as of XX/XX/XXXX.
This communication contains the following statement : If applicable, well process a refund for any payments made towards the loans listed above after the effective date of this forgiveness.
My student loans servicer is Aidvantage.
My student loans were enrolled in automatic payments with Aidvantage. As such, I continued making automatic payments towards my student loans, uninterrupted, until XX/XX/XXXX.
My student loans account with Aidvantage shows a number of Payment Reversals which were applied to my student loans accounts between XX/XX/XXXX and XX/XX/XXXX.
The total amount of these Payment Reversals is : USD {$3100.00}.
I have been trying to contact Aidvantage for the purpose of learning the meaning and status of these Payment Reversals. To my understanding, I am entitled to a refund in the amount of USD {$3100.00}.
I have been unable to reach Aidvantage at their Customer Service phone number.
They do not answer their phones.
On XX/XX/XXXX, I contacted Aidvantage Customer Service via email, inquiring about the status of my Payment Reversals and the status of my student loans refund, if any is applicable.
As of today, XX/XX/XXXX, I have not received an answer to my email inquiry.
Also as of today, XX/XX/XXXX, I have not received a refund from Aidvantage.
Attachments : - Printout of Aidvantage student loans account payments history, showing payment reversals applied as a result of the Biden-Harris Administration student loans forgiveness.
- PDF printout of Aidvantage 's email acknowledgment of receipt of my written email about the status of my Payment Reversals and Refund.
|
| 11/04/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My husband is eligible for a refund for funds paid during the pandemic, and he is also eligible for a student loan forgiveness of {$20.00}.
On XX/XX/XXXX, he called Aidvantage regarding his student loans and requested a refund, so that his loans could be reopened and he could apply for student loan forgiveness. The agent told us it would take 4-6 weeks, and that since we were calling XX/XX/XXXX, that he would receive the refund in time to meet the XX/XX/XXXX deadline to receive forgiveness without having to repay any student loan interest once payments resume in XX/XX/2023.
It has been 7 weeks and we have not seen the refund. We called today, and we were told that it was originally 4-6 weeks AFTER their refund agents have approved the refund ( which we were not told ) but is now 8-12 weeks after the US Department of Education was sent the approved request We were also informed today that Aidvantage has not even reviewed the request. We suspect that they will not be reviewing it any time soon.
Aidvantage has deliberately not processed this request. It has not even been assigned for anyone to review it at this time. We are concerned that this is being done in order to prevent my husband to apply for student loan forgiveness. We are also concerned that this delay will result in significant interest charges being assessed by Aidvantage, because the refund could come in well after XX/XX/XXXX, and they will be able to charge interest on the amount retroactive to the date that student loan repayments resume.
The information that my husband received was incorrect. He was specifically told that it was 4-6 weeks after the request was submitted ( XX/XX/XXXX ).
We ask that the CFPB intervene in this matter so that this student loan servicer can not continue to abuse it's position and cause further harm to my family 's finances.
|
| 08/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Servicemember |
|
XX/XX/XXXX Borrower Defense Application # XXXX I received an email from the U.S. Department of Education stating in my a member of the class of Federal student loan borrowers covered by the recent settlement of the Sweet v. XXXX ( " Sweet ' ) lawsuit. I submitted a XXXX XXXX to Repayment discharge application relating to my Federal student loan ( XXXX ) The Department of Education reviewed my application and agreed the Sweet settlement relief. The Department has determined that I'm entitled to settlement relief for the loans taken out on or after XX/XX/XXXX associated with my enrollment at XXXX XXXX ( " Relevant Federal Student Loan ( XXXX ) '' based on my allegations regarding the school 's misconduct. Pursuant to the Sweet settlement, the Department of Education said they will do following : discharge my Relevant Federal Student Loan ( XXXX ) ; Provide a refund for any payments made to the Department of Education on my XXXX XXXX XXXX XXXX including XXXX XXXX XXXX XXXX including XXXX XXXX XXXX loan debt that previously paid off ; and delete the credit report tradeline associated with the XXXX loan ( XXXX ). The U.S. Department of Education stated I will no longer owe the debt. Aidvantage has been made aware of the change and yet they did not send me any details about the discharge, including which loans have been forgiven. I did a follow-up XX/XX/XXXX by email. I received a reply back from Aidvantage stating I would receive an update between XXXX to XXXX business days and yet still no reply back. This matter needs to be resolved and yet Aidvantage sends me updates about my student loan when it will start up again and yet they still haven't changed my loan balance. I feel this company is well aware of this discharge and refusing to discharge it and continue to report the inaccurate balance of my student loan.
|
| 06/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
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I XXXX issues with us dept of education I filed bankruptcy in XXXX to only XXXX bureaus XXXX and when I was doing my paperwork last year for the forgiveness program I was informed I was in bankruptcy I challenge them and when I call them and ask why am I in bankruptcy still and my full discharge was in XX/XX/XXXX. The person on the phone said my bad we forgot to remove you so then they did the most unethical thing they deleted the XXXX entry from XXXX and now is blank because they know they could not enter it twice so they reported my bankruptcy date as of XX/XX/XXXX this is wrong report and needs to be deleted this drop my point by XXXX points and I want them put back or we will be in court about my credit profile.
I applied to go to XXXX XXXX that was in the XXXX 's they then change their name to XXXX XXXX I never went to the school because I found out I was pregnant and could not attend. At that time was when paper checks were being issued they returned XXXX of the loan an never returned the rest no this has ballooned out of control I have been saying this for 25 years. Then come to find out this was predatory school and they are now closed when I ask for transcripts if I went there they could never produce them. How I found this out was went back to school in XXXX at XXXX XXXX I was granted full financial aid and then when the spring semester came about they told me I did not qualify for financial aid because I had a defaulted student loan from XXXX I ask them where this loan has been for all these years and I had a very common name XXXX XXXX Then I was XXXX XXXX my first husband I have applied for the forgiveness and it has been a year now no word. They have repeatedly sold this loan again and again and a lot of this is interest and lots of offsets. I disputed this with the Bureaus since last year
|
| 12/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
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|
Web |
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On XX/XX/XXXX I signed into my Aidvantage account for student loan payments on my Federal direct student loans and could not find clear monthly statements on prior payments, allocation to principal, and allocation to interest. One prior payment in particular to a higher interest rate loan appears to be missing despite that I've always paid extra on that particular loan and I was unable to find prior statements to verify this. This is unclear.
The second issue I have and wanted to raise to the CFPB relates to the auto-allocation feature. The auto allocation feature of the loan automatically sets the payment allocation, but does so in an unfair and deceptive manner. It appears to allocate amounts based on loan size, but does not take into account interest charge. As a result, it auto-allocates so that higher interest rate loan payment allocations do not necessarily cover their interest expense. I would consider this a deceptive practice because it 1 ) incurs higher interest costs over the loan, particularly since interest capitalizes 2 ) the default is to prompt auto-allocation and offering a 0.25 % discount for enrolling in auto-pay, which allocates in that fashion and nudges borrowers towards this decision without explaining the impact, 3 ) there are no clear statements provided that a borrower could easily check at their discretion and outlining the details in this manner, and 4 ) it unduly benefits the lender by curtailing principal on the loans with a lower profit. This is unfair because it has a disparate impact. The disparate impact is that this is likely something that households with lesser experience in finance and lower educations would not notice, and therefore are more likely to pay higher interest costs over the life of their loan. Demographically, these are typically poorer households.
|
| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account names : # = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 06/07/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
This loan was purchased by aidvantage from XXXX, not only is the information in their system completely wrong, but these loans were in an income based repayment plan that would have the remainder discharged after making a set number of on time payments every single month for YEARS. Now that this company has the loans they have changed it to a graduated repayment plan and can not provide ANY documentation on this change. This was not authorized, or known to me. They changed the repayment plan and can not show me proof of my enrollment in this program.These loans also were to be discharged per the XXXX lawsuit, as they met all criteria but now Aidvantage bought them? As well, there was absolutely no accommodations made for my time in XXXX XXXX or while XXXX. The loans ( for some reason they are split into 3 ) continued to accrue interest while i was XXXX, and even reported late month after month while i was XXXX in a XXXX XXXX. The balance they are reporting is several thousands of dollars higher than the balance actually is, and continues to increase despite monthly payments being made.
The plan i have had my loans on for years would have qualified my loans for discharge under the latest biden administration act, but now that aidvantage has taken it upon themselves to alter my payment plans they no longer qualify for discharge BECAUSE OF THIS.
We have had to retain an attorney because we have gotten nowhere with this company. 2 hours on the phone yesterday with a representative that had no idea how to answer the most basic of questions, and then hung up on when i was being " transferred '' to the military department. My information is wrong in their accounts, my name is wrong, the balance is wrong, the payment history is wrong, the payment terms are wrong, and there is nobody to help me.
|
| 08/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
When I called my loan servicer ( AidVantage ) I was told that I needed to reconsolidate my loans to get credit for XXXX payments going back several years. When I applied for consolidation at XXXX, the online offers included a 3 % interest rate at approximately XXXX XXXXXXXX. If this stated " as low as '' or something similar, it was not clear.
I understood it to be the exact rate they were offering since it used my tax return. I selected AidVantage since I was already working with them. When I received the information in the mail about my consolidation, it said my interest rate would be 7 % and my monthly payment around XXXX XXXX I called AidVantage. They said I needed to speak to XXXX. I tried calling them several times, one time being in the queue for 20 minutes when it started ringing and then I got a message that my call could not be completed and it hung up. I just got someone on the phone at XXXX ( after being on hold for 40 minutes ) who is telling me they can not do anything because this is a loan servicer issue.
The reason I reconsolidated my loans was for credit towards forgiveness going back further than what was showing. When I called AidVantage they told me this was wrong information and the agent wouldn't have told me that. I asked if the calls were recorded and they told me yes, but would not listen back. AidVantage was now stating that I had 0 credits towards forgiveness because I reconsolidated.
I don't know what to do and feel like I was taken advantage of. I work in banking and have to go through trainings. One of the trainings said that we can give deceptive information. I feel like this has happened several times here, starting with the rate quoted online. Does this same deceptive information law apply to student loans too?
Thank you for any help you can offer.
|
| 06/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have been trying to get an accurate count of months in repayment from my loan servicer, Aidvantage. I consolidated in XXXX ( only in order to qualify for the XXXX and XXXX income-based loan programs from the Federal Govenment ). In XX/XX/XXXX, I asked Aidvantage to get information from XXXX so that it could see the origination of my underlying, initial loans which originated in XXXX -- so that they could make an accurate count of the months I've been in repayment towards the eventual XXXX or 25 years of repayment loan forgiveness. On XX/XX/XXXX, Aidvantage sent me a letter, saying that as per my request, here 's the correct information -- and it only goes back to XXXX, with 8 months of repayment noted. On XX/XX/XXXX I called Aidvantage, and they told me that they had no information about my underlying loans ( prior to consolidation ), and that only my previous servicer, XXXX, had that information. Aidvantage also told me that a true accounting of my months in repayment could have only been updated with a XXXX XXXX request, but the XXXX XXXX request could only be requested up until the summer of XXXX. Note : I have not been in public service, I am not seeking XXXX XXXX XXXX XXXX. After this call with Aidvantage on XX/XX/XXXX, I called XXXX -- and XXXX told me that they had already sent all of my underlying loan information ( before the XXXX consolidation ) over to Aidvantage -- so Aidvantage definitely has it. XXXX said they could not re-send it to Aidvantage, but could send my underlying loan records by mail to me by late XX/XX/XXXX. I asked XXXX to do this. I believe I am not getting accurate information from Aidvanatge about my student loans -- both in what information about my loans that they have, and in what months of repayment accounting my loans are overall qualified for.
|
| 10/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
In XX/XX/XXXX, I applied for the SAVE program via StudentAid.gov - per the application, my new loan payment was going to be $ XXXX for 10 years, then the balance forgiven ( I started paying back the loans in XXXX ). The application was submitted directly from StudentAid.gov to Aidvantage ( the servicer ) that same day, and I also printed a copy and physically mailed it to Aidvantage that same day ( as I've had issues with Aidvantage in the past, I was making sure they got a copy ).
Over a month passes and they state they don't have anything from me regarding SAVE. So I uploaded, direct to their website, my application and supporting documents ( everything they were mailed physical copies of ). 2 weeks go by and they state they got my tax info but not the application ( and yet, when I look at the upload part, it shows the tax info AND the application were both uploaded ). I upload just the application again, and 2 weeks go by and now they say they don't have my income information ( the tax forms, which they claimed to be the only thing they had before ).
They are showing I owe them {$340.00} as a monthly payment. I've reached out multiple times with no success. I don't have time to wait on the phone for hours, and per others in the same boat, you can call and get info from one rep there, and call back and another rep will give you vastly different into. At this point it seems they are wanting people to pay amounts much higher than they should, and they are going to claim they have no info on why they are wrong. ( a document I got XXXX weeks ago says that my $ XXXX balance - from an original $ XXXX loan that I paid 10 years on - will end up costing me $ XXXX when it is paid in full in XXXX ).
Why are they trying to collect payments when their own system is completely wrong?
|
| 01/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
In XXXX of XXXX I requested a refund from Aidvantage for payments I made during the XXXX payment pause. There were XXXX payments made totaling {$5400.00}. The representative told me my request needed a supervisor 's approval since it was over {$5000.00} and that the process would take XXXX weeks.
I followed up several times over the next 2 months and was told to expect my refund " any day now '' and that it was in processing. I proceeded to consolidate my loans in order to apply for loan forgiveness after being advised that it was ok to do so since the request was in processing. When I followed up on XX/XX/XXXX ( 2 months since request ) I was advised that they were so sorry but no one had ever submitted my request but that they would do so then. I was told it would take XXXX weeks from then. I have followed up every XXXX weeks since then and have been assured that things are moving along and that my request is being processed and to expect my refund by mid-late XXXX.
I reached out to Aidvantage via email yesterday and was told that since my loan had been transferred ( back in XXXX ) that they could no longer submit the request on my behalf as they are not my current servicer. I called them today to question that, and the gentleman told me that was correct and that I needed to try XXXX, my new servicer. In speaking with XXXX I am being told that since my loans are consolidated now that I am unable to get a refund. I requested the refunds 2 months prior to my consolidation and was advised by more than XXXX Aidvantage rep that as long as my request was submitted prior to consolidation that it would still be processed.
I have now spent nearly 5 months chasing my money and feel that Aidvantage and its representatives were negligent in not submitting my requests as promised.
|
| 11/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Student loan repayments began XX/XX/XXXX, and forbearance status was to disappear, giving me the option to do autopay repayments and receive a discounted interest rate and start payment back my loans. Called a week prior to this date to set this up. XXXX told me it would take 24-48 hours to process the status change, and I said, no problem. A week later, my log in at Aidvantage showed the same forbearance status and the standard 6 % interest rate, still. Called a second time and was told there was an Income Driven/SAVE plan in place/review and the initial request to make the loans current instead of forbearance could not process. So, the agent rectified the issue by processing my initial request a second time and told me it would take another 24 to 48 hours to process. Three weeks passed and still, Aidvantage online showed the same status/interest, and I was not allowed to sign up for XXXX and get the discounted rate. Payment status still showed no due payment until the forbearance was done in a few months. Again, I called, had the same conversation with another agent and was reassured that after they resubmitted my initial request a 3rd time, the correct status/rate would be reflected on my online account within 2 days. As of XX/XX/XXXX, more than 2 months after my initial request, my account still shows my loans are in forbearance, and XXXX is unavailable nor am I eligible for the discounted rate. Called a fourth time and, again, the agent confirmed my loan status as in forbearance with an Income Driven plan in place with no payments due until XX/XX/XXXX. XXXX went through the process a fourth time and assured me that my loans would get out of forbearance, show current payments due, be automatically enrolled in the XXXX, and I would receive the discounted interest rate.
|
| 10/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Older American, Servicemember |
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Three calls were made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and corrections still have not been made.
On my first call I was asked to write a statement of request stating which of the 2 bank accounts I have listed in my account will be designated to pay which of the three loans. The website is poorly designed to accomplish this task. I need to create the word document, sign it, take a picture of it, send it to my email, save the jpeg in a file and then upload it on the website. The upload still hasnt shown up on the aidVantage site as a document I sent them.
XX/XX/XXXX I receive an Auto Pay authorization document that they werent going to process my original request they directed me to send.
I was also sent an XXXX which is a statement on aidVantages first intentions to bill me. It states 2 different payment amounts to be auto payed on the XXXX of XXXX. I called 3 times for a revised ecorrespondence and still corrections havent been made.
The ecorrespondence and the website claim to pay all three loans from one of the two banking accounts without my authorization.
The website claims that all three loans will begin payment on XX/XX/XXXX but the ecorrespondance and the representative can see that one loan to be paid on XX/XX/XXXX and the other two on XX/XX/XXXX. T There is no continuity in the financial information between the aidVantage website, ecorrespondance, phone representative and auto pay authorization form.
The auto pay authorization form does not ask which loans will be auto paid from the banking account information they requested.
***The auto pay authorization form is asking for banking accounts that are already on the aidVantage website and have been used in the past but now they are requesting a hard copy uploaded with the identical information. ***
|
| 12/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Current student loan servicer is Aidvantage.
On XX/XX/XXXX, I submitted a request through studentaid.gov to enroll in the income driven repayment plan ( SAVE ).
I received confirmation from the US Dept of Education via email that I should expect to hear from the student loan servicer within XXXX weeks.
On XX/XX/XXXX, I received two correspondences from Aidvantage confirming the request had been received AND I had been placed on administrative forbearance. Forbearance had payments on hold for 60 days, resuming no later than XX/XX/XXXX. Unfortunately, interest would continue to accrue.
I called Aidvantage on XX/XX/XXXX because my request was still outstanding, forbearance had been extended to XX/XX/XXXX with interest continuing to accrue. Monthly amount of interest accrued is significantly higher than SAVE monthly payment.
This dynamic is devious and unethical. Accruing interest and enduring longer processing times financially penalizes borrowers. This is particularly true when borrowers like myself did things correctly and on time ( applying early ) and financial penalties are levied for circumstances outside of their control.
Aidvantage is now coming up on 90 days to process the income driven repayment request and is suggesting that it could up to three more months ( through XX/XX/XXXX ) before payments are resolved. If Aidvantage can not process things in a timely manner, they should NOT unfairly and unethically penalize borrowers and/or financially benefit for shortcomings in their procedures!
Aidvantage, while processing these applications, should be subject to similar conditions as XXXX where the Dept of Education instructs the company to place all impacted borrowers on administrative forbearance with 0 % interest until the issues are resolved.
|
| 10/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
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Web |
|
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I graduated in XX/XX/2023. Therefore, I am legally entitled to a grace period terminating on XX/XX/2023, for my direct loans. Similarly, I am legally entitled to a deferment for my XXXX XXXX loans terminating on XX/XX/2023.
I have ten outstanding federal loans with my loan servicer, Aidvantage. Nine of those loans were successfully marked as being in deferment and/or in their grace period. However, one loan was not listed as being in deferment and showed a payment due. On XX/XX/XXXX, I called regarding the erroneous loan status. They told me they requested a ticket and it should be fixed in a week.
I called a week later on XX/XX/2023, as the error on my account was STILL not fixed. Instead of offering assistance, or rectifying the situation, the customer service agent told ME to have patience with the agency and to expect the issue to be corrected by XX/XX/2023. I requested to speak to her supervisor in an attempt to expedite the fix, but I was placed on a long hold before the call was intentionally terminated.
I checked and as of this morning, all of my loans have been pulled out of their grace period/ deferment status and ALL are displaying a payment due in two weeks. I'm not sure if this is some retaliation for my persistent calling, or if this is simply yet again another error with Aidvantage 's service.
I feel so helpless, so frustrated, and so taken advantage of. I am a former homeless youth. I was forced to take out Federal loans as the only option to pay for school, and now I have been violated by predatory loan servicers ( on top of grotesque interest rates ) at the hands of the Federal government. This was an error on my account, entirely the fault of the servicer, and now my credit is going to take a hit. This is so unbelievably wrong.
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| 02/06/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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|
Web |
Servicemember |
|
My loans were recently transferred from XXXX to aidvantage, i was paying XXXX with income driven repayment a total of {$150.00} a month which includes a payment of {$64.00} and a payment of {$95.00}. I was told I would not have to make any changes to payment as the transition should be seamless, the first month of having aidvantage they took a total of {$340.00} in 2 payments in XXXX - one of {$170.00} and one of {$170.00}. I had suddenly been receiving tons of mail from aidvantage and XXXX about my loans in the last 14 days and logged in on XX/XX/2022 to find out they had my autopay set up to withdraw approximately {$3000.00} from my account on XX/XX/2022 without any warning in any of the mail I had received or by phone/email. I immediately called aidvantage and they canceled my autopay and assured me they would not collect that money as the autopay has now been canceled. They also had issues putting me back into income driven repayment. Because of this I had them put me in COVID relief deferment so that I wouldnt have a payment, and I then I made a payment for {$170.00} as this is the amount I have been paying to XXXX regularly and monthly for the past 2 years. I realized they were wrong or lied and withdrew {$1700.00} on XX/XX/2022, over drafting my account. I logged into their website today to ensure that my autopay is off and found that I am no longer in the Covid relief and have a payment due for {$1200.00} which appears to be the amount that is left over after they overdrafted my checking account. I also received multiple past-due notices for small amounts such as {$5.00} and a {$30.00} for XXXX, despite being set up for Auto-pay and also already paying my loans for that month, which was an amount that they had already changed and increased.
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| 01/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I called Aidvantage in XX/XX/XXXX to request a loan under the Federal Student Loan Debt Relief, for which I should receive roughly {$5000.00}. After speaking with a customer service rep, I was told I should see my refund within XXXX weeks. Therefore, I should have received the refund in approximately XX/XX/XXXX.
In XX/XX/XXXX, I called Aidvantage to follow up and ensure there were no issues. Although the loans had re-appeared on my credit report, I had yet to receive any notifications from Aidvantage regarding my request. The customer service representative told me that my request for a refund was never submitted. They stated that they could present the proposal now ; however, it would take an additional XXXX weeks to process. This meant that I would receive my refund in approximately XX/XX/XXXX.
I called Aidvantage on XXXX XX/XX/XXXX, and the customer service representative told me that I needed to wait another week and, if there was nothing processed, I should call back.
I called Aidvantage on XXXX XX/XX/XXXX. The customer service representative was extremely rude and told me that I needed to wait another week and that if there was nothing processed, I should call back.
They also stated that when the refund is processed, it will take an additional XXXX weeks before I see it, pushing the date I expect to see my requested refund to XX/XX/XXXX.
The amount of uncertainty while dealing with Aidvantage has been astronomical. In addition, customer service representatives need to be more knowledgeable concerning refund processes and timelines.
I am confident I will never receive my XXXX XXXX XXXX XXXX XXXX as promised.
Aidvantage has no interest in processing my request. I am calling weekly for updates, but I need help to get through.
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| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
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Web |
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Dear CFPB, I am writing to file a complaint against AidVantage ( loans previously held by XXXX ) for illegally accruing interest on my student loan payments during the period that interest on student loan payments was frozen by the Biden administration.
I have been a customer of Aidvantage since XX/XX/XXXX, when XXXX transferred them my debt. At that time, my balance was significantly less than {$27000.00}. The last balance I have written down from XXXX was {$27000.00}, and even that balance included illegal interest accrual from the 2 years prior, when my balance was closer to {$24000.00}. I have not opened any new student loans since XXXX, and I have been in deferment since that time. I am aware that interest on student loan payments was frozen from XX/XX/XXXX to XX/XX/XXXX.
However, when I checked my loan balance on XX/XX/XXXX, I was shocked to see that it had increased to over {$30000.00}. I contacted Aidvantage to inquire about the discrepancy, and they have not yet provided an adequate explanation or solution.
I believe that this is a clear violation of the law. The Biden administration specifically stated that interest on student loan payments would be frozen during the COVID-19 pandemic to provide financial relief to borrowers. Either Aidvantage or XXXX ( who sold my debt to Aidvantage ) has violated this order by illegally accruing interest on my loans.
I am requesting that the CFPB investigate this matter and take appropriate action against Aidvantage. I am also requesting that Aidvantage immediately correct my loan balance to that which was reported by XXXX on XX/XX/XXXX and refund me any interest that was illegally accrued during the period that interest was frozen.
Thank you for your time and attention to this matter.
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| 12/10/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
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On XX/XX/2022, I requested some documents via the aidvantage portal, to furnish to my mortgage lender for my pre approval process. On XX/XX/2022, I received the documentation that indicated my total loan amount and that my monthly payment was XXXX. However, the lender needed to see what my monthly amount would be once my loan is out of deferment. Which is indicated on my credit report, but my loans are in forbearance due to my attendance at a higher educational institution. Instead of communicating via internet, I decided to call on XX/XX/2022 and the representative was able to furnish a letter stating my estimated monthly amount, the loan amount listed on the document was in only {$60.00}, when I currently owe over {$150000.00} in student loans. Of course the mortgage lender refused to accept that documentation because it now shows conflicting information. I called repeatedly called XX/XX/XXXX and XXXX for someone to furnish the same letter, but with accurate figures, but every representative ( approximately 6 ) I spoke with, either I got disconnected or they said I have to wait 15 business days for my NEW application for and IDR plan to be processed. Im frustrated and confused how one was able to produce a letter but the others were not. I was even told they would have their supervisor write the letter and I got disconnected. AND NO ONE called me back after be disconnected. In addition, the representatives try to talk over you, or seem inept or just not trained properly. One had the audacity to tell me I filled out an application wrong, which I did not fill out one with then, it was produced based on the information they collected from me. This servicer is a hot mess and I hate to see how it will be after the XXXX pause is lifted.
|
| 09/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I applied for the new IDR plan called SAVE via StudentAid.gov on XXXX XXXX Their site says Aidvantage finished reviewing my application on XXXX XXXX
I received a letter from Aidvantage saying I needed to call them to complete the process, however, I have tried to call several times and have spent many hours on hold waiting to speak to someone, to no avail.
I am XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX which means that staying on hold for hours listening to their recording is extremely difficult.
I also emailed them ( on XX/XX/XXXX ) and still haven't heard back ( as of XXXX XXXX ).
I've also tried their live chat function on their website many times, and it never works. When I start a chat, I immediately get a message " We are currently having heavy volume. Sorry for the inconvenience. Please try back later. '' Part of the promise of the new SAVE plan was that this process would be much easier and less of a burden, however, Aidvantage is making it entirely impossible.
I have done everything I can possibly do on my end, including submitting the full application via the StudentAid.gov website and self-certifying my income.
I have seen many others in a student loan forum are having similar issues. It seems Aidvantage is intentionally holding off on processing our applications, probably so we will have to pay once the deadline passes.
I contacted StudentAid.gov regarding this issue, and they said they could not help, only Aidvantage can help. I have hit a dead-end since I have no way to get in touch with anyone at Aidvantage.
This means interest on my student loans is accruing when it shouldn't be, costing me hundreds or potentially thousands of dollars, depending on how long it takes to resolve this issue.
|
| 08/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My plan was to get some student loans paid off before interest starts back up, but twice now my attempts to pay have been blocked.
First attempt was over a week ago. I got an email that the payment was posted and the loans were at zero, but my bank never pulled the funds from my account. The next day it showed " payment reversal '' on my account history, but I didn't get any notice of why. I called and they said that there was an error with the account number. I asked for this in writing so that I had proof before I resubmit the payment ( If they pulled the money twice I wanted proof that the overdraft wasn't my fault ), and was told it would take over two weeks to get an email confirming that the payment hadn't gone through?
I told them to send it as soon as they could but specify the dates. I got verbal confirmation that they wouldn't attempt that payment again.
Yesterday, after letting everything sit for a couple of days, I went to make the same payment again. Triple checked the account number. I got an email stating payment was confirmed! ( not " posted '' like last time ). This morning I woke up to letters in my AidVantage inbox saying the payment didn't go through because of invalid account number.
Now that this has happened twice, I'm convinced this is not any error of mine. Both times I was careful to input my information correctly. I'm convinced there's a technical problem on their end, but their helpline people are useless. They switch between blaming the bank or blaming me.
I've confirmed with my bank that no attempt was made to transfer money out of the account.
Essentially I have no way to prove that the problem is on their end, and their system is being so buggy that I can't get accurate information.
|
| 09/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
My student loan servicer is Aidvantage, and I have been trying to get them to honor my automatic enrollment into the XXXX XXXX, as I was previously on the XXXX XXXX. They are telling me I am obligated to re-apply for XXXX, and will not honor the fact that my loans were in XXXX all through the pandemic.
I most recently certified for XXXX in XXXX, receiving confirmation from XXXX XXXX on XX/XX/XXXX that I was in the XXXX plan, and that my payment would be {$430.00}, first due on XX/XX/XXXX. During the pandemic, I paid down my loans considerably. Even paying them off for a short period of time. I required that money back, and so asked for Aidvantage to return the payments I had made on XX/XX/XXXX.
With my loans re-instated at Aidvantage, they now have my monthly payment amount correctly carried forward into the XXXX XXXX - I owe {$380.00} per month which is in line with my expectations of the XXXX XXXX XXXX adjustment. However, they have my loan payment plan as " 10 Year XXXX XXXX ''.
I have called and messaged them multiple times asking that they change my repayment plan in the system to SAVE, since clearly they have calculated my payments. I also read them the following section from studentaid.gov - " Were you on an IDR plan before the payment pause began? If so, you will stay on that same plan when payments restart ( unless youve changed repayment plans since then ). '' ( XXXX XXXX XXXXXXXX ).
Despite me sending them that information, they have told me that I am obligated to recertify for XXXX, and would not provide a reason why.
As a result, I am not receiving the interest subsidies under the XXXX XXXX, costing me thousands every month. Also, the payments I am making will not count towards XXXX forgiveness.
|
| 11/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have been on autopay for my XX/XX/XXXX loans since I began paying them in XXXX. During the payment pause for the COVID crisis, my loan servicer changed from XXXX to Aidvantage. During this time I received multiple emails stating I should update my autopay information to let them know I wanted to continue with autopay once payments resumed. I unfortunately do not have dates for these emails and when I completed their online form, which was at least twice, because I had no reason to believe they would cancel my autopay. When I did complete them, there was no confirmation that the form was completed, nor were there emails stating it had been completed, so I had no way of knowing whether or not it worked. My XXXX statement looked normal, and I received an email on XX/XX/XXXX stating that my payment had posted. I also received an email on XX/XX/XXXX stating that my XXXX payment is " all set with auto pay. '' However, Aidvantage had actually reversed my XXXX payment without telling me they had done so. They then cancelled autopay and did not notify me of this until XX/XX/XXXX. I have attached all emails from the date the XXXX payment should have gone through, as well as a screenshot of the reversed payment, which I did not discover until Sunday, XX/XX/XXXX after seeing that my XXXX payment due was higher than usual. You will also notice that I made a payment in XXXX before payments were due because I wanted to give myself the extra month to adjust for getting used to them starting up again. I am not someone who doesn't pay my bills, which is reflected in my credit score and makes this situation that much more infuriating. Most of my bills are set up for autopay to avoid this very thing, and this one should have been too.
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : # DEPT OF ED/XXXX Account number XXXX Account name : DEPT OF ED/XXXX Account number : XXXX Account name DEPT OF ED/XXXX Account number XXXX Account name DEPT OF ED/XXXX Account number XXXX Account name DEPT OF ED/XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX SELF-REPORTED Account number XXXX Account name XXXX SELF-REPORTED Account number XXXX Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 09/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I was previously with XXXX as my service provider paying ~ $ XXXX for my student loans. Then student loan payments were paused for XXXXhree+ years, and when I get an email notice that my payments are going to be resuming with my new provider, Aidvantage XXXX I login to my account and notice the monthly payment option is $ XXXX than what I was previously paying. When I emailed Aidvantage for an explanation I was not responded to within two business days as they indicated. I called a week later, waited 40+ minutes on hold to even speak with a person, and they were unable to tell me why my payments had increased. I was not on an IDR with XXXX, and they kept saying I was on Aidvantage 's " standard '' plan option. They tried to push me towards an IDR plan, which I refused because I a. probably won't qualify, and b. I shouldn't have to be on one because they adjusted my payments. I did not choose my service provider, I did not choose which " plan '' I was on with them, and was given no explanation for why my payments would have increased. I was never informed my payments would be increased, I received no new Truth In Lending Agreement, or payment schedule with Aidvantge nor did I ever agree to pay more per month for my loans. They violated UDAAP by expecting me to pay a higher amount with no explanation, and instead of doing the right thing attempted to lock me into one of their IDR plans in the hopes that I would then be ineligible for any future student loan forgiveness.
After being on the phone with Aidvantage for an hour and fifteen minutes, and being put on hold multiple times because the agent could not explain why my payments had increased, I was subsequently hung up on, with no resolution or explanation.
|
| 10/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I called Aidvantage twice to inquire about a refund on my student loan payments. My first call was on Friday XX/XX/XXXX. The rep I spoke with was very impatient with me, continually cut me off, and rushed me off of the call. Each time I asked a question, she literally huffed like it was an inconvenience to even be assisting me. I even told her Im sorry that Im inconveniencing you by having questions, I know that youre probably swamped but I really dont understand how all of this works.
I hung up feeling very flustered and confused about what to expect going forward.
After reading online that I ought to give it a couple of weeks to follow up, I called Aidvantage again on Tuesday XX/XX/XXXX. This time the rep said All I can tell you is that your refund is being processed. Were so backed up that theres no way for me to update you other than that at this time. While this man was much more pleasant that the first woman I spoke with- he had ZERO information for me whatsoever. He went on to ask me how the liquor laws work down here in South Carolina. He wanted to know if its easy to buy booze at the local stores and/or on the weekends, and then went on and on about his struggles with it up in Pennsylvania where he lives.????!!!?!
I, again, hung up feeling like I got nowhere with the reps at Aidvantage. I can only imagine the sheer volume of calls they must receive, but there has got to be a better way to service those of us that are due money back.
For many people these days, the struggle is real. Im a XXXX mother of XXXX. The rising costs have us barely getting by. I would be so grateful if someone could please look into my refund request and help me with obtaining my refund as soon as possible.
Thank you.
|
| 10/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My student loan payment was due on XX/XX/XXXX, and I made all necessary updates to my Advantage account to allow the payment to be drafted from my checking account on that date. I received an email on XX/XX/XXXX that my payment had been posted. I then receive an email on the XXXX that my student loan payment was past due. I logged into my Aidvantage account and see on the transaction history that a payment was received, then was reversed. I received no notification from Aidvantage or my bank that the payment had been reversed and Aidvantage 's website provided no explanation why. I had even submitted documentation before the XXXX to make sure my married name was on my Aidvantage account to match my bank account. I tried contacting Aidvantage through the chat on their site and just received a notification that they had too much volume and the chat would automatically close. I tried several times. I called them and went through the auto attendant trying to get to real person and had to give up after being on hold for half an hour. I contacted my bank and they said that no attempts had even been made on my account for that amount, and that any reversals would show. I confirmed that I had entered the correct bank account and routing number as well, but Aidvantage had not even tried to pull the money from my account. So now they are saying I am " past due '' and that I owe double my monthly payment now. I have resubmitted the payment on Aidvantage 's website but have zero faith it will actually go through. There are numerous reports on XXXX that others have experienced this exact same thing, where Aidvantage either consistently " reverses '' their payments or straight up will not allow them to be made.
|
| 09/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
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Web |
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|
Aidvantage is requesting repayment for a loan. Before I send any money to them I would like proof that such payment is owed.
In accordance with Holder In Due Course Rule UCC 3-305 ( e ) ( ii ) ( HIDC ) the person obliged to pay the instrument has a defense, claim in recoupment or claim to the instrument that may be asserted against the person who granted the security interest, the person entitled to enforce the instrument may assert rights as a holder in due course only to an amount payable under the instrument which, at the time of enforcement of the instrument, does not exceed the amount of the unpaid obligation secured.
I am asserting my rights as the holder in due course of any rights, interest, dividends, proceeds, and profits made from the promissory note, application or commercial instrument involving the consumer credit transaction with Aidvantage.
I am demanding answers to the following : 1. Was the promissory note sold to a special-purpose vehicle or trust?
2. Has the note/commercial instrument been securitized?
3. If the note has been sold, how much profit was made from the sale?
4. Is the applicant entitled to the profits made from the sale of the note?
5. Is the promissory note considered collateral security?
6. Did Aidvantage provide full disclosure as to the consumer credit transaction with the applicant?
7. Is Aidvantage in possession of the original promissory note and can provide proof of such on request?
8. Did Aidvantage loan me any money?
9. Is Advantage authorized to loan money to applicants?
10. Can Aidvantage show documentation that money was debited from their bank account and given to me?
11. What species of payment is Aidvantage requesting for repayment?
|
| 02/17/2022 |
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 XXXX XXXX / XXXX / 120 days late XXXX XXXX XXXXXXXX XXXX XXXX XXXX 120 days late XXXX XXXX XXXX / XXXX XXXX 120 days XXXX XXXX XXXX XXXX XXXX XXXX / 120 days XXXX XXXX XXXX XXXX / XXXX / 120 days XXXX XXXX XXXX XXXX XXXX XXXX / 120 days late XXXX XXXX XXXX XXXX XXXX XXXX 120 days late XXXX XXXX XXXX XXXX XXXX XXXX 120 days late XXXX XXXX XXXX / XXXX XXXX 90 days XXXX XXXX XXXX XXXX XXXX XXXX / 90 days late XXXX XXXX XXXXT / XXXX / 90 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
|
| 01/21/2022 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
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XXXX provided me subprime private loans with a credit score of XXXX and a XXXX $ an hour job living in XXXX XXXX XXXX were originated between XXXX and XXXX by XXXX XXXX , my loan specifically in XXXX. I was mislead and deceived by XXXX when I was issued XXXX XXXX loans and this company knew Id never be able to afford paying them back ; and XXXX has ruined my life by this debt with interest over {$40000.00} XXXX dollars by splitting my loans up into several high interest loans destroying my credit and putting me on the XXXX program in XXXX for one year I laid XXXX $ a month for 12 months then went into default due to job loss and accumulated more debt and never-ending interest payments. NOW THE LAWSUIT IS BRINGING ATTENTION TO THESE CROOKS I CRIED WHEN I SAW THAT ALL THE CRITERIA MET FOR MY LIFE TO FINALLY HAVE A CHANCE FIR A FAMILY AND HOUSE. But when I read to go on the student aid.gov site to make sure my address was up to date I was SHOCKEDXXXX HAD NOT PUT ME IN DEFAULT IN XXXX then with no yearly re-applying for the XXXX program showing funds they had forged or kept me in the XXXX program for 10 years with the state of Alabama which is not eligible for cancellation of private student loans. I havent made XXXXne payment in 10 years yet they have falsified INFORMATION ON THE GOVERNMENT SITE AND THE APPLICATIONS EACH YEAR HAVE NO SIGNATURE FROM MYSELF OR THE CORRECT STATE OF GA THAT I RECEIVED THE LOAN AND MY PROMISSORY APPLICATIONS I HAVE SHOW! Its overwhelming the illegality of this life ruing act. I put my new GA address on the gov site but read if its not default no cancellation!!!!!! WHAT??? The whole illegal scam was to keep us out of default!! Please help.. XXXX people is a joke!!!!!
|
| 03/19/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
XXXX exists to profit from the financial instability of students. This conflict of interest, particularly when considering they handle vast amounts of the XXXX XXXX monies, mustn't be taken lightly. It impedes social mobility.
The Western world posits value-based sectors and companies are necessary to the framework of a free market, yet XXXXXXXX XXXX deliberate disregard for the financial health of the individuals the company is supposed to serve calls into question its position. They would not exist if not subsidized by the Federal Government and abuse the fact the XXXXXXXX XXXX finances, in theory, can not be untangled from those of the company due to their long-standing relationship and data structures. Such realities have benefited their bottom-line rather than the individuals forced into using their products by the XXXX.
They referenced the entire sum of my XXXX XXXX on what creditors refer to as the " XXXX XXXX '' of a given loan. Half of that amount was the legitimate sum owed -- and yet they've failed to correct such discrepancies despite my asking. Furthermore, a representative of the XXXX advised me that no payment was necessary for the next several months due to the CARES act, adding no accounts would go into collection if one chose to hold off on said debts.
Most folks ' credit-based foundations are nascent when first entering college. It is highly callous to sabotage their financial future and stability by contracting with a company that cares little for those Americans taking their first steps into adulthood, provided credit scores affect one 's ability to get hired, obtain lines of credit, and virtually every other aspect or strata where social mobility is relevant.
|
| 11/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
XXXX XXXX Consumer Financial Protection Bureau Subject : Formal Complaint Against Navient for Non-Compliance with Opt-Out Disclosures Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint against Navient regarding their failure to provide me with the opt-out disclosures for my student loans. I previously submitted a dispute to Navient and the Department of Education concerning the absence of opt-out notices for all my student loans. Regrettably, I have not received a response from either entity in accordance with my request.
As per the Fair Credit Reporting Act ( FCRA ), consumers are entitled to receive opt-out disclosures when disputing information related to their credit report. Despite my efforts in reaching out to both Navient and the Department of Education, I have not been provided with the necessary information that would allow me to make an informed decision regarding the management of my student loans.
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure Navient 's compliance with the FCRA. I believe that the lack of response from Navient and the Department of Education is a violation of my consumer rights, and I am seeking your assistance in rectifying this situation.
Enclosed with this letter, please find copies of my previous dispute submissions and any relevant correspondence with Navient and the Department of Education. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly.
Thank you for your time and assistance in resolving this matter.
Sincerely, XXXX XXXX
|
| 02/02/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon.
I am stopping all communication through medians other than that through Mail, this is including that of my consumer report. I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail and that all other mediums are cease and desist at once. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my Unlimited credit file and also the fact that there is a credit FILE and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. Send me the verification/ validation below with the file of where and whom the debt was originated from also who was spoken to that furnished this info.
Send everything to the address below, and once again that is the only medium of communication We will continue speaking through.
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX fl XXXX
|
| 09/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XXXX : After I called Aidvantage on XX/XX/XXXX about entering in an XXXX plan, they approved me into the XXXX program using incorrect income information with a monthly payment of {$400.00}. As soon as I saw this document from them, I reached out again on XX/XX/XXXX about reducing my monthly payment. For reference, my XXXX XXXX was approximately $ XXXX, so there was no way I should be paying that much on a monthly basis.
XXXX : I received a document from Aidvantage stating there was a change in my loan terms. The new monthly payment became {$300.00}.
XXXX : I received another document from Aidvantage saying they automatically converted me to the XXXX plan.
XXXX : I called Aidvantage many times about getting my monthly payment calculated correctly. I used the Studentaid.gov website to calculate my payment using the correct IRS info, and it should only be around $ XXXX. After several unhelpful representatives brushed me off, I finally found someone who confirmed that I should be paying that amount. He assured me that he would get this changed on their side.
XXXX : 3 weeks later I received 2 documents from Aidvantage. The first one stated that " it's too soon to process your XXXX recertification '' and that they were unable to process my recertification request. The second document is a monthly statement from XXXX with the incorrect payment amount of {$300.00} to be paid by XX/XX/XXXX.
I plan on reaching out again, but I've been trying to get this settled since XXXX with many phone calls that were either disconnected mid-conversation or left uncertain. I shouldn't have to pay {$130.00} more per month just because Aidvantage is incorrectly managing my loan repayment plan.
|
| 10/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
With the end of the student loan repayment pause, I reached out to AidVantage to understand why my account balance was higher on their website than it was on the studentaid.gov website.
On XX/XX/2023 they responded that " Your current balance is {$8300.00}. This discrepancy of {$3.00} can be due to the refund request that was processed. This discrepancy of {$3.00} can be due to the refund request that was processed " which didn't make a ton of sense to me, but it was only {$3.00} so I figured they were a bit XXXX but it wasn't worth my time.
Then, on XX/XX/XXXX I got informed that my auto payment has been processed, but I see that now on the Aidvantage website it says that my balance is " {$8400.00} '' When I look at " Account History '', the only action in the last 90 days is from XX/XX/2023, where it says " Capitalized Interest '' but all of the amounts say {$0.00} ( screenshot is included ). It doesn't say anywhere why or how this {$27.00} dollars was accrued or how I could have avoided it being converted to principal.
It looks to me like Aidvantage is expecting that most of their borrowers aren't noticing this increase in their amounts due, thus they're marking that interest was capitalized but not noting the amount on our accounts page, so they've somewhat told us that interest was converted into capital but they withheld the amount and it is not obvious what happened nor why.
This feels like XXXX behavior- I'm on autopay, so why should I be penalized with capitalized interest when I had no chance to pay that interest/the auto-pay didn't cover it?
I tried calling Aidvantage today XX/XX/2023 to ask them about this but they just kept me on hold for over an hour.
|
| 05/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Across XXXX accounts, there are XXXX late payments on each account for a total of XXXX late payments being reported on my credit report which are incorrect. The first was reported in XXXX of XXXX and the last was reported in XXXX of XXXX. Since my loan repayment began back in early XXXX, Ive had my account set to automatic payments to avoid any confusion or missed payments. Yet, here I am. Suffering the consequences of reporting that I would call unjust and inaccurate. Despite my many efforts to get in contact with XXXX ( my original loan servicer ) for answers and to try and rectify these errors, I was never given any reason or even any communication in response to my many certified letters. My countless disputes with the credit reporting agencies concerning the incorrect information have continuously been overlooked and all communicative efforts abandoned on their end. I have asked many times via certified letters for the error to be rectified or the account removed completely. I am not sure what else I can do, as these errors have cost me tens of thousands over the years and continue to leave restrictions on my life and financial well-being. It has made it difficult to obtain various types of credit as well as favorable interest rates. And, while I do not think its an accurate portrayal of my credit worthiness or ability to pay my debts, I am unsure of what I can do to rectify this situation. I am here asking for help with removing these late payments so that I can resume my life without the burdens associated to their negative repercussions. If the late payments can not be rectified, I at the very least ask that the accounts be removed from my credit report entirely.
|
| 03/01/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I recently received a copy of my ( XXXX, XXXX, XXXX ) consumer report on XX/XX/XXXX and I noticed some late payments posted on my consumer reports from XXXX.
XXXX is in clear violation of the law, under 15 USC 1681b permissible purpose of a consumer report, THE LAW CLREARLY STATE : ( a ) In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
I did not give XXXX written instructions to furnish this on my consumer report.
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from my consumer report related to these account listed below, this agency is in violation of 15 USC 1681.
Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of all late payments of the above referenced account, and update those corrections with the XXXX will result in legal actions against XXXX for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Neglegent establishment of identity fraud 3. Fair Debt Collection Practice Act 15 USC Violation 4. Fair Debt Collection Practice Act 15USC 1681 Violation for willful noncompliance civil liability, USC 1681n
|
| 04/06/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I previously had student loans that were being serviced by XXXX XXXX. On XX/XX/2021 I received a notice from XXXX that my loans were being transferred to XXXX. I never received any statements or correspondence regarding my loans from XXXX. Yesterday, I was notified by Aidvantage that my payments were about to resume and that I had an option to opt into auto-pay or not. I never received notification that my loans had been transferred to Aidvantage or any other correspondence from Aidvantage or XXXX. I was unable to access my online account for either serviced and ended up calling Aidvantage customer support. I let the CS rep know that no statements or documentation regarding them servicing my loan was sent to me and that I needed additional detail on my loans before opting in to any form of payment. I explicitly told the rep they do not have my consent to resume auto-payments and to not make any changes to my account.
The next morning around XXXX, I received notification from Aidvantage that I had opted in for autopay. This occurred without my consent. None of my bank details or loan details beyond my balances are available on the Aidvantage website. Their website also inaccurately states that my payments will resume in 25 days although payments have once again been passed until the end of summer.
Their business practices are dishonest and predatory. Aidvantage has made changes to my account and payment details without my consent. No notification of these loans being transferred from XXXX to Aidvantage was provided to the borrower. If these companies are not doing their due diligence to notify borrowers, they should not be trusted to service federal student loans.
|
| 09/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
The balance on my account is incorrect. I have emailed Aidvantage about this issue but I have not heard back from them in three weeks.
I used to have an account with XXXX before my account got switched over to Aidvantage. Before the switch, I paid off all the interest and paid {$1400.00} towards my principle balance. On XX/XX/ I noticed that interest had accrued on my account of {$220.00}. Which shouldn't have happened, because the COVID forbearance period was still in effect. I brought this up to XXXX and they said that there was an issue with updating accounts and that it would be handled. Towards the end of XX/XX/2023, my account was transfered to Aidvantage with the accrued interest. I emailed Aidvantage on XX/XX/XXXX and was told to allow up to 90 days for all the information to update. Fast forward to XXXX XXXX XXXX I have emailed my situation to Aidvantage but have yet to hear back from them after three weeks. Before this random accrued interest appeared on my account, and before the loan service switch, my principal balance was at {$29000.00} with {$0.00} in accrued interest- this is what should be my current balance... but now my account states that my balance is at {$29000.00}. I did happen to notice that my payment history from when I was making payments to XXXX has not been transfered over to my account ( at least, I am unable to see it ). But before my account was switched, I was able to take screenshots of my payment history and the randomly accrued interest which I would be happy to share.
As we all know, payments resume this XX/XX/2023. I would like for this issue to be resolved so it doesn't become a more complicated and bigger mess to untangle.
|
| 04/21/2022 |
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 |
|
|
I am reaching out because I am at a complete loss right now. I am attempting to get a mortgage and my credit reports show I have 9 missed payments to my student loans. When I investigated this further it shows I have 2 missed payments from XX/XX/XXXX and 7 missed payments from XX/XX/XXXX. I disputed this with the credit agencies and they came back and stated that they verified the information and they can not remove it. I then requested my student loan status history. For all 9 of the reported missed payments I was in economic hardship deferment. I was in deferment XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX until XX/XX/XXXX. The missed payments being reported fall within these times of deferment. I wrote a letter and attached supporting information to Aidvantage and they wrote a letter back stating that I am still responsible for the missed payment and they can not retract the negative mark from my credit. I have been so stressed out about this! It does not seem fair that while I was in economic hardship deferment they can " kick me while I'm down ''. I then called Aidvantage credit reporting line on XX/XX/XXXX right before I wrote this email and while the guy I spoke with understood and agreed with what I was saying the only advice he could offer me was to write a letter to Aidvantage. I explained that I did that already and he stated there was nothing he could do.
I am hoping that you can help me get this resolved or point me in the right direction. I am a single mother and have XXXX small kids and I really just want to provide a house, a place they can grow up, and I am being haunted by missed payments that should never have been reported in the first place.
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/2023 I received a Notice that my Federal Student Loans would be transferred to XXXX after being approved for Public Service Loan Forgiveness.
XX/XX/2023 My Department of Education/Aidvantage Student Loan Status changed to : Paid in Full with a {$0.00} balance.
XX/XX/2023 I notified XXXX about the new PSLF status.
XX/XX/2023 Department of ED/Advantage reported to Credit Bureau to delete the entire account from credit history which eliminated all positive standing/payments made prior. This also eliminated any credit showing {$20000.00} being paid in full, resulting in a lower credit score.
XX/XX/XXXX I contacted XXXX about the deleted account. XXXX was able to inform me that when they contacted Ed/Aidvantage to verify the PSLF status, they requested to just delete the entire ED Aidvantage account instead of a paid off status. XXXX also stated they would not be able to fix this error. I would have to contact the Loan Servicer and request they resubmit an accurate report.
XX/XX/2023 Contacted ED/Aidvantage and requested they resubmit an accurate report showing the Loan was either transferred or paid in full. I was told that there was never any request for the loan to be deleted and there was nothing they could do. They also refused to send me the report they submitted to credit bureau or any of the request they had received from XXXX on the dates listed.
As of today, XX/XX/2023 I have not been able to get anyone to help fix the problem despite multiple attempts in writing. My credit score remains lower than needed preventing me from refinance or getting a new the mortgage loan that I had just applied for when all of this information was discovered.
|
| 09/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
This is in regard to Aidvantage failing to appropriately apply my payments to my unsubsidized student loans. This issue has led to unjust interest accruals, costing me financially and causing undue stress.
On XX/XX/2023, I made a payment of {$6900.00} to Aidvantage, expressly intending for it to cover all my outstanding unsubsidized student loans. While a portion of this payment was applied correctly, a significant fraction was not, even though my records confirm that Aidvantage received the full payment. As a result of this oversight, my unsubsidized loans have unjustly accrued interest, especially detrimental given the timing right before the restart of student loan interest rates.
Despite multiple attempts to rectify the situation, my efforts to contact Aidvantage have been thwarted. Their phone system lacks options to speak with a representative or leave a message, and my emails have gone unanswered. Such a pattern of behavior, which obstructs consumers from addressing critical concerns, borders on fraudulent and deserves the scrutiny of a consumer protection body.
I urgently request the following : The immediate removal of any and all interest that has unjustly accrued on my unsubsidized student loans.
XXXX XXXX of my {$6900.00} payment to the intended unsubsidized student loans.
An investigation into Aidvantage 's practices to prevent further harm to other borrowers.
I sincerely hope the Consumer Financial Protection Bureau will take swift action to rectify this situation and hold Aidvantage accountable. No borrower should face such barriers when attempting to responsibly manage their student loan debt.
Thank you for your attention to this matter.
|
| 06/06/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I found out about Covid forbearance refund in XXXX. I had reached out to XXXX ( they couldn't find any information on my acct as of XX/XX/XXXX. XXXX it was moved automatically to Aidvantage. I reached out to them on XX/XX/XXXX, XXXX this was prior to consolidating for PSLF ( this was done on XXXX XXXX, XXXX ). They said it would be processed and to reach back out in 4-6 weeks if I had not heard anything. I reached out to them again on XXXX XX/XX/XXXX and was told it didn't get processed, I explained that now the loan have been moved to XXXX XXXX the rep said it could still be processed thru Aidvantage since I started the refund request prior to applying for consolidation, I was also told to reach back out in 4-6 weeks if I had not heard anything. I reached out to Aidvantage again on XX/XX/XXXX as I had never received refund or any correspondence, I talked to a more informative rep then and was told the request was never processed, I did ask to speak to superior but she said she discussed with superior and refund would be " expedited. '' I was then told to call back on 4-6 weeks. On XX/XX/XXXX, I reached out to Aidvantage and was told they couldn't do the refund as my loans weren't with them any longer and was told to reach out to XXXX. I reached out to XXXX and was told they can not process refund as they had no history of my payments- just the new consolidated loan in from XX/XX/XXXX. I have exhausted my time attempting to get granted covid forbearance refund without any explanation. I even sent an email to XXXX on XX/XX/XXXX and uploaded my payment history during covid forbearance made to XXXX prior to moving automatically to Aidvantage in XX/XX/XXXX.
|
| 06/06/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I found out about Covid forbearance refund in XXXX. I had reached out to XXXX ( they couldn't find any information on my acct as of XX/XX/XXXX. 1 it was moved automatically to Aidvantage. I reached out to them on XX/XX/XXXX, XXXX this was prior to consolidating for PSLF ( this was done on XXXX XXXX, XXXX ). They said it would be processed and to reach back out in 4-6 weeks if I had not heard anything. I reached out to them again on XXXX XX/XX/XXXX and was told it didn't get processed, I explained that now the loan have been moved to XXXX XXXX the rep said it could still be processed thru Aidvantage since I started the refund request prior to applying for consolidation, I was also told to reach back out in 4-6 weeks if I had not heard anything. I reached out to Aidvantage again on XX/XX/XXXX as I had never received refund or any correspondence, I talked to a more informative rep then and was told the request was never processed, I did ask to speak to superior but she said she discussed with superior and refund would be " expedited. '' I was then told to call back on XXXX weeks. On XX/XX/XXXX, I reached out to Aidvantage and was told they couldn't do the refund as my loans weren't with them any longer and was told to reach out to XXXX. I reached out to XXXX and was told they can not process refund as they had no history of my payments- just the new consolidated loan in from XX/XX/XXXX. I have exhausted my time attempting to get granted covid forbearance refund without any explanation. I even sent an email to XXXX on XX/XX/XXXX and uploaded my payment history during covid forbearance made to XXXX prior to moving automatically to Aidvantage in XX/XX/XXXX.
|
| 01/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Re : XXXXerification of alleged debt pursuant to Section 609 ( a } ( 1 ) ( A ).
This letter is being sent to you in response to a correspondence sent to me on XX/XX/2022 This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the XXXX XXXX XXXX XXXX XXXX requires that. the consumer disputes the debt or requests identification of the orig inal creditor in writing and that the collector must cease collection until he verifies the debt and mail a response.
According to the Fair Credit Reporting Act. Section 609 { a ) ( 1 ) ( A }. you are required by federal law to verify, through the physical verification of the original signed consumer contract. any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I request the following : Verify the debt ( what is the money that is owed for How did you come up with said amount exactly All contracts that confirm that such an agreement is legal and bonding A certified copy of any judgment made Proof that the statute of limitations does not apply to this account The name and address of the original creditor Confirmation that you have the right to collect debts in my state Your license number and the name and address ot your Registered Agent Your failure to positively verify these accounts has hurt my abiity to obtain credtt. Under the FCRA. unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. you must remove the account listed below.
I demand that the following account be verified or removed immediately :
|
| 07/19/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
Servicemember |
|
My student loans are financed through XXXX. Or, it was XXXX when I was in school. XXXX is now Aidvantage. I am unable to contact XXXX, and was advised by them that further inquiries should go to Aidvantage.
I am on an income driven repayment plan. My payments were {$68.00} per month ( this may be rounded up from $ XXXX ) before the pandemic. During the summer of XXXX, I received emails and banners inside my XXXX account informing me I need to re-certify my income. I have an email from them from XX/XX/XXXX indicating I had submitted my information. I did so because I am an efficient and diligent person who likes to keep an empty to-do list.
I also have an email from XX/XX/XXXX which shows I paid XXXX {$38.00}. If I remember correctly, this was an elective payment. I was trying to get some of my accounts down to an even {$100.00} increment during the forbearance period. It can probably be disregarded, but I am being as thorough as possible here.
On XX/XX/XXXX I received an email saying that my IDR was renewed until XX/XX/XXXX, and the amount would be {$67.00} monthly ( which is the actual amount for $ XXXX I mentioned earlier ). On XX/XX/XXXX I received an email saying that my IDR was renewed for the period of XX/XX/XXXX until XX/XX/XXXX, at a monthly amount of {$230.00}.
It is my understanding that the pre-pandemic-pause IDR plan amounts were to remain valid for some time post-pandemic-pause.
On XX/XX/XXXX I contacted Aidvantage, who told me that they were going to get the paperwork together to fix this for me. I was on the phone awhile and she eventually came back and just told me no, they can't and they won't do anything for me.
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX, Aidvantage reported to XXXX that there were missed payments on 2 of my student loan accounts starting in XX/XX/XXXX until XX/XX/XXXX. These accounts were then marked as consolidated/closed. As shown in the screenshots provided, these accounts were marked as current/on-time before and after these " missed payments ''. Additionally, all of my other accounts with Aidvantage remained in good standing during this same period of time.
Without action, my accounts were put into deferment due to the federal relief program that was started in XXXX of XXXX. I never made any payments, agreed to any terms to repay, or was in contact at all with Aidvantage or any other federal student loan servicer during this time. All of my accounts remain in deferment under this same program today.
On XX/XX/XXXX I spoke with XXXX and Aidvantage to notify them of this error. XXXX suggested that I open a dispute. On XX/XX/XXXX, XXXX closed the dispute and stated that the account information is correct and no change needs to be made.
When I spoke with the Aidvantage representative on XX/XX/XXXX, she agreed that this appears to be an error and advised me to wait until the XXXX dispute is closed.
On XX/XX/XXXX, I called Aidvantage to ask why they came to that resolution and the representative advised me that I must dispute this in writing with their credit department and could not offer much more assistance. I also asked for proof of payment history dating back to XXXX and she was unable to provide that information to me.
Finally, Aidvantage has reported to XXXX and XXXX that these accounts were paid on-time and do not have any missed payments.
|
| 11/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
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I reached out to Aidvantage in correspondence to a request I made for the refunding of all student loan payments that occurred since XX/XX/XXXX. I made the initial request via phone call on XX/XX/XXXX. Since then, I have phoned in several times times asking for any updates, or at the very least if it was approved. I haven't received any straightforward answers about this and only received the runaround instead. First I was told 4-6 weeks, then 6-8 weeks, then 10-14 weeks. There is no way to validate any of their processes either as there is no confirmation of anything. My account hasn't reflected any change at all since I first contacted them. This is unacceptable!
Some reps say that my request was submitted same day that I called in. A few others say it was approved on that day.
Has my request been approved? Why isn't Aidvantage reflecting an update on my account with the loan balance reinstated? I have been told a lot of conflicting information surrounding this process. With each time that I reach out, being told something entirely new or different.
I reached out by email 3 times with no satisfactory answers XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. I also reached out via phone each week since I made the initial request and the timetable keeps being pushed back further each time. What I find most insulting, is that others who have made their refund requests after I did, have already had their balances reinstated and refunds received. There is no clear structure for this. I already explained to this company that I was facing hardship and I was originally told, because of that, that my request would be expedited, but clearly it hasn't.
|
| 10/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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Knowing student loan payments were set to resume, I diligently logged on to my new student loan servicer 's website, Aidvantage, weeks before my first payment was due. Initially I had decided to set up autopay on my loans for the minimum payment, which I set up. However, I had later decided to overpay on my student loans, and went back on to the servicer website to set up my autopay accordingly. Instead of my normal minimum payment of approximately {$1500.00} per month ( the minimum on my selected plan ), I elected to pay a total of {$4000.00} per month, overpaying approximately {$2500.00} on the loan that carries the highest interest rate. I set up an autopay for each loan, ensuring I paid the minimum on each but also overpaying on that highest-interest-rate loan.
After setting this up, Aidvantage actually canceled my autopay without my authorization. After that, I went back in and set it up again to ensure it was correct. But that initial autopay calculation is not the worst of it -- after I set it up again, starting in XXXX, Aidvantage took out the {$1500.00} minimum payment, and on the next day, took out the full {$4000.00}. This caused me to pay a total of approximately {$5500.00}, rather than {$4000.00}. Aidvantage not only did not handle my autopay set up correctly, but without authorization took an additional {$1500.00} from me without authorization. The only autopay I had set up on my account was for {$4000.00} total.
The setup process for this servicer is fundamentally flawed. I will now have to submit these overpayments manually each month, as I don't trust they will take the correct amount each month as promised.
|
| 12/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I have borrowed approx. XXXX student loan over my college and after XXXX ends, I was ready to repay all of it in a lump sum payment. The payment was first made through aidvantage on XX/XX/XXXX where I carefully entered my XXXX account. The amount of payment is XXXX, which at that time is the whole amount including interest. I received a email from aidvantage right after that the payment is confirmed. However, I was surprised when I find out about a month later that my payments are still accumulating and the overall did not lower a bit. I thought it might be a mistake so I tried again. This time I entered a {$25000.00} payment on XX/XX/XXXX, believing that it should significantly lower my account total. This time I doubled checked the bank account that I entered and made sure there was no mistake. The same thing happened, i received a email confirmation but the next day when I check back the balance was still there. Account history said both payment are reversed, however, no reason was provided for the reversal. I called my bank XXXX XXXX XXXX and asked whether the amounts are ever posted and they told me no, and I called Aidvantage and found out nothing new other than what I already know. The customer service is not helpful at all and could not provide the exact reason that my payment was reversed, despite I have the right information. After I looked online, I found numerous cases of similar issue reported from all over the states. And no one have had a clear solution from aidvantage. I now highly suspect that the agency is making lump sum payments difficult, with the intention to collect more interest to benefit themselves
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| 01/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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My federal student loans were transferred from XXXX to Aidvantage in XX/XX/XXXX. Both XXXX and the U.S. Department of Education communicated clearly about the transfer.
On XX/XX/XXXX I had an email from the U.S. Department of Education confirming that the transfer of my loans to Aidvantage were complete ; I was told that within 10 days of receiving said email, I would receive a welcome letter from Aidvantage.
I never received any welcome email or any other communication from Aidvantage.
On XX/XX/XXXX I emailed Aidvantage explaining that I was concerned that I have received no emails from Aidvantage ( even after checking spam frequently ) and I want to be sure I'm receiving communication from them.
A representative from Aidvantage responded to my email on XX/XX/XXXX saying that I can log into Aidvantage to view correspondence at any time. This answer does not address the lack of welcome letter/initial communication from them.
I am proactive in my student loans my concern with this loan servicer is with no communication being sent to those of us with loans, what important dates and notices will be missed by those who aren't as proactive? This does not seem like a good first step forward with Aidvantage, and in light of other predatory lending practices by student loan providers this lack of communication does not reflect well on Aidvantage.
An internet search revealed that I am not the only one without any sort of welcome letter or any introductory correspondence from Aidvantage even as of XX/XX/XXXX.
It is concerning to me that there has been no communication or onboarding aside from what I myself have initiated.
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| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have two creditors saying I have student loans with them. One is XXXX who said they sold to XXXX XXXX Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. One company needs removed my debt is double and it had been disputed multiple times. This is what it looks like on all three credit reporting companies XXXX XXXX XXXX XXXX loans Total balance : {$86000.00} DEPT OF ED/XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3900.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/XXXX XXXX XXXX
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| 03/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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Aidvantage just took over in XXXX the XXXX Student Loan I have for my daughter 's college from the previous loan processor that was assigned by the government ( XXXX ). It's in deferment because she has not yet graduated. They've had my loan for 2 months - XXXX and XXXX. I've been making payments of {$500.00} every two weeks since they got my loan, EVEN THOUGH I AM NOT REQUIRED TO PAY ANYTHING because the loan is in deferment AND there is currently no interest being charged to it. My first payment was XXXX XXXX, next was XXXX XXXX, and again on XX/XX/XXXX. When I logged into my account on XX/XX/11, there was a past due charge of {$5.00} on my account, with no explanation. I've not received any notices from them about a past due fee. Then when I searched through the information on my account ( which was no small feat ) I found a {$1.00} per month service charge was being applied to my account. I was not informed about this fee, and furthermore, they've only had my loan for 2 months, so how are they charging me for 5 months?! They have not responded to my emails about this. In addition, my account number is nowhere to be found on this website and if I didn't have the ONE letter they have sent me since taking over my loan, I would have no idea what my loan number is. That letter also does not say that I will be charged a monthly fee now that they have taken over my loan. I do have the letter from XXXX that says " nothing about my loan will change. '' I take that to mean there should be no monthly fee attached to it. The single letter I've gotten from Aidvantage also affirms that the " terms of my loans will stay the same. ''
|
| 05/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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On XX/XX/2023 I contacted aidVantage to ask for a breakdown of ( 1 ) my current XXXX loan balance ( 2 ) my current XXXX loan balance and ( XXXX ) total of all payments paid toward my graduate loans. They told me to contact the Department of Education. On XX/XX/2023 I called the Department of Education and requested the same as above and was told that aidVantage is the ONLY organization that can supply this information and to call them back. I called back aidVantage the same day and made the same request, they said they could not look this up but would make the request. I also sent them an email to make sure they understood the request. Attached is a copy of their response which is nonsensical. They said they do not have access to this information and asked me to find my original consolidation information and look there, but that makes no sense as it is about XXXX years old, would not contain interested accrued or payments applied and since my loans have been consolidated on multiple occasions, this is not possible. The Department of Education has made it clear that aidVantage is the only organization to supple the data and I hereby demand the send the information or forgive the full balance of all loans and submit a full refund for all payments applied. The are intentionally being negligent with my information, my payments, my balances and willfully withholding key information about my account. I would like to report them to the Federal Studen Aid for intentional and wilful disregard of the wellbeing of my account and finances and wilfully withholding pertinent information they are stewards of and required to disclose.
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| 10/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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On XX/XX/XXXX I applied to consolidate my XXXX loans with the US dept of education at studentaid.gov. My XXXX loans were held by XXXX and I selected Aidvantage as the new servicer. I have called Aidvantage multiple times since XXXX and also again on XXXX, XX/XX/XXXX, and XX/XX/XXXX to ascertain the status of my consolidation. Each time I was told they are still waiting on my loan information from XXXX. I also called navient multiple times and they confirmed in writing that they provided my loan information to Aidvantage on XX/XX/XXXX, XXXX month ago. Aidvantage reps have give me inaccurate, incorrect, and most importantly, conflicting information every time i have called. I was told on XXXX they would request a review of my application and it would be processed within 10 days. It has now been almost 50 days since I applied to consolidate my loans with the dept of Ed and Aidvantage has been giving me different information regarding the status of my application every time I call. In fact, when I point out they are giving me incorrect information, they look at their records and apologize for misspeaking. I have escalated my inquiry to supervisors twice and I am still getting conflicting information and my application has still not been processed. I have been unable to speak with anyone with the ability to actually process my application. I applied before the XX/XX/XXXX deadline to qualify for loan forgiveness and if there is an injunction forthcoming at any upcoming trial which halts loan forgiveness, I will not be granted forgiveness due to Aidvantages lack of action and I will suffer damages which I intend to recoup.
|
| 04/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Hello- I have 13 Federal Loan accounts that were not consolidated. I have called Navient to inquire on removing the " Missed Payment '' status and they gave me little information and told me that there's nothing they can't do. I have begged and pleaded with them that this is a mistake because I've always pay my monthly loan payment on time. I thought I had paid my monthly amount on XX/XX/XXXX and they gave me a " Missed Payment '' status with no warning whatsoever.
If you look at my credit history for Navient, I have paid every single month after that. I need your help to remove this status. Now that Navient is no longer servicing my loans, Aidvantage has taken over and I don't want to go through the same hassle again.
I get little information to remove status from my credit history.
DEPT OF ED/AIDVANTAGE - {$17000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$10000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$10000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$10000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$9100.00} - Open Account - Missed Payment on XX/XX/XXXX - {$8900.00} - Open Account - Missed Payment on XX/XX/XXXX - {$5000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$5000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$4000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$500.00} - Open Account - Missed Payment on XX/XX/XXXX - {$2200.00} - Closed Account on XX/XX/XXXX - Missed Payment on XX/XX/XXXX - {$2200.00} - Closed Account on XX/XX/XXXX - Missed Payment on XX/XX/XXXX - {$2100.00} - Closed Account on XX/XX/XXXX - Missed Payment on XX/XX/XXXX XXXX
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| 10/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
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Hello, I am a XXXX XXXX and I XXXX XXXX XXXX in XX/XX/XXXX with 4 unsubsidized and 4 XXXX XXXX loans. The unsubsidized don't enter repayment until XX/XX/XXXX. However, the XXXX XXXX loans entered repayment on XX/XX/XXXX.
I was unable to make an account from XXXX due to website issues with Aidvantage, my loan servicer. I finally was able to log in on XX/XX/XXXX and saw that my XXXX XXXX loans had entered repayment on XX/XX/XXXX and I was receiving past due notifications for {$3100.00}. However, I had meant to apply for the XXXX program, as I am not able to afford this in XXXX. My XXXX XXXX counselor helped me. We discovered that using the Aidvantage website, I was unable to apply for XXXX using my tax information from last year, which would make my payments XXXX because of XXXX income last year. I was only able to set up SAVE using my tax info when I directly went to XXXX.
Now, I have to take care of this false balance of {$3100.00}. It was not supposed to enter repayment until XX/XX/XXXX, like my unsubsidized loans, and then should have been {$0.00} per month because of XXXX. So I needed to address this with Aidvantage or apply for a 6 month post enrollment deferment to have these charges undone, however I was not able to get into contact with Aidvantage. I was on hold for 2 hours twice without getting into contact with anyone. I tried to schedule a call back from the website, however every available slot was grayed out and so I was not able to do that. I have not heard from them, and I am concerned because I am worried about being reported as having late payments to the Credit Bureaus.
Please help!
|
| 12/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
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|
On XX/XX/23, I contacted AidVantage, my student loan servicer to understand how I can make a principal only payment on my student loan once my regular monthly payment had been made. I received a confirmation that the request for information was received but I never received a response. So on XX/XX/23, I spoke with XXXX XXXX, Employee ID XXXX who told me that any payments I make in addition to the regular monthly payment will automatically be applied to the principal balance and will not be applied towards the interest. I was very clear that I want all additional payments, above my monthly payment, to ONLY be applied to the principal balance of my student loan. I was assured several times that all additional payments would go towards the principal, not the interest. As a result of this conversation, on XX/XX/23, I submitted an additional payment for {$160.00}. XXXX and see that {$18.00} of that payment went towards interest and the remaining went towards the principal. On XX/XX/23, my automatic payment of {$320.00}, which is double my required monthly payment of {$160.00}, was posted to my account and shows that {$72.00} was applied to interest.
It is unethical financial practices to not allow people to make principal balance payments against their debts. I have a legal right to payments against my student loan principal balance and AidVantage does not apply barrows to do this and in fact, was misleading about my ability to do this. I am requesting that AidVantage apply all payments previously made and made in the future, in excess of my monthly payment, be allocated it towards my principal balance only.
|
| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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Aidvantage has furnished unverified debt to consumer reporting agencies without the consent of the consumer. The said actions of this corporation violate the XXXX XXXX Rights and Privacy Act ( XXXX ). XXXX XXXX Subtitle A Part XXXX Subpart D ( a ) whereas it states " The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in XXXX. ". The consumer has never given written consent to the educational agency authorizing them to disclose personally identifiable information. Aidvantage has no right to possess, nor to furnish any of the consumer 's personally identifiable information for the educational agency had no consent to disclose such information.
Pursuant to XXXX CFR I Subchapter D Part XXXX XXXX whereas it states " In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission XXXX, it is an unfair or deceptive act or practice within the meaning of section XXXX of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
|
| 10/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I called to request a refund of payments made through the covid payment pause on XX/XX/XXXX. I was told it would be sent through.
I called on XXXX to make sure it was approved and going through, which I was told it was approved on XXXX and I should expect something from them within a 4-6 week timeframe.
I called XX/XX/XXXX to see when my balance on the Aidvantage website would update, which I was told that my request was never actually sent to the treasury for review. So I asked what needed to be done to get my request sent, which at this point was a month past my actual, initial request and was told they would handle it.
XX/XX/XXXX I called to see if there was any update on my refund request and I was told it was barely sent on XXXX. So I have no idea why it is being dragged out this long when I was very much depending on this money for a financial emergency. They tell me there should be some movement within the next few days to my online account.
XX/XX/XXXX I call again because I wanted to make sure everything was going through because I have very little trust in this process anymore since it seems all of my attempts to get this refund have been stalled. The Rep tells me they will escalate my issue and put me in queue with the rest of the borrowers who put in their request at the same time as me, but then I get an email saying my request was sent on XX/XX/XXXX and it will take up to 8-12 weeks from then.
I have been given so many different responses and I just want to be given one, true answer with what to expect if I will ever been given this refund that was requested almost two months ago.
|
| 03/30/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I requested a complete accounting of my loans on XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX... XX/XX/XXXX and XX/XX/XXXX.
To date XXXX ( now aidvantage ) has either : 1 ) never sent me any documents I requested, or 2 ) sent me inaccurate documents, which typically result in one loan instead of them all.
Additionally, each of these calls I was provided conflicting answers as to the status and payment plan for my loan. I was told that I am either : 1 ) not on an XXXX plan, or 2 ) I'm on a XXXX plan, or 3 ) I'm on a XXXX plan but it is inactive, or 4 ) I'm on 10 years standard plan Despite over 12 hours of phone time which is documented on my end with great detail, I am still unable to obtain timely or accurate information related to my loans. Specifically, it is not clear at all to me what payment plan I am on and how the payment amount is calculated.
I am considering a lawsuit. I am also going to file with the FTC for privacy consent violations related to automated dialing, non-consentual recording of conversations, and other privacy violations.
I would appreciate someone at aidvantage to expedite my request for a complete and accurate accounting of my loans to be sent certified mail so we can all track when and where it goes ( they claim these have been sent but they were never received - I have not moved either ).
I would also appreciate it aidvantage can actually tell me what plan I was on, when I was notified of the switch ( by providing the he correspondence they sent me ) and how that payment is calculated under the terms of the plan I am ( for which I am not clear... Still ).
|
| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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1.XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} was spent unauthorized, This account wasn't approved by me. Please remove and delete this account from my report.
2. XXXX XXXX / XXXX XXXX XX/XX/XXXX {$860.00} unauthorized balance and incorrect. I Make on-Time payment there shouldn't be any open balance. Please remove and delete this negative remark.
3. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX - XXXX XX/XX/XXXX {$4600.00} This account was broken due to covid-19. my job was slow i was layed off so i couldn't keep up with my lease. I also was making on-time payments. I was never late. can you please remove and delete this negative remark.
4.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00} This account was unauthorized. This account was not authorized by me. This account is outdated this should not be on my report.
5.DEPT OF ED/ AIDVANTXXXX Closed XX/XX/XXXX This is a duplicate account showing on my credit report not only that this account is 14 years old why is this on my report this is hindering my credit report.
6. XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX {$0.00} This account was not open by me. I didn't authorize this account to be open. This is not my account or have rights to this false account.
7. XXXX XXXX XX/XX/XXXX Unauthorized inquiry i didn't apply for anything. Misused.
8.DEPT OF ED/ AIDVANT - XXXX XX/XX/XXXX {$17000.00} As you can see i have outstanding on time payment history my joy was laid off and i also was going through a disaster at the time. can you please remove the missed payment remark. I am more responsible to make on time payments and this is very important to me.
|
| 11/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : Dept of Education/ AID Advantage XXXX XXXX / amount {$1700.00}, Dept of Education/ AID Advantage XXXX XXXX amount {$3500.00}, Dept of Education/ AID Advantage XXXX XXXX XXXX {$4300.00}, Dept of Education/ AID Advantage XXXX XXXX amount XXXX {$2800.00}, Dept of Education/ AID Advantage # XXXX /amount {$230.00} , Dept of Education/ AID Advantage # XXXX /amount {$3000.00} Account name XXXX XXXX # XXXX /amount $ XXXX PAID OFF XXXX XXXX XXXX XXXX XXXX XXXX /amount {$720.00} =PAID OFF XXXX, XXXX, and XXXX have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have noticed DEPT OF ED/XXXX acct # XXXX reporting a debt that I never contracted or agreed to pay. They have reported negative and XXXX information beginning XX/XX/2012 on my credit report. They have never given sufficient information to me in order validate this debt. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
|
| 12/04/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On XX/XX/18 I called XXXX to have my student loans reinstated ( they were paid off during the interest rate pause ). They told they transferred my account to AidVantage.
I call AidVantage on XX/XX/18 and they tell me they don't have my account information.
I call XXXX again and ask for the date of when my account was transferred. They told me they transferred it on XX/XX/18 ( suspicious, but fine ). XXXX is somewhat helpful and at least sends me a letter with all my loan information ( of the loans paid off during the interest rate pause ) so AidVantage knows exactly what to reinstate.
I call AidVantage again and ask when my account will be transferred and they tell me it'll take XXXX weeks... This is absolutely a ridiculous amount of time for someone to be able to simply create an account. I have my letter from XXXX on exactly what needs to be reinstated, but I can't send this to AidVantage without an account. The fact that I can't create an account today with AidVantage is extremely poor business practice and borderline criminal. They are essentially withholding my money.
I have already received my forgiveness email from the US Government ( of course it's on pause right now ), but I need AidVantage to open an account for me & reinstate my loans ASAP. They're making it extremely difficult and every time I call they give me conflicting information. One guy even told me I don't have to have my loans reinstated and that the US government will reimburse me directly ... AidVantage needs to be held accountable and fined for this behavior on a daily basis until they improve this experience.
|
| 06/23/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
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Web |
|
|
Reached out to aidvantage who has my loan from XXXX. Today when I called about my existing loan and what is the existing monthly payment going to be once the XXXX pause is over. Was told it would be {$750.00} a month. how is that possible? At the start of the pandemic in XXXX, I was paying {$390.00} a month. I was in a XXXX forbearance periods since XXXX when I started my degree from XXXX. finished degree in XXXX. It was only until XXXX where I could consistently make payments. How can my payments now jump to {$750.00} in XXXX? I do not believe the algorithms the Department of Education Student Loan for the government is correctly calculating payment amounts and factoring in inflation and income. And the person speaking to me has a clue to explain what their application is doing to come up with an exorbitant amount of money to have to pay each month. It feels like XXXX all over again. From the XXXX settlement, my loan qualified for possibly a {$260.00} restitution payment. Never received the payment to date. If my loan had issues at XXXX, why isn't the department of education looking at my loan for correction or cancellation? XXXX already deemed my loan was treated wrong in their settlement. Why am I looking at paying even more money that I can not afford through the Department of Education? I will never get out of this loan or repay it if the monthly loan amount continues to increase and without explanation. If Department of Education is not cleaning up their systems to help borrowers, why do they exist? I want my loan looked at and someone to effectively explain the payment process.
|
| 09/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I currently have two loan servicers, XXXX ( transferred from XXXX ) and Aidvantage.
I consolidated my loans when I applied for PSLF in XXXX. A small portion of my loans were transferred from XXXX ( now Aidvantage ) to XXXX and the rest stayed with XXXX.
When I asked about this at the time, first I was told by XXXX that it would take time for the loans to transfer and then I was told that the servicer didnt matter and all of my loans would be counted under PSLF .
On XX/XX/XXXX, I was on the phone with Aidvantage ( 2x ), XXXX ( 2x ) and the Department of Education and been wildly different things about loans transferring to XXXX.
XXXX said that the loans should be transferred to them, but because my paperwork from XXXX isnt transferred completely yet, they couldnt really tell me anything else. The second time I called, I was told that once they got all of my loan information from XXXX, they would be able to request a loan transfer from AidVantage.
Aidvantage first said that the Department of Education had to tell them to transfer my loans to XXXX. The department of education said that this was not true and urged me to file a complaint.
I called Aidvantage again, and a different person told me that XXXX had to request that my loans at Aidvantage be transferred to them. She said I should wait until my paperwork from XXXX be fully transferred ( should happen by XX/XX/XXXX ) and then request that my Aidvantage loans be transferred to XXXX.
Im afraid that this will impact my PSLF and I dont know why I being told different things from different people every time I call.
|
| 10/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I initially applied for XXXX in early XXXX and received notification from Aidvantage that it was approved for {$0.00} payments on XX/XX/XXXX ( see attached approval ). Later, on XX/XX/XXXX, I received notification that my deferment/forbearance would be ending that I did not sign up for.
I called last week and requested clarity about whether my account is in XXXX or in administrative forbearance. I was told over the phone that my account is in XXXX for {$0.00} payments, but my payment page states that I am in administrative forbearance that ends in 32 days ( see attached loan printout ). The loan officer denied that my account says this and stated that I am enrolled in XXXX.
Also, when asking about how XXXX plan interest works, I was told that interest is only eliminated on Subsidized loans, not Unsubsidized, so that is why my interest is not being forgiven. However, the federal website states, " The XXXX XXXX eliminates 100 % of remaining monthly interest for both subsidized and unsubsidized loans after you make a scheduled payment. '' https : //studentaid.gov/announcements-events/save-plan Therefore, I was given incorrect information. Then, they started discussing XXXX, which I did not ask about nor do I qualify for. Loan servicers are not trained appropriately to guide us on repayment or even account status. They blatantly give incorrect and unhelpful information.
I would like my loan servicer to address this issue and return my account immediately to the XXXX plan, as my account is now growing interest that will then not be " eliminated '' with 0 dollar payments.
|
| 11/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Aidvantage is taking advantage of customers trying to pay back student loans. They are calculating the income-based repayment options incorrectly and forcing customers to pay twice as much. Typically my loan payment was around {$260.00} to {$280.00}. Even though I have filled out and continually renewed the IDR they initially made me pay {$630.00} for the first payment. I went on the Federal Student Loan service to renew again, even though I didn't need to, and it calculated my payment to be around {$330.00} to {$170.00} per month. However, after Aidvantage got the new renewal paperwork they sent me a pdf saying I would need to make 8 payments at {$570.00}, followed by a list of several other random numbers of payments at variable amounts after that. Obviously, that is not calculated off of the 10 % IBR as the Federal Student Loan site. I called them and was on hold for an hour before I finally got through. The customer service representative said they couldn't do anything something must be wrong with their algorithms for calculating the payments. They also said that lots of people were having this problem and they would have 'a person look into it. ' Now their chat customer service isn't working either saying the current volume is too heavy. Additionally, they will not list how much my payments should be they only do so moments before actual payment so that if they are wrong like they are, you do not have any time to do anything about it as they say it takes three weeks to 45 days to process any new paperwork. This is ridiculous they should not be handling money.
|
| 05/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The presence of student loans on my credit report violates the Family Educational Act of 1974 and the Privacy Act of 1974. As per the aforementioned acts, educational institutions are obligated to safeguard student information and provide an opportunity to opt out before reporting such information to credit agencies. The school assured me they would not disclose my personal information, including financial details, to third-party credit agencies. This assurance was in accordance with the Family Educational Act of 1974, which establishes the privacy rights of students and protects their educational records. Furthermore, the Privacy Act of 1974 enforces limitations on the disclosure of personal information by federal agencies. Under this act, educational institutions are required to provide students with the opportunity to opt out of releasing their information to credit reporting agencies, allowing them to maintain control over their personal data. I am confident that my school was bound by these provisions. However, I recently discovered that student loans associated with my enrollment have been reported to credit agencies. This disclosure of my personal information without my consent is a direct violation of the Family Educational Act of 1974 and the Privacy Act of 1974. Additionally, I would like to bring to your attention that my school failed to provide me with a way to exercise my right to opt out at least 30 days before the reporting took place. This omission further strengthens my claim that my rights under the aforementioned acts have been infringed upon.
|
| 10/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
On XX/XX/XXXX I spoke with XXXX at the US Department of Education because I tried to get approved to buy a house and the mortgage company said I had student loans. XXXX said that I have a student loan in default from when I attending a trade school in the XXXX XXXX I attended XXXX XXXX XXXX XXXX to try and get my XXXX degree in XXXX. The school was investigated and found to be a non creditable school and was shut down. I was unable to complete my degree for this reason.
When I applied for a mortgage loan, the student loan popped up on my credit report which I was unaware that it was still on my credit report. My understandings were that since the college was found un-creditable, my student loans would be taken care of since I could not complete my degree. To my surprise, XXXX told me that my loan was held with XXXX XXXX from XXXX to XXXX. On XX/XX/XXXX, the US Department of Education took over this loan because the XXXX XXXX went out of business.
I have not been notified through mail or via phone of this loan with either federal loan companies. I was unaware I even still had a student loan debt, until I applied for a house. XXXX directed me to complete a complaint form to try and dispute this loan to be removed from default so I can purchase a home.
I need to be directed on how I can get this loan removed from my credit report and how I can get this loan forgiven. I was under the impression that when the college was declared, un-creditable for a degree, that my student loans that I took out to receive a creditable degree, would be forgiven or bought back.
|
| 10/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
On XX/XX/23 at XXXX, I was connected with XXXX XXXX XXXX Aidvantage ( employee number XXXX ). I am signed up for the XXXX repayment plan and have several loans which are well over 20 years since origination. Per documentation found at studentaid.gov, under the XXXX plan, loans at least XXXX XXXX XXXX are supposed to be eligible for forgiveness. I asked XXXX which loans would be eligible and when I can expect them to be forgiven. XXXX did not know the answer to that question and I sat on the phone while she visited studentaid.gov to try and find the answer. XXXX was not able to either answer my question or connect me with someone at Aidvantage who could provide this info. On XX/XX/23, I filed a request with studentaid.gov to see if they could provide info. Despite them sending me an email stating they would respond within 15 days ( attached to this complaint ), I have not been contacted by them. I am supposed to enter repayment this month, but can not without being provided with the information I am requesting. Furthermore, when waiting to talk to XXXX at Aidvantage, the pre-recorded message says that I will receive my first bill at least 30 days before the first payment is due. XXXX said it would be provided at least 21 days before my first payment is due. Not only was she NOT able to rectify which time period was correct, but it is XX/XX/23, and I still have not received my bill, so I am unsure as to when my first payment is due. I verified with XXXX that I am supposed to receive all correspondence including bills via mail, but have not received anything.
|
| 12/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
XX/XX/XXXX - Email sent to Aidvantage asking why my student loan payment amount on the SAVE plan was XXXX XXXX higher than the estimate range that the federal student aid website simulator calculated, because the i formation I submitted through Aidvantage on my application was the same information I used on the simulator. This email still has gone XXXX responded to.
XX/XX/XXXX - Tried calling Aidvantage without success. On hold for XXXX minutes.
XXXX Opened a complaint case with the XXXX XXXX XXXX Department of Education . No response as of yet.
XX/XX/XXXX - Tried calling Aidvantage without success. I was on hold for XXXX minutes, only to be hung up on.
XX/XX/XXXX - Sent a certified letter to Aidvantage asking them to : - Provide me a record of my submitted SAVE application with the date I submitted to Aidvantage, and the date it was then submitted to the Department of Education on my behalf.
- A full breakdown of how my payments were calculated using the information I gave in my application referenced above.
- An explanation as to why my payments are XXXX XXXX - XXXX XXXX higher than the payment estimate bands given to me on the federal student loan payment simulator.
- A request to place my account in an administrative forbearance until all of these items can be received and this is resolved, due to the fact that I've attempted to contact them multiple times about this issue without success.
XX/XX/XXXX - Certified letter arrived to Aidvantage via mail tracking.
No one has responded or reached back out to any of my attempts to contact
|
| 11/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Hello- I am reaching out as I had a major problem with my student loan service company, Aidvantage On XX/XX/XXXX, I logged into my account due to a notification in my inbox that I needed to read a document. I read the mentioned message then clicked to view my actual account. Upon review of my account, I shocked to see that my current balance for my student balance had doubled in size although I never requested more funds.
I recently took advantage of the student relief programs that have been offered to the public to receive a refund on any payments made during the forebearance as well as the application for cancellation of up to {$10000.00} of eligible student loan holders. Due to ongoing payments that I made during my Graduate studies my balance consisted of one direct loan totaling {$9100.00}, which thanks to the program would be wiped out once approved. However, when I saw my balance today it consisted of two direct loans one of XXXX & another of XXXX that now totals {$18000.00}. Additionally my total payment history has totally wiped clean.
I believe that Aidvantage who my debt was transferred to from XXXX originally, simply placed the {$9400.00} that I was supposed to receive as a refund onto my account. I feel like this wildly irresponsible of a financial institution due to the potential ramification that it could hold on my credit. I am incredibly frustrated with this situation and hope that this will assist in resolving the problem. I have also sent over an email to Aidvantage through their email portal as well explaining the information.
|
| 03/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On XX/XX/2022, at around XXXXXXXX XXXX XXXX, I received a cold call from, what I would learn later, was 'Aidvantage XXXX, the company servicing federal student loans.
My phone 's caller ID identified the call as being 'XXXX ' ( the company formerly servicing federal student loan repayment ).
When I answered, I was transferred to a caller who attempted to tell me about the deadline on federal student loan payment deferment and options for income-based repayment when the deferment deadline lifted. This was all fine.
However, the caller attempted to ask me to verify information including my address, email address, and phone number. First, several of those items were out of date ( I had long since changed them in the federal student loan repayment portal ). Second, I am unsure why they would solicit that information over the phone rather than directing me to the federal government 's repayment portal.
The substance of my complain though is about misrepresentation. The person on the call, falsely or truthfully, believed himself to represent the Department of Education. He had no explanation for why the Caller ID labeled the call as being from XXXX. Nor did it seem odd to him that he ALSO stated that he worked for AidVantage, which is a private company working with the DOE.
I think AidVantage is training their employees to misrepresent themselves and irresponsibly draw them into loan servicing schemes that they may not need or want under the guise of representing the DOE.
Note : I will also be submitting this complaint to the XXXX XXXX XXXX XXXX
|
| 07/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have contacted Aidvantage on several occasions about my student loans that are over XXXX XXXX XXXX, by phone and email. I've researched about loans being forgiven after XXXX and XXXX years and wanted to know more information because my loans should qualify. At first nobody knew what I was talking about, trying to send me information or applications about other programs, saying my job doesn't qualify and so on. I told them it was about age of the loan and IDR. I submitted a complaint to the Department of Education after several phone calls and no answers. XXXX service representative even said wait in line, there are people with older loans, another said I have XXXX years only of payments. My first loans were disbursed in XXXX. Then same with emails after the complaint and someone named XXXX wrote back and forth with me saying she can't grant me that. Sorry you are angry, she said, but loans like mine need a special program to count the payments and that won't be available until the end of XXXX. So no information, answers or dismissal of my old student loans. She finally mentioned my consolidation loan in XXXX, which contains the old loans so she knows exactly what I was talking about the whole time. There is no special program, my loan just needs to be forgiven, in my research they said consolidation was included. So they want to deny forgiveness to make more money apparently and confuse people trying to clear these loans. I want real answers and my loan dismissed as soon as possible because it qualifies. I am not the only borrower with this issue.
|
| 10/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Filing a complaint here as I don't know who to contact to get an answer. My loans were serviced by XXXX. I requested a refund on XX/XX/XXXX of my last payment made of {$21000.00}, made on XX/XX/XXXX during the payment pause. There was no activity from XXXX in months on the refund request. I finally get a hold of XXXX through phone and from complaint, and they tell me that my loans were transferred to Aidvantage and they don't have any additional information.
So after receiving that information from XXXX, I contact Aidvantage and Aidvantage tells me that they don't even have a record of me on file. So essentially, my account information is lost or in limbo. Meanwhile, the deadline to request a refund on student loan payments is XX/XX/XXXX. I requested this refund back in XXXX! Now neither Aidvantage nor XXXX has my account and I can't login or view any information for either.
Furthermore, I HAVE NOT received any communication, letters, information, emails, texts, phone calls, mail or anything from Aidvantage nor from XXXX to even let me know that they are my new servicer or that they have stopped being my servicer. Everything is being done behind closed door without my knowledge. Imagine if my bank transferred my information and accounts to another bank without my knowledge or communication. And then I also could not login to either institution and neither have information about my account. There would be some sort of liability there. But apparently these student loan servicers are not held to the same standards, duty, or regulation.
|
| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
When student loan repayments were going to start resuming I got in touch with my new servicer, AidVantage. I set up my account and set up autopay. I was receiving regular communication from AidVantage about my account and payments restarting so I didn't have any worries. I logged in and set up autopayment for my loan and didn't worry about it.
I started to get emails from AidVantage saying that my payment was past due. I logged in to the system and made a manual payment and checked to make sure that autopay was on. It was. I continued to get emails saying that my payment was past due and I would log in, make a payment and check autopay.
When I look at my payment history it shows that every single payment that I have made has been reversed. I deleted autopay and re-set it up to make sure that my banking information was correct. I have set up autopay from two different checking accounts. I have also made manual payments from these accounts.
Each time that I have made payments I get a confirmation email saying that AidVantage has received my payment. I have saved these emails. And then a couple of days later I get an email saying that I have a past-due payment. I have made payments on the following dates : XX/XX/, XX/XX/, XXXX, XX/XX/. All of them have been reversed.
I am just trying to make my payments! I emailed AidVantage 's customer service email and have not received an email back. I have also tried calling and wait forever without anyone answering. They don't call back when I leave my call back number in their wait line.
|
| 03/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I want to submit a complaint to you about the inaccurate customer service I have been receiving from AidvantageXXXX. The first complaint is I was told the Department of Education thru email dated XX/XX/XXXX that my student loans would be transfer to Aidvantage effect XX/XX/XXXX and I should receive a welcome letter. I never received a welcome letter and when I tried to contact them the representative could not locate my loans and advised to check back. On XX/XX/XXXX I checked Aidvantage website and had to request new password to login after I was advised that my username and password would remain the same. Second I have tried multiple times to use Aidvantage IVR system and each time it says it does not recognize my social security number or loan number. My third complaint is the customer service representatives are unable to provide me with my student loan information and if the loan types I have are eligible for the public service forgiveness plan. I was needing to find out how many payments have been made toward the XXXX required payment. In addition if my loans are in the correct payment plan and loan status to qualify for the public service loan forgiveness plan as I am a XXXX employee in XXXX XXXX. I was told I would have to call XXXX XXXX XXXX to get that information. When I contact XXXX XXXX XXXX they advised that they could not access my loans to verify if they are in the correct loan status or confirm how many qualified payments I have made. I feel like I continue to receive the same run around with each representative.
|
| 11/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/2023, I made a {$40000.00} payment to Aidvantage for my student loans. I received a payment confirmation email from Aidvantage shortly after which states " This email serves as confirmation of your payment ''. I noticed after several business days later that the money had not left my bank account. Out of concern, I checked the Aidvantage online platform inbox ( I did not receive e-mail notice from Aidvantage of this ) and noticed an a message of a " Payment Reversal '' from XX/XX/2023 saying my payment was rejected because my bank account was not found/located. I called Aidvantage support and was told my bank account was not found likely due to me putting in the wrong account/routing number when making the payment. I then asked if they could provide me with account and routing number which was used to verify this and they would not provide me with this information. I can see that the Aidvantage platform online has the information of my bank account provided by XXXX when I select an account to pay from, so I did not input the wrong account information when making the payment. By this point, the payment I intended to make has been deemed as a missed payment/deliquency and I have accrued all of the interest from the loans which were supposed to be fully payed off.
I have also found several other complaints online of Aidvantage reversing payments multiple times claiming that account numbers where wrong when users claimed to have double checked all of the banking information causing them to accrue unwarranted interest.
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My student loan balance was {$180000.00}. In XX/XX/XXXX, I received 2 letters stating that my loans were to be discharged. Aidvantage now has my student loans # 1 I did not agree with them that they could have my student loans they were just transferred to them from XXXX XXXX XXXX where I had consolidated them from XXXX in XXXX of XXXX. In XXXX {$78000.00} of my student loans went from Aidvantage to XXXX but my balance with Aidvantage never went down. I called XXXX and Aidvantage numerous times because instead of my balance going down they added the XXXX to my loans with the credit bureaus where my student loan debt went from {$180000.00} to {$260000.00}. When speaking to Aidvantage I was told not to worry about it and that it would be deleted when XXXX discharged it from their end. There are no records in either XXXX or Aidvantage as to what they are doing with any of my accounts. Aidvantage has not subtracted the amount that XXXX has discharged and they have taken more from Aidvantage. I was refused a mortgage for a home loan due to their failure to discharge my loans and adding debt when it was to be subtracted. They have lied to me numerous times when I have called and disregarded the fact they have ruined my credit with their fraudulent behavior. They have killed my credit score and I am prepared to move forward with a lawsuit if this issue is not resolved within 7 days ( XX/XX/XXXX ) of the filing of this complaint. My student loan debt should be under {$100000.00} and I do have all of my paperwork to prove it.
|
| 10/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have attempted to contact Aidvantage on nine separate occasions to get information regarding my loan and why my monthly payments were adjusted. I sent two emails that I never received a response from, spent 3+ hours on the phone over the course of two calls where I was hung up on the first one, and then the second call I was promised an investigation and response within three business days along with a terms sheet for their offer of lowering my monthly payment. I was not contacted again, and called a week after three times and each of those calls were disconnected by Aidvantage before I could even speak to someone. I got a response to my first complaint claiming I was informed my monthly payments were adjusted, but they have provided no evidence of that nor have they provided the requested terms sheet for the offered lower monthly payments. When I attempted to contact Aidvantage to speak to them about their response, using both phone numbers they provided in their complaint, it said their offices were closed despite the fact their own website says they are open until XXXX today and it is only XXXX. I am requesting to be provided evidence I was informed my monthly payments were changed, as well as the terms sheet on what exactly I would be agreeing to with the offered lower monthly payment. Until received I will not be making payments, and since Aidvantage is unable to properly service my loans if they negatively report to the credit bureaus I will be pursuing legal action for violation of the FCRA and FDCPA.
|
| 11/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I attended cXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX During that time I had XXXX and XXXX loans. Im consolidated them with XXXX XXXX sometime between XXXX. They were bought out by XXXX. From XXXX, I worked for several non profits. Unfortunately I didnt understand the PSLF process until it started getting a lot of press during XXXX XXXX XXXX. In XX/XX/2022 I applied and was approved after the required consolidation into an XXXX plan manage by XXXX. The rest of my loan, around {$3600.00} was forgiven. I made years of payments to XXXX over the required XXXX PSLF. And I made some payments during the pandemic which I wasnt required to. XXXX told me I would get a reimbursement check from the federal government but I havent. XXXX says they have no responsibility. XXXX says XXXX not eligible for reimbursement because i consolidated too late in the process of making XXXX payments. But part of the XXXX waiver program that ended in XX/XX/2022, was that you wouldnt be penalized for consolidating late, you would be eligible for XXXX even though you didnt have the right type of loan when you made your XXXX payments, youd have your balance forgiven if it was under a certain threshold, and youd get reimbursed your overpayments! So Im writing to you to request assistance in obtaining my reimbursement which is approximately XXXX years worth of payments. Thank you in advance for your assistance. I need to know what agency is supposed to reimburse me and assistance in advocating that I receive it. Sincerely, XXXX XXXX XXXX
|
| 11/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My student loans were previously serviced by XXXX. I wanted to take advantage of the limited waiver opportunity and thus I applied for loan consolidation in XX/XX/2022. In XX/XX/2022, my loans were transferred to XXXX. During the transfer, XXXX of the loans inadvertently fell of the consolidation ( to this date it is unclear what happened ). On XX/XX/2022, I spent a lengthy amount of time on the phone speaking with XXXX, XXXX and Aidvantage. I was advised during those calls that XXXX 's consolidation is completed by Aidvantage therefore they were going to be the ones to assist with my issue. Aidvantage advised me to fill out a loan consolidation addition form since my consolidation was within the XXXX XXXX window which allowed for addition of loans to the initial consolidation. This was done and mailed to them ( Aidvantage ) as advised on XX/XX/2022. Since XXXX, I have tried to follow up on this consolidation without success. Every time I call Aidvantage, I have to re-explain my issues, have my calls escalated to supervisors then I am promised that the issue will be taken care of. I qualify for loan forgiveness at present. However, if my loans are not consolidated prior to my forgiveness date, I will only have this XXXX particular unconsolidated loan forgiven since it is my oldest loan. I have done everything I have been asked to do by Aidvantage and I feel like they are not following through with any of their promises. It should not take XXXX XXXX to add a loan to a previously approved consolidation.
|
| 04/12/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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In mid XX/XX/2021 I received a letter in the mail from Aidvantage saying I had a great opportunity through some government program that I have the possibility of having my student loans forgiven or reduced. I called the number and started the whole process. I sent in documents, paid them {$800.00} to consolidate my XXXX or XXXX loans into XXXX loans. They said this would greatly reduce my monthly payments. I gave them permission to auto draft my monthly payments once the pause on student loans were lifted. They began pulling {$40.00} a month ( that was agreed apon based on my income ) in XXXX. I thought this was odd since the pause on student loan payments had been extended. I decided to keep going with the payments thinking that I may as well get a head start on these payments since there will be no interest until the payments are unpaused. Around XXXX was when I started getting phone calls from another document prep agency that also works with Aidvantage saying that I still had stuff incomplete. I call them and they start going through the whole process again. I tell them that I already paid {$800.00} to consolidate my loans and that {$40.00} a month has been taken from my bank account for my student loans. They tell me they have no evidence of this occurring. They told me to call who I dealt with before, but I either keep getting a busy dial tone or a disconnected line, or I have to leave a voicemail. I have been trying to get in contact with the people who can help me figure this out to no avail.
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| 08/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
Servicemember |
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My student loan servicing company, Aidvantage, has had several issues over the last month. Listed below are my concerns.
1 ) Current bill for {$77.00}. The first support staff I spoke with on XX/XX/2023 could not explain this charge and said it would be handled within XXXX business days but it was not. The second support staff I spoke with today said that it the charge is the difference between what I have been paying monthly while my loans are in deferment, {$520.00}, and what my payment will be once deferment ends, {$590.00}. The staff said this would be removed in XXXXbusiness days. While the delta makes sense, there is no reason to have a XXXX because the is/has been no payment due since my loans have been in deferment. Now if I want to make the {$520.00} payment on my loan while they are in deferment, the {$77.00} bill is going to get paid first as if it was something I missed, which can not be true.
2 ) There were loans showing up in my account, with a {$0.00} balance, from a university, XXXX XXXX, which I did not attend. These were loans XXXX and XXXX. While these were corrected, I have no idea how the showed up in my account and am concerned about my social security number possibly being accessed by someone else.
I am very much hoping that Aidvantage follows through with removing this {$77.00} bill that I am seeing but my situation has created a lack of trust in the student loan servicing company and I feel compelled to report this in case other people are dealing with similar issues.
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| 12/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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Filed a complaint with Aidvantage last month and with XXXX before then. Still have not received any information regarding my account or loan refund request. I requested a refund of a student loan payment from XXXX back in XXXX of this year. I requested a refund of my last payment that was made on XX/XX/2020, for the amount of {$21000.00}. I didn't hear anything back. I called back 2 months later and found out that my account had been transferred to Aidvantage.
So I called Aidvantage and they did not have my account info. They said that it would be available " mid XXXX ''. XXXX XXXX has since passed and I still can not create an account with Aidvantage or get any information about my payment refund request, or my account at all. They lied several times and switched up the story each time I called and gave me conflicting information about dates.
In general I received no notification at all from Aidvantage letting me know that they are taking over my account, and when calling them they have no info. Not a letter, not an email ( I checked spam folders, etc ), not a text message... nothing. I also have not received any notice or communication from XXXX that they were even transferred to Aidvantage. Calling these companies is the only way to find out info. That has to be illegal. Corporations are working behind the scenes without giving any knowledge of my account or where my information is being moved to. I filed previous complaints and made dozens of calls with both companies with no success.
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| 04/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include section 1681s3 of this title THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUEDED on my Consumer report!
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
You have 10 calendar days to update my Payment history and or delete all late payments from the below account ( s ) ( A ) subject to, any ( i ) report containing information solely as to, or ; experiences between the consumer and the person making the report transactions. A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
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| 11/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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I contacted my loan servicer on XX/XX/2022 about getting a refund for the amounts I paid since the Covid-19 emergency was declared. This refund is applicable in accordance with the Presidential executive order that allows student loan refunds for all amounts paid during the Covid-19 payment pause.
The amount to be refunded to me is {$7300.00}. I was initially told on XX/XX/XXXX, that this process would take 4-6 weeks to receive a refund in my bank account.
I contacted Aidvantage again on XX/XX/XXXX and was told the timeline has changed from 4-6 weeks, to 6-8 weeks to process the refund.
On XX/XX/XXXX, I called Aidvantage again, and they told me the timeframe would now take 8-12 weeks.
Each time I called, Aidvantage placed blame on the Department of Education, claiming that only they can " approve '' a loan refund. I finally decided to call the Department of Education and they informed me that there is no approval process that involves the Department of Education. According to them, my loan servicer ( Aidvantage ) should have given me a refund within 45 days of it being requested.
Aidvantage seems to be dishonest with their excuse as to why the refund has not happened yet, and their refund timeline has been arbitrarly moved each time I contacted them. There is no trackable progress being made, or anyone there that can help get this done. Aidvantage has records of all payments made by me during the student loan payment pause and it should be straight-forward to refund this amount.
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| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Please update and remove these accounts immediately!
My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am not affiliated with the following addresses. Please remove from my credit report immediately.
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My employer is XXXX. Please remove XXXX XXXX XXXX XXXX.
Per 15 U.S. Code 1681B, 1681C-1, and 1681C-2, the following collection accounts are violations of the Fair Credit Reporting Act. Please remove the following collection accounts. immediately.
- DPT EDXXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) o These loans are showing 90 days late and greater. However, the previous month are on-time payments. Please remove these accounts since it is inaccurate.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) o The payment history data is incorrect. It shows on-time payments on XXXX but 30 days late on XXXX and XXXX. Please remove.
- XXXX ( XXXX ) o Please remove all late payments. I have never made a late payment on this account.
- XXXX XXXX ( XXXX ) o The payment history data is incorrect. It shows on-time payments on XXXX XXXX XXXX but 30/60 days late on XXXX. Please remove.
- XXXX ( XXXX ) o It shows on-time payments on XXXX and late payments on XXXX. I have always made on-time payments on this account.
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| 11/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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Aidvantage is my student loan servicer.
When borrowers go to Aidvantage 's website to make a loan payment, before said payment can be made Aidvantage makes borrower agree that they've 'read, understand, and agree to the Electronic Payment Authorization ' ... however they do not provide a copy of this Authorization anywhere on their site.
I called Aidvantage about this on XX/XX/23 and the rep told me that it was not available on the site but that they could email it to me ... in eight business days! ( Mind you, interest accrues daily on these loans so they are dragging their time out ).
Eight business days come ( XX/XX/23 ) and I don't receive an email with the promised Authorization. So I sent a message through Aidvantage 's site requesting the copy of that Authorization. ( The auto-response to this message says I will receive a reply in two business days. ) Seven days later ( XX/XX/23 ) I receive a message from Aidvantage saying " We are aware of the issue. I apologize for any frustration. '' They have STILL not provided a copy of the Authorization that they REQUIRE all borrowers to acknowledge having read. This is highly suspect to make people agree to terms that they can't even read!
I sent another message through the website on XX/XX/23 and have still not received any reply.
Aidvantage has intentionally hidden necessary terms that will negatively affect borrowers and make them pay extra fees or more money AND they refuse to answer/reply to any calls and messaging.
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| 01/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I called Aidvantage on XX/XX/XXXX, to request a refund in the amount of {$50000.00} which was paid to them on XX/XX/XXXX. I informed the representative that my banking information had changed since I initially made the XX/XX/XXXX payment and asked her if I could give her the new account details for the direct deposit. I confirmed with her the new account details before the request was submitted. I waited XXXX weeks and after not receiving the direct deposit I called and was told that a direct deposit attempt from XXXX was returned by the bank for incorrect account details. This is the only answer I was given. I can only assume that the original representative did not input the new account details correctly. I was also told that a physical check had been processed on XX/XX/XXXX, and was being mailed. I waited until XXXX and after not receiving the check I called and was told that no further details were available and to wait until end of XXXX. I received a call today ( XX/XX/XXXX ) informing me that the payment had been returned, but was unable to tell me if it was another XXXX attempt or physical check. I dont understand why as my account details are correct and my mailing address on file has always been correct. I desperately need someone to look into this further as I am not getting anywhere with the call center. My financial situation has dramatically changed since I originally made this payment a year ago and I really do need to receive this money back as soon as possible.
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| 10/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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My federal student loans resumed in XXXX with my lender AidVantage. On XXXX I made a payment in the amount of {$380.00} for the month of XXXX with my linked XXXX XXXX XXXX checking account. I got a confirmation email with # XXXX. I then get an email on XX/XX/ saying the terms of my loan have changed and that i now still owe an extra {$4.00} for the month of XXXX. I pay this with the same linked XXXX XXXX XXXX checking account with confirmation XXXX XXXX I then see on my account that my XXXX balance will be {$380.00}. I want to know why my payment has changed already given that this is a fixed standard repayment plan, this feels like fraudulent activity to me and a quick search on the internet shows that others have been having the same issues. To make matters worse I then go to my payment history on AidVantage which is when i see that there is a payment reversal of my original {$380.00} as well as the additional payment of {$4.00}. I checked my bank account and saw that funds were never withdrawn. I then call my bank and they said that there was never an attempt from them to draw funds from my account. I want to know why AidVantage is not allowing me to make payments and why my monthly payment amount is changing. I do not want this to go against my credit. I am just an honest hard working guy trying to pay back my loans. I have been searching for this issue on the internet to find that I am not the only one AidVantage is doing this to and they need to be held accountable.
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| 02/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I have two XXXX loans with XXXX XXXX worth {$4000.00} in total. I transferred and consolidated these loans into one consolidated loan with Aidvantage on XX/XX/XXXX. I continued to receive payment notifications from XXXX while also incurring late fees and interest. When I first contacted XXXX they said that they had not been paid by Aidvantage. I contacted Aidvantage and one of their agents told me that they did not successfully process the consolidation despite giving me forms that said that they had. On XX/XX/XXXX Aidvatage told me that they would resolve the issue within 30 days. When I contacted both companies on XX/XX/XXXX I was told nothing had changed. XXXX says that they have not been paid by Aidvantage and Aidvantage tells me that they have paid XXXX. Both accounts are still active. During my most recent call to Aidvantage, I was on hold for over an hour and told that multiple supervisors were reviewing my account. I was then told my call was being transferred to one. Five minutes later I was told their was an error transferring the call and that no supervisor was available to help. I was also told that one would call me back and that never happened either. I have contacted Federal Student Aid and told that FSA can not help and I have contacted the Ombudsman and they also told me that they can not help me. Both accounts are active and their is no resolution being offered or pursued by either company. They both tell me tat I owe them money for the same loans.
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| 01/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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During the student loan payment pause period, I made voluntary payments of a total of {$27000.00} to my student loan account. According to Biden-Harris student loan relief plan ( https : //studentaid.gov/manage-loans/forgiveness-cancellation/debt-relief-info # refunds ), I'm eligible for a refund. In early XX/XX/XXXX, I called my loan service provider at the time XXXX to request a refund. Yet, XXXX transferred my loan to Aidvantage. Thus, I called Aidvantage to confirm my loan status, in which they told me that they would have loan information by the end of XX/XX/XXXX. I called back in the first week of XX/XX/XXXX, and Aidvantage do not have my loan information and told me that to check it back " next week ''. I called Aidvantage back on XX/XX/XXXX and they still do not have my loan information. As of right now, I have no access to my loan information or login information on their site. I'm concerned that I will not get my refunds.
Timeline Summary : XX/XX/XXXX - I've tried to create an account to access Aidvantage website ; I'm not able to login. I called to confirm the status of my loan ; Aidvantage told me they would have my loan information by the end of XXXX.
XX/XX/XXXX - I called Aidvantage again and they told me they would have my loan information by the second week of XX/XX/XXXX. I'm still unable to create an account or access their site XXXX XXXX I called Aidvantage and they still do not have my loan information or login access to their sites.
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| 12/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I enrolled in auto payments with my credit card in XX/XX/2023 and was approved on the app for the lender. In XX/XX/2023, the student loan company requested that I use a checking or saving account so I chose a savings account. I attempted several payments in XXXX and received an email from the student loan company stating that they received a payment. 4 days later I received an email stating that my payment was missing. As soon as student loans began in XX/XX/2023 Aidvantage removed their app for smartphones and I was informed that I would need to sign-in online going forward.
I proceeded to contact the student loan company and was told to inform my bank to allow the third party company access. I contacted my bank and was told that there was no reversal of a payment as they never received a request from my student loan company. I confirmed my account number and bank routing number with my bank. I contacted my student loan company in XX/XX/2023 and experienced the same issues. The student loan company stated that the payment were reversed by the bank and asked if I could make another payment. I attempted to make a payment with my checking account and the payment processed while on the phone with the representative. I noticed 2 days later that there was no attempted withdrawal pending in my checking or saving account, but it was reflected on Aidvantage website. Yikes, it shouldn't be this difficult to pay off a federal loan. What is Aidvantage doing?
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| 11/03/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Servicemember |
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The amounts of the Federal Department of Education loans are incorrect. The collection agency that claims this account was refreshed in XXXX and again in XXXX is fraud. I have not contacted the agency or made any payment or communication to these agencies about this loan at either date in either year. They also used credit references I never used nor would I ask to use. I didn't know these people before XXXX. I haven't spoken with either one of these so called references in over XXXX. XXXX XXXX used as a credit reference is also listed in XXXX XXXX California and his address was in XXXX XXXX. It also used an address in reference to me I have never lived at in XXXX California. This information to refresh this loan was obtained by an employer who illegally fired me because I asked this employers for my XXXX, had I received that XXXX I would have found out they had never reported me to the state of California over that year. This delinquency has caused me a lot of financial hardship by sandbagging my credit scores. I have perfect payment record for more than 7 years now and this harming my credit rating severely. This fraudulent information needs to be removed from my credit history immediately. The information used by the collection agency from my fraudulent prior employer was illegally obtained from this employer is illegal in itself. The collection agency then used this false information to fresh this loan in XXXX and XXXX. This needs to be removed.
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| 09/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
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Web |
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I qualify for the false certification discharge. Aidvantage my student loan servicer as well as XXXX XXXX the school has made it difficult for me to get my discharge. I had a criminal record prior to enrolling at XXXX XXXX in XXXX. I still have the same criminal record now to this day in XXXX. I have multiple felony charges which disqualifies me from being employed specifically in the field that I studied at XXXX XXXX. I got a degree in XXXX XXXX. I was on XXXX XXXX XXXX XXXX XXXXXXXX would visit me at the campus. The administrators at XXXX XXXX enrolled me knowing that I was on XXXX and that I had XXXX. I have provided all documentation to XXXX XXXX and to aidvantage that they have requested from me to prove I qualify. I have all documents from the XXXX and XXXX XXXX XXXX clarifying I have these charges and had them prior to enrolling.I have been dealing with this issue for years now sending documents back and forth and it's not getting anywhere. Theres no way I can pay these student loans when my XXXX background disqualifies me even for just a regular job much less a job in the XXXX XXXX field. The last letter I received from aidvantage was today XXXX stating that they have denied me after years of waiting and going back and forth with documentation. It makes no sense I have provided everything that they have requested from me. I can't pass a background check how do they expect for me to get employed and not being able to utilize my degree.
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| 08/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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When my loans were moved ( as if I and my family 's ambitions make us into cattle transferred from one slaughterhouse to to another ) from XXXX to Maximus in XX/XX/2023, I received confusing emails from XXXX that I couldn't confirm as spam or not. I finally investigated the Aidvantage website and immediately found non-functional webpages, which made me more uncertain.
I finally decided Aidvantage had probably acquired our debt legitimately and that I had the correct website. I set up my login and immediately found out that Aidvantage does not use two-factor authentication. This makes my payments and my loans insecure, and as the attached correspondence from XXXX XXXX indicates does not seem to be a priority fix at all.
I hope the management of the CFPB understands just how much of a painful burden my family 's ambitions to pursue publicly valuable knowledge has placed on us. CEO XXXX XXXX XXXX has an astounding net worth of {$35.00} XXXX dollars. He is like a vampire, and the fact that he and his executive team are unwilling to even create a reliable infrastructure for us to transfer our hard-earned income to his wallet must be addressed by my federal government.
I also contacted my congressional representative and their staff refused to get involved because Aidvantage is a " private relationship. '' This is a public loan, a federal loan. Has it really been totally privatized so that this vampire is unaccountable to us as American citizens?
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| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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first for most I respect and honor our promissory notes to pay Aidvantage. my reason for filing a complaint is, the DEP/AIDV accounts that are XXXX years old are to be deleted permeant. Aidvantage states that I only asked for delinquencies to removed but i demanded more than that I also stated for all accounts over the XXXX-year age limit be deleted. On XX/XX/2023 you received a letter address to you on the envelope but on paper addressed to XXXX about the furnishing of your account data information on me. on XX/XX/2023 an investigation was filed by XXXX. The investigation results came back with the information of Deletion of XXXX DEP/AIDV accounts. On XX/XX/2023 NEW ACCOUNTS were furnished onto my consumer report without my knowledge. XX/XX/2023 another dispute letter was sent out and your Aidvantage invesitgation shouldve sent me results of the invesigation, only one sheet of paper was sent explaining to me nothing of what results came about after my dispute. it was intentional and misleading. The accounts that were furnished on XX/XX/2023 have the same amount of the investigated deleted accounts. you have violated my rights as a consumer FCRA 605 ; 15 U.S.C 1681 ( c ) ; 12CFR 1006.30a. my affidavit of truth is attached to my earlier complaint through CFPB. I appreciate your response, but this response does not legally refute any of my claims in my affidavit. and all documentation to support this claim I have and are attached to the complaint.
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| 12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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These items on my credit report as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... dept.of education ( Aidvantage ) whom I've been trying to get them to understand that they have wrong information concerning any of these accounts and some I have no clue about at all. They have been on my credit and have sold my information to other companies which has violated my rights and privacy. I called XXXX, XXXX, and XXXX about an investigation before and still the problem exists on my credit report. 15u.s.c1681 section603 ( 3 ) ( E ) states the term investigative consumer reports or portion there of in which information on a consumer character or mode of living is obtained through personal interviews with neighbors, friends, or associates of consumers reported on or with others with whom he's acquainted or who may have knowledge concerning any such items of information.however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer..also they have violated my rights numerous times. The credit bureaus violated my rights under the 15u.s.c 1681. According to 15 usc 1681 section 602a states I have the rights to privacy and 15u.s.c 1681 sec. 604 a sec 2 states a consumer agency can not furnish a account without my written instructions.
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| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I mailed a letter requesting verification of the information held with the company Advantage, a company I have never been associated with along with any documents or contracts with my wet signature for verification of any contract signed ( which is normal for my operation of business ). They returned with documents that were incorrect including an amount I did not owe them nor did I attend school dated back from XXXX in the amount of XXXX and XXXX including a disbursement date of XX/XX/2015. Not only did they return this inaccurate infomation, they also did not include majority of the things requested for verification for consumer ( including last billing statements, late payment notifications, original contract with wet-ink signature, proof when any debt owed became delinquent, proof of service with state, etc. ) This company is in partnership with the Department of Education Loan Servicing dept and has unauthorized shared information within their operation of business. Including that, information came back under my request of verification in the form of documents including an incorrect mailing address, email address, and typed signature ( not official wet-signature signed per request ) as well as late payments on credit report to a business I never had business with. This matter is affecting my score with inaccurate information unverified and after my request, no action has been changed to remove, going against my rights as a consumer.
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| 11/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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I received a letter from Aidvantage about setting up an automatic withdraw for my student loans. I was granted the full teacher loan forgiveness {$17000.00}. In I believe XXXX. I followed all the guidelines to consolidated and make specified payments. The remaining amount of my loans had been forgive with the teacher loan forgiveness. I have not make a payment towards my student loans since XXXX since they had been forgiven. I have tried on multiple occasions to contact Aidvantage. I have sat on the phone for up to hour waiting. I have tried to call weekly since I received the letter since XXXX. I still have yet to talk with anyone. I have emailed a few times. I finally received an email back on XX/XX/XXXX. I emailed back because the dollar amounts they reported were not correct based on what was originally reported from my XXXX service account. I contact XXXX service and they too were unsure of how the outstanding balance it still there. They said they would send a complaint and suggested that I do so as well. I have continues to try to call Aidvantage and still not luck. I am now 2 months behind on payment and getting nervous about my credit. However, I do not want to make payments as this balance should not still exist. I looked on the internet to see what other options I have. It was recommended to file a complaint through CFPB. I am still in contact with XXXX XXXX and they said they intend to move the complaint forward as well.
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| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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To whom it may concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of responsibilities and noticed a few accounts that need more clarity. I am not 100 % sure if they are accurate. I also read something called the Fair credit reporting Act where by law I have a right to challenge anything I am not sure is accurate. Some people are reporting things on me that dont seem accurate.
Are you familiar with something called 15 Usc Sec 1681a? I heard that if you cant provide proof, these accounts need to be deleted immediately! Well I want these accounts deleted if they are not 100 % right and correct. So you have up to 30 days to complete this investigation, which was confirmed by a lawyer. Please investigate the following accounts and remove them if the information is not correct!
My student loans are not consistently the same information across the 3 credit bureaus. So i am confused as to why the dates arent the same because per law, these pieces of information have to match identically with the 3 creditors.
Also any type of credit transactions whether its finance, leases, loans, purchases have to be cash in hand. I never received any type of compensation for those loans.
Per 15 U.S. Code 1679, these transactions were never done which is a violation.
Also XXXX was sold to a different company and bought out and i was never sent any documentation on what I owe or moving forward
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| 11/03/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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On XX/XX/XXXX, I requested a refund of {$8300.00} from Aidvantage, my current loan servicer who took over for XXXX, for payments made to the former loan servicer during XXXX COVID Pandemic from XXXX. I did not receive the correct refund. The amounts that they have recorded and refunded are incorrect and significantly lower than what I paid to them ( please reference the withdrawals/payments made from my bank account to XXXX in XXXX ). I spoke with representatives from Aidvantage multiple times and continue to receive falsified/innacurate information of amounts paid to them. When I correct the representative they somehow find the correct amount in their records from some back door. I have evidence in forms or documentation of amounts paid including bank statements and phone calls with them including case numbers from conversations weve had on this matter. On XX/XX/XXXX, I was refunded {$3500.00} less than what was owed to me. They continue to delay the refund and conversations to make this process as uncomfortable and time draining as possible to discourage the pursuit of this endeavor. I followed up with Aidvantage every 2 weeks about the progress of my refund, to verify the amount and to ensure they have all the correct information. I did this because of my poor experience with the first Aidvantage representative who continued to give me falsified/incorrect information. Aidvantage has records of these conversations written down.
|
| 10/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
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I called aidvantage on XX/XX/XXXX to request a refund for payments that I made during COVID in the amount of {$1700.00} that was paid in 11 separate payments made in XX/XX/XXXX of XXXX through XX/XX/XXXX of XXXX. I talked to XXXX, who was really nice and said it would take 7-10 days for the balance to be reflected on my account and then 4-6 weeks to receive the refund after that. She gave me a confirmation ID XXXX. After 7-10 day mark I notice there were no changes to my aidvantage account so I called again on XX/XX/XXXX and spoke with XXXX for an update on my account situation. She reiterated the same spiel and said to wait a couple more weeks then to call back. I checked my account often and did not notice any changes to my account at all and decided to call a third time on XX/XX/XXXX. This time the rep I was talking to made her name inaudible that I couldn't really hear what it was, but basically said to keep waiting. I asked where in the process is my refund at and she couldn't even tell me if it has been approved by aidvantage or the government treasury department and seemed to be responding off of a transcript. I frequent the XXXX forum and saw that there were people who called after XX/XX/XXXX and gotten their refund and account to reflect the refund already so I was confused as to why they seemed to be picking and choosing which accounts were prioritized which is not fair. This is why I am filing a complaint to the CFPB.
|
| 11/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
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I applied for the SAVE Repayment Plan on the Federal Student Aid website on XX/XX/XXXX. Aidvantage my loan serviced received my application and I called to make sure I would be switched over. The representative said I was good and I would be receiving information about my new payment of $ XXXX. Instead of switching me to the SAVE plan with an estimated monthly repayment of $ XXXX, they took my original IDR plan with monthly payments of $ XXXX and applied my SAVE application information to increased my payment to {$1300.00} under the prior IDR plan. I was informed of this new payment on XX/XX/XXXX. I called again and stated this is not what I agreed to do. The representative stated it was submitted wrong and that she would fix it. I paid a forbearance fee of {$5.00} on XX/XX/XXXX to exit the IDR plan I was previously on and go into the SAVE repayment plan. On XX/XX/XXXX I received my statement stating it was for {$1300.00} ( the prior due amount with {$5.00} subtracted ). I called again stating I was in the wrong plan and that I never approved my application to be used for the prior IDR. The representative stated she was going to fix it and extend my forbearance period so first payment of {$800.00} would be due at the beginning of XXXX. Notified of forbearance approved on XX/XX/XXXX. I received documentation that my new IDR was approved on XX/XX/XXXX, but it is still for the prior IDR plan and the expected payment is {$1300.00}.
|
| 07/25/2022 |
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
|
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Web |
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Department of EDXXXXt violated the United States Code Law. As detailed in 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
In XX/XX/XXXX, I received notification that my credit report had 5 late payments reported from the Department of EDXXXX XXXX This was the first time I was aware of payment being required as the Department of EDXXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all 5 student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. I submitted hardship letters to the Department of EDXXXX requesting they grant me a Goodwill Request as the 5 late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships.
The Department of EDXXXX has continuously refused to not respond to my letters and has violated my rights as a consumer.
Please consider this request.
|
| 02/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
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Web |
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My loan switched hands from XXXX to Aidvantage in XX/XX/XXXX. Prior to the switch, I was on an income driven repayment plan of XXXX XXXX through XXXX, going into repayment on XX/XX/XXXX after the blanket forbearance due to covid and was contracted for XXXX XXXX through XX/XX/XXXX with XXXX This information was somehow lost between the companies during the transition. I have contacted Aidvantage multiple times since XX/XX/XXXX, when the transition between servicers finalized and I received a monthly bill including a late fee for what was supposed to be a {$0.00} payment. I have called MANY times, sometimes being hung up on, being told to just keep calling back, being argued with, told that the change back to the {$0.00} payment plan would be very easy to accomplish, being asked to recertify against the contracted XXXX XXXX payment, and then being told that the supervisor was refusing to talk to me and that the customer service representative was told to simply de-escalate me because " nothing could be done ''. I am simply asking that they locate the information provided to them from XXXX and get me back on the XXXX XXXX payment I was contracted to with XXXX.
Attached are the last bill from XXXX with a due date of XX/XX/XXXX showing {$0.00} due and the bill from Aidvantage with a statement date of XX/XX/XXXX, TWO DAYS LATER, showing a balance of {$930.00}, including a late fee for what is supposed to be a {$0.00} payment.
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
|
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STUDENT LOAN : ALL DEPT OF AVID/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antidotes the report by more than seven years.
15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I demand the collections be removed from my account immediately.
|
| 12/15/2022 |
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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AIDVANTAGE is reporting that I was 90 days late on 4 different loans in XX/XX/XXXX, though my XXXX payment is on time.
I have disputed with the company, spoke to reps, mailed letters and to know avail.
In addition : This account is a billing error. A creditor that fails to comply with the requirements outlined in the fair credit billing act forfeits any right to collect from the XXXX.
This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 Defines a finance charge. I respectfully request your company provide me with the documentary evidence that clarifies this billing error.
I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financed sale as defined in paragraphs ( XXXX and ( e ) of this section.. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I DO NOT consent to furnishing any negative information to any non affiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court input and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
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Web |
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Prior to XX/XX/XXXX, Aidvantage reached out to me to let me know that my payments would be beginning. Then I read that XXXX was handling all pslf loans. I have been working towards pslf for YEARS! During the pandemic I applied again for pslf and they finally accepted my past 6 years for working for the XXXX but not my XXXX XXXX XXXX XXXX XXXX XXXX XXXX because they say my EIN isn't correct. How did I receive tax forms for all those years? So I began calling customer support. I waited for an hour and 17 minutes one day and the next day it said my wait would be 422 minutes! I am an XXXX do you know how much free time we have? Then on XX/XX/XXXX I received my first bill. Prior to the pandemic my payments were {$350.00} a month and now they want {$870.00}. What!? It says to apply for refinancing but my payment could increase. Why would I do that?
Now this week my email said my new servicer will be XXXX What do I do? Who do I contact? How do I dispute my payment and my years working towards pslf? There is literally no one to talk to. I luckily saw this site in a XXXX XXXX article because who is an advocate for student loan? I can make a payment, I've given my whole career to public service because I know my college education will never provide enough money to cover being an XXXX - that was the promise our college made to us. Be an XXXX and you can get loan support and great benefits - these aren't really panning out.
|
| 11/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
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Web |
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For XXXX consecutive months, after student loans resumed, my auto pay for Aidvantage has been rejected. I have had auto pay set up for over a year in advance of repayments resuming, but last month the payment was not taken from my account and I was delinquent. I called the provider, made a manual payment, and was assured that auto pay would work this month. However, again the auto pay did not go through and again I am delinquent. I spoke with aidvantage and they told me I had only set up auto pay on XX/XX/XXXX- which is wrong. The previous customer service agent added notes to my account on XX/XX/XXXX stating the issue and noting that everything was set up for my XXXX payment. Speaking with them again this month ( XX/XX/XXXX ) they initially told me this was my fault and then said it was a system issue with no resolution. They would not provide this response in writing for my records. I also requested that the auto pay be adjusted so that it withdraws my money in advance of the due date so that I can monitor for issues and make a manual payment if there is an issue, but they do not allow this. I'm very concerned about late fees and impacts to my credit as a result of this, if it continues in future months and the only resolution they gave me was " it should be fixed by next month, so don't worry about it '' which is what they told me in XXXX and I'm still having the issue. They provided no assistance whatsoever.
|
| 11/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Servicemember |
|
I paid off my student loan with XXXX XXXX during the pandemic period. I requested a refund of all payments made during that period, and XXXX said they submitted that refund request on XX/XX/XXXX to the federal treasury. Then In XXXX they say they transferred my loans to aidvantage because XXXX is no longer going to be servicing student loans. Aidvantage says they have no information in their system about my loans and may not have any information u til the end of XXXX, the deadline to request refunds of payments made during the pandemic in order to qualify for the new student loan forgiveness is the end of XXXX, XXXX claims my refund request with the treasury no longer exists and aidvantage will have to request it again but since aidvantage says they will not have any information on my loans u til the end of XXXX by then the refunds will not be an option and I will lose the forgiveness. I found information online that stated a complaint with you could help me and cause me to get the refund in time, please help me get aidvantage to submit my refund request In time, they are not able to give me any information as they say my loan is not in their system yet but I have an email from XXXX stating they transferred it on XXXX XXXX. I have waited weeks hoping this would resolve on its own but now I a, afraid if I dont take action I will lose the loan forgiveness by missing the upcoming XXXX deadline for refund requests,
|
| 10/07/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
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Web |
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I called Aidvantage 's customer support on XX/XX/XXXX around XXXX XXXX EDT in order to initiate a refund of {$20000.00} on multiple fully paid loans.
I have 5 loans that added up to a total of {$23000.00}, which I paid off all around XX/XX/XXXX.
The representative ( XXXX XXXX was able to assist and confirmed the request has been submitted and that it must be approved by a manager. Since none of my 5 loans add up to {$20000.00} exactly, he was able to request a partial refund on one of the loans while a full refund on the rest.
He also told me that the refund request will be approved and processed by XX/XX/XXXX and that my balance will be reinstated and reflected on Aidvantage and Federal Student Aid.
By XX/XX/XXXX, I did not see any actions on either my Aidvantage or Federal Student Aid account and called customer support around XXXXXXXX XXXX EDT. The representative XXXX XXXX XXXX was able to confirm that my refund was approved for {$20000.00} and that I need to wait an additional 2 to 4 weeks for the request to be processed.
After waiting another 5 weeks, I have yet to see any actions on my accounts. Students who called later than me have gotten their loans reinstated and refund deposited in their bank account, while my refund request is either still being processed or on hold.
Aidvantage do not provide any system of correspondence in place that let people know what is happening with their account.
|
| 05/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
This complaint is about Aidvantage. I have tried 3 times to have my loan payments reduced and have sent in all of the documentation. I was able to have the payment reduced last year and understand that I have to re-apply every year. Since splitting from XXXX, who reduced my payments using the same documentation ), Aidvantage finds fault with the same paperwork and denied my request for reduced payments. I talked to them about three weeks ago, around XXXX or so, and asked them what more can I do. I also asked the agent to have her supervisor actually look at the document which is a monthly statement from the company that sends my pension payments each month. They promised to look into it, however, I received an email this morning XX/XX/29, that never mentions the reduced payment request. They also have incorrect information regarding the covid-19 relief measures which have been extended, however, I never stopped making paymenst on my loan. This reduced payment option will expire soon and as of XX/XX/XXXX, they expect me to pay over {$700.00} per month. I am retired now because of a layoff and certainly can not pay that much and they are aware of the fact because I have sent them the information that confirms that I do not have enough income. When I was working making triple what I receive on a monthly basis, I never had to pay that much. I need help because I am not getting anywhere with them. I'm out of time.
|
| 09/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I am writing this summary in concern as a deceptive practice by Aidvantage student loan servicer. Below is a summary of what happened.
XXXX XXXXreceived an email to confirm autopayment XXXX XXXX-confirmed autopayment on Aidvantage website and received confirmation email. No further steps provided. No further emails.
XXXX XXXXreceived email that autopayment was cancelled due to no confirmation. No longer enrolled which forces me to now make payments myself and I lose the interest rate reduction.
XXXX XXXX I sent an email requesting clarification as to why it was cancelled and received a response several days later stating I did not respond directly to an email to confirm my autopayment.
I sent another email to Aidvantage asking about what email was supposed to be responded to as all the emails are automated and say not to respond, but receive no further response from them.
XX/XX/23 I call customer service because I am no longer receiving a response as to what email I was supposed to respond to as I never received anything other than automated emails and I was told by the representative that there was an error and the emails were not sent to everyone so there was no option for me to respond to that email so I was unenrolled from autopay. I feel this is a deceptive practice on their part as likely many people have been removed from automatic payments and do not realize it and will miss their first payment.
|
| 09/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I received correspondence like millions of other people to recertify my student loans and to apply for the new SAVE program as soon as possible. On XX/XX/XXXX, I followed the link of my servicer 's website ( AIDVANTAGE.COM ) which redirected me to FAFSA 's website. This was nothing new, as XXXX did the same thing. I followed the directions and applied for the SAVE program and directly linked FAFSA to my IRS account successfully. I was tentatively approved on the new program for XXXX XXXX/month and XX/XX/XXXX pending review and acceptance from my servicer. According to the application progression on FAFSA 's site, AIDVANTAGE provided acceptance and approval on XX/XX/XXXX. I received a bill from AIDVANTAGE XX/XX/XXXX for {$300.00} due late XXXX. I emailed AIDVANTAGE because their telephone number was busy repeatedly and their chat function said " closed try during business hours. '' I received a response on XX/XX/XXXX saying they never received an application and that I had to complete a repayment plan exit before changing to the SAVE plan which included paying one full month on time payment. So they gave me 8 days notice to pay over {$300.00} when I was led to believe my payment would be {$0.00}. I tried to schedule a call back and there are no dates or times available.
Even today when you go to aidvantage. com, there is a popup window that tells you to go to studentaid.gov to apply for the SAVE plan.
|
| 10/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My student loan processor is Aidvantage. Before XXXX XXXX announced the SAVE plan, i applied for an Income-Driven Replacement Plan ( IDR plan ) in the last week of XX/XX/2023 to prepare for loan repayment. The following week, XXXX XXXX announced the SAVE plan. This new plan would cut my payments in half, which was crucial as I could not afford my IDR payment. I work for the state government and my wages are low. I initially submitted my SAVE application and followed up XXXX weeks later. Aidvantage representative said my application had been lost so we re-submitted an application together. I did not hear anything and assumed things were fine. On XX/XX/2023, I received an email notice that my monthly payment was still the XXXX amount ( my SAVE application had not gone through ). I contacted Aidvantage and worked with another representative who submitted a new SAVE application for me on XX/XX/2023. She informed me that my SAVE application would be approved by XX/XX/2023. It is XX/XX/2023 and my SAVE application has still not been processed. I have followed up with Aidvantage often, usually waiting on hold for at least XXXX minutes before speaking to an agent, and most recently, I waited for XXXX minutes to talk to an agent. She got my information and put me on hold for XXXX minutes and then hung up. I need help and have done everything I can on my end to make this work, the fault is on Aidvantage.
|
| 10/01/2022 |
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 |
|
|
I recently received a credit alert stating a new account has been added to my XXXX report. When I checked, there was a new student loan reported on XX/XX/XXXX that was opened in XX/XX/XXXX for the amount of {$3500.00} and closed in XX/XX/XXXX with a delinquent status. I immediately contacted the servicer as I did not open any student loans in XXXX. When I contacted the servicer, they did indeed confirm I had not opened any loans in XXXX and the loan referred was an old loan from XXXX. I advised the servicer that I have not opened any loans and that this information was never reported to me until it went to my credit report now in XXXX. In addition, I advised the servicer there is no loan in my report from XXXX and the only loan I see in my report is one of XXXX. I was never notified via letters and they advised it was not a requirement. I requested this error to be fixed from my report as I have not opened any student loans in XXXX. The servicer said they will escalate to fix the matter and they will send me a statement. None of those tasks occurred. I then disputed the entry via XXXX and the inquiry came back without being fixed. This is only showing on my XXXX report and XXXX accurately do not reflect this account on my report.
Please have this error fixed. The fact that the agency is reporting a loan as XXXX for a loan in XXXX and showing a recent delinquency is falsification of records.
|
| 09/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
|
I have a loan serviced by Aidvantage in the amount of ( balance ) {$52000.00}, Account # XXXX.
About two months ago, I sent in the required forms and paperwork for discharge because the Department of Veterans Affairs deemed me 100 % XXXX ( Permanent and Total ). Today, I received correspondence that I had to provide evidence of a name change because the name XXXX and Aidvantage has on file do not match. The document states that I need to provide evidence in the form of certain listed acceptable documents for a First Name Change, or other certain listed documents for a last name change. Because the document did not specify the discrepancy, I called Aidvantage and spoke to a Rep who could only note that XXXX had XXXX XXXX XXXX XXXX Aidvantage 's listed name as XXXX XXXX. XXXX is not a first or last name, it is a suffix.
I loaded the documents into the Aidvantage system, but fear this is a game they are playing to make student loan discharge just that much more difficult. They have accepted over {$50000.00} in loan payments from me with this so-called discrepancy, but now that I've put in the proper paperwork for discharge it's suddenly a problem and they don't know who I am?
I'm asking that they look deeper into this, let me know what the first or last name discrepancy is, and expedite my discharge. The Adivantage rep saw no discrepancy with the first or last name as seen in their records.
|
| 11/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
I signed up for the SAVE plan when the announcement about it first was sent out. I received confirmation that my application was received on XX/XX/2023. My API is only XXXX XXXX, so under the SAVE plan, I should be making {$0.00} payments on my loans.
On XX/XX/2023, I received an e-mail from Aidvantage saying that my next payment due was {$330.00}. When I contacted Aidvantage, they told me that the SAVE plan wasn't processed because I had to first exit out of my IBR plan before the SAVE plan would go into effect. This was never communicated to me throughout the entire month of XXXX.
The person I contacted then said that my only option was to exit out of the IBR plan I was currently on, and that I would have to a final monthly payment or go into forbearance with a {$5.00} fee. I accepted this, they took my money, and I thought everything was done. I received an e-mail on XX/XX/2023 that said my forbearance had posted.
On XX/XX/XXXX, I received another e-mail saying that I still owed {$330.00}. I contacted the processor again, and they said that they would walk me through reapplying for the SAVE program, because they believed I had somehow done things wrong. They said if I applied over the phone with them, it should post properly.
On XX/XX/XXXX, I received an e-mail saying that I owed {$330.00} for the month of XXXX. This is after XXXX times of trying to get onto the new SAVE program.
|
| 04/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On XXXX XXXX I submitted a Loan consolidation app to XXXX, the confirmed they received it and so did Advantage on XX/XX/XXXX. Between XXXX XXXX XXXX shows on my Financial Activity Document that 10 loans totaling around {$100000.00} were consolidated and removed from XXXX.
On the Federal Student aid site it reflects this consolidation and removal of Loans from XXXX. My current loan balance is about {$12000.00}, which are 2 consolidation loans I have at XXXX.
I have consistently been calling AidVantage to ask the status on my loans and they told me repeatedly until XXXX that the process was still going and delayed because of the the waiver deadline. In XXXX, 6 months after my initial Consolidation app and with zero notice from AidVantage I called and inquired about my delayed outcome. AidVantage told me that they denied my consolidation application in XXXX.
XXXX says they don't have the missing {$100000.00}, AidVantage says that they didn't consolidate my loans, Federal Student Aid said they can't tell me where the missing loan balance resides. AidVantage is the only servicer handling consolidation loans for XXXX, so i do not understand where else my loans could have been sent.
I have checked my credit report and I do not have any loans showing up anywhere other than XXXX. I am pursuing Public Student Loan Forgiveness and need these loans to show up so that I can get credit for them.
|
| 03/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XXXX XXXX University sent me a student federal financial aid stipend in the form of a check that was over XXXX XXXX dollars and that check never made it to me. When I notified XXXX XXXX XXXX, I was told I was on my own, even after I made a police report, and filed a ton of complaints due to the identity theft, fraud, and forgery. I have repeatedly tried to ask the school to do the right thing, report the fraud, and reissue the check, and I've even asked Aidvantage to discharge the loan amount that never made it to me. No one wants to help me, and it's not right I pay back a loan that never made it to me that was sent by XXXX XXXX XXXX. Aidvatage Fraud Department told me that XXXX XXXX University needed to report the fraud since they were the issuer, however the XXXX refused to do so. The detective in Texas XXXX said he can't do anything because the XXXX told him they couldn't determine a victim which is absurd. The individual who did this has pending charges for all the things she has done to people, which is in XXXX XXXX, Texas at the XXXX XXXX. I am awaiting the DA to contact me so that I can send him all this proof I have so that they can add to their evidence for prosecution. All I ask is for my loan servicer cancel the portion that was stolen, or for XXXX XXXX University to reissue the check. No one seems to want to do anything about it and I have been chasing my tail for a month.
|
| 03/05/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I sent XXXX XXXX This affidavit asking for proof of obligation of this alleged debt.
XXXX XXXX } XXXX XXXX XXXX XXXX XXXX } XXXX XXXX XXXX XXXX PA XXXX } XXXX PA XXXX Affidavit Request Proof Of Indebtedness *NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* Date : XX/XX/2022 The undersigned Affiant XXXX XXXX , herein after Affiant, does solemnly swear, declare and state as follows : XXXX is competent to state the matters set forth herein.
XXXX has knowledge of the facts stated herein.
All the facts herein are true, correct and complete, admissible as evidence and if called upon as a witness, XXXX will testify to their veracity.
I am requesting your proof that I am the obligated party to repay this alleged debt. Please validate this alleged debt on account ( s ). XXXX. Please provide the original instrument of this alleged debt in its original form. Please be aware that any general accounting ledger, statements, or promissory note printed is not proof of obligation. Please provided proof by affirming you did not sale the original note and or transfer it to any third party. I am requesting this information in accordance with the Truth In Lend Act. Please cease and desist of any further attempt to collect on this alleged debt until you can validate it with the original instrument. I look forward to forward to hearing from you.
Thanks XXXX XXXX
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| 10/05/2023 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I requested that Aidvantage provide me with a signed, dated loan agreement ( i.e., promissory note ) that indebted to them for the alleged student loans. In order for a contract to be enforceable, the agreement/promissory note must contain the following information : the date of the loan, the dollar amount, the names of both parties, the rate of interest, any collateral involved, and the timeline for repayment. I have attached two versions of the letter sent to Aidvantage via certified mail.
The information provided to be by Aidvantage only contained a loan amount and disbursement date. The other mandatory, contract enforceable items were not included.
A contract constitutes an agreement between two or more parties. This agreement can not be made if one, or both, parties does not explicitly know how much they are required to pay back and by when AND if the contract has not been signed by BOTH parties to solidify the agreement. Again, the documents provided by Aidvantage did not include these required elements which therefore voids any alleged debt associated with my name and social security number.
Please instruct Aidvantage to cancel any associated debts that exist in their system linked to my name and social security number as their contract/loan agreement is not legally enforceable since it does not contain the required elements for a legally binding contract/agreement.
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| 11/03/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I called on XX/XX/XXXX at XXXX XXXX and spoke with XXXX XXXX AidVantage ( my former loan servicer was XXXX ) regarding refunding payments that I made after the pandemic was declared by the Federal Government in XX/XX/XXXX. I was told that I made payments totaling {$5600.00} during that timeframe and that amount would be refunded to the bank account that the payments came from within 4-6 weeks.
Today, on XX/XX/XXXX at XXXX XXXX XXXX one day short of 8 weeks since I first contacted my loan servicer, I called to follow up on the status of my refund. I first spoke with XXXX, who told me that the refund would take around 12 weeks, which is more than double the time that I was originally told. After pressing her, she transferred me to another department so I could get the status of my refund. Once the call was transferred, I was told the refund would be via check, not to my bank account like I was originally told. I was also told that the refund was just processed today, but it would now go to t
he U.S. Treasury and it would take an additional 10-14 weeks to receive a check. This is unacceptable. In summary, I was lied to, mislead, and deceived. The refund should have been to my bank account within 4-6 weeks and I am now being told I will receive a paper check and it will take a total of 18-22 weeks ( 8 weeks for processing and 10-14 weeks for the Treasury to send the check ) .
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| 07/01/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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my loans started with XXXX and have recently been transferred to Aidvantage who is mashandling my loans and misinforming me of my rights. I had an IDR plan with XXXX that started XX/XX/XXXX in the amount of {$39.00}. i paid this until XXXX when my loan was transferred to aidvantage. in XXXX aidvantage charged me XXXX instead of the IDR XXXX when i inquited the associate was not sure why i was charged this amount as the rest of my payments were listed at the XXXX. I decided at that point to continue with the government defferment as money was tight. I recently went in to check my account due to the restart in XXXX payments. they are charging me {$210.00} XX/XX/XXXX and XX/XX/XXXX, and then reverting to the {$54.00} for the remaining months through XX/XX/XXXX. I called to ask about the error and was told there was no error, they can change the amount at any point and that I have to re certify to resolve the issue. I told the associate that they could not change the terms on my idr until XX/XX/XXXX per their own website. I then read them the terms listed on the FSA covid idr announcement and was told those did not apply to me. I asked for a supervisor, they forwarded me to a XXXX. she called me 30 minutes later and immediately hung up with out talking to me and has not reached back out. they are trying to bully me into recertifying instead of honoring the terms laid out by FSA.
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| 03/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I have an outstanding an student loan with Aidvantage. A small portion of this loan is unsubsidized. During the period of time in which interest/req 'd payments have been frozen I've been doing my best to pay down the principal on the unsubsidized portion of my loan.
From XXXX - XX/XX/XXXX I've steadily and deliberately applied payment to the unsubsidized portion of my loan. During this time I saw the principal amount reduced as expected. During this time I used their 'Specify for each loan'-payment wizard and it followed my payment instructions as entered.
On XX/XX/XXXX, when attempting to make payment as I had before -- instructing to pay only the smaller of the 2 balances ( my unsubsidized loan ), my payment instructions were modified without my consent. Payment was instead directed toward the unsubsidized portion of my loan. This portion has a significantly higher balance and will take more time to pay off. Any attempts to rectify this nonconsensual payment modification on Aidvantage 's part have hit a brick wall. Their 'specify for each loan'-wizard modifies my payment every time even though I'm attempting to pay down the smaller of my 2 outstanding balances.
It appears Aidvantage has levied a 'ghost'-minimum payment threshhold that must be met prior to paying specifying principal paydowns which seems to be at odds with what the federal government has mandated.
|
| 11/03/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I made a lump sum payment of ~ {$11000.00} in XX/XX/XXXX to XXXX ( Now Aidvantage ) to pay off my student loans.
On XX/XX/XXXX, I requested a refund of my lump sum payment and was informed it would take about 4 weeks to have the balance reflected back on my account, with a refund back via direct deposit after another 1-2 weeks.
With no updates, I called on XX/XX/XXXX ( 5 weeks ) to check what's going on and was told that the refund was approved but still processing, and that it would take 6 weeks now from requested date to update the Aidvantage account balance. Since the XXXX increased, I asked if it was possible to expedite my refund in any way, and the representative said it wasn't possible.
Called again today XX/XX/XXXX ( 7 weeks ) to check for updates as my account balance is still unchanged. An automated bot responded with a 10-12 week turn around time, more than the updated 6 week XXXX. I was able to get hold of a representative, who informed me that she needed to transfer me to someone who can help. A moment later, I was greeted by another automated bot that said it wasn't set up, and that I can no longer be helped and hung up.
All requests for written confirmation on approvals and turn around times via email/text/mail were denied by Aidvantage and their reps XXXX Which is leading me to believe that my refund is being intentionally delayed without reason.
|
| 09/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
Older American |
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The loan for my loans was recently transferred to Aidvantage for servicing.
I open an account at Aidvantage - number XXXX.
As I live in XXXX I searched their website for details on how to send payments internationally. I could not find any.
I have an account at XXXX XXXX XXXX XXXX ( XXXX ) so I sent ( by registered delivery ) to : Aidvantage FSALS, XXXX XXXX XXXX, XXXX, OR XXXX - six checks for each loan ( I have 2 ) that were individually dated for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. There was a cover letter that explicitly stated " do not present the checks before the date on the checks ''.
As soon as they received the cheques they presented them. The majority of the checks were honoured by XXXX so all my funds were wiped and I was left with a huge overdraft.
I emailed Aidvantage but got a long winded response that basically said we don't answer via email so phone or come in or write.
Tried to phone, but the number to internationally call was listed incorrectly as XXXX XXXX XXXX XXXX. In actual fact to call the USA the code is XXXX then XXXX then area code and number so correct number is XXXX. Having worked this out I tried calling go through to an automatic system which did not correctly recognise my SS number or account number. It was not possible to talk to a human being.
Can you help please. They have wiped out my account and left me with an overdraft
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| 11/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I graduated in XX/XX/XXXX, so my entire repayment has been during COVID-19 forbearance and I made several payments to my federal student loans during this time. Given the recent changes made to the PSLF program and meeting the program requirements since graduation, I applied. I therefore did not have to make payments during this time ( forbearance ) to receive credit towards PSLF. On XX/XX/XXXX, I submitted a request for a refund from Aidvantage for payments made during the COVID-19 forbearance period, as previously was published on FSA as an option. I was told I would find out by XX/XX/XXXX regarding its approval. I followed up on XX/XX/XXXX on my refund status and was told the request was sent [ presumably to the Treasury ] on XX/XX/XXXX and I would receive the funds in up to 60 days. On XX/XX/XXXX I received a letter stating the request was denied due to the request not being made by XX/XX/XXXX. On XX/XX/XXXX, I left a voicemail to the writer to discuss but never received a call back. I contacted the Ombudsman Group XX/XX/XXXX after several attempts to follow-up on the response and failed escalations through Aidvantage customer service lines. The Ombudsman Group confirmed there was only ever a period of COVID-19 forbearance ( XXXX ) during which payments made could be refunded published on the FSA website. They confirmed there was never a deadline advised by FSA.
|
| 05/04/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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|
Web |
Older American |
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Paid off my school loan in XXXX and received two US Dept.of Education letters confirming I completely paid off my school loans on XX/XX/XXXX and XX/XX/XXXX. I then received a refund check from the Dept. Of Education for overpayment of my school loans.effective date:XXXX
XXXX XXXX XXXX then started sending billing invoices three ( 3 ) years later in XXXX for a payment schedule of unpaid balances. I was not given any documentation of this new unpaid balances?
I contacted Aidvantage Loan Servicing ( XXXX sold ) in XXXX to inquire about this mystery unpaid balance 3 years after I had documents to prove I paid off my loan in XXXX.
After six attempts to reach the Claims Dept., they send a letter which stated : FSA requested adjustments to the account and this placed a balance back on the account. A bill was sent reflecting the balance of {$590.00}. This balance is valid based on requested adjustments per FDA.
I sent a letter to the Claims Dept., with copies of my two DOE letters stating I completely paid off my loans in XXXX and the copy of my DOE refund check in XXXX.
I have not heard back and the supposedly balance due on the ( already paid out ) school loan is now {$840.00} due to interest.
I am retired now, I paid my loans in full in XXXX with documentation. I have no proof or documentation that an adjustment was activated and valid as XXXX stated in XXXX.
|
| 11/01/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
Older American |
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I requested a Public service Loan Forgiveness and Temporary Expanded PSLF application from Aidvantage. I faxed the completed forms to the number given, XXXX on XXXX. I attempted to call Aidvantage XXXX times to confirm receipt of the forms. The last time I called they stated, " We don't process those forms, XXXX does, '' and gave me the phone number to XXXX. I wanted to confirm the receipt of the forms with XXXX. and tried to do so with no success. Then I started reading things online about, your loan will be transfered if you apply for PSLF. I do not want that! I don't even know if I qualify for PSLF, but I wanted to attempt to qualify, and have a dialog with Aidvantage about whether I qualify or not! Now I don't know where my loan is located, and what it's status is! I also filed a complaint about the balance of my loan which rocketed up {$20000.00} when Aidvantage got a hold of it from XXXX. I filed a previous complaint about that to have it reduced back to the correct amount from when XXXX held it, which was approximately XXXX, not XXXX! I'd love it if my loan was further reduced by PSLF, as I have worked in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my whole life. I also have applied for XXXX XXXX XXXX loan forgiveness, which would be XXXX XXXX forgiven as I have a Pell grant. I also want my XXXX paper forms, which Aidvantage still has not sent me.
|
| 12/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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In XXXX of this year I applied for the SAVE program like many did to lower my payments. My application was successfully submitted per the student aid website. But then I never saw this change take place with my loan provider Aidvantage I still received the same bill ever month. So after a month I tried to call the loan provider - but the call center was closed indefinitely - I was directed to email instead. So I contacted them via the email link on their website asking when I would be placed into SAVE, then did not receive a replay for over a month ( website says 2 days for a response ) and when I did receive a response it stated I was not even in a IDR plan. Even though my account when I look at my loans on their website and the federalaid website states I am currently under the PAYE plan which as far as I know is a IDR plan - so both incorrect and unhelpful as I was asking about my application for the SAVE plan. Since emailing didn't help I tried to call but I had the same issues as before and currently their " book a call back '' link is all blacked out. So I went again and applied for the SAVE plan on the federalaid page again to see if this time I could get through to them. But I am also submitting this complaint as I know I am not the only person having an issue with this loan servicer at this time especially in regards to changing your loan terms.
|
| 01/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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Subject : Urgent Request for Assistance - Cancelled Refund and Miscommunication with XXXX XXXX and Aidvantage To Whom It May Concern, I am writing to request immediate assistance from the Consumer Financial Protection Bureau regarding a severe issue I have been experiencing with XXXX XXXX and Aidvantage regarding my federal student loan refund request.
I am a federal student loan borrower and have been trying to request a refund in the amount of {$18000.00} with XXXX XXXX since XXXX. Despite multiple attempts, my refund request was cancelled and my account was moved to Aidvantage without any prior notice or communication.
I have followed up with XXXX XXXX multiple times, but they have not been able to provide any solutions or assistance and have instead directed me to reach out to Aidvantage. However, none of my paperwork or account information has been transferred over to Aidvantage, making it extremely difficult for me to follow up and proceed with my refund request.
I am extremely dissatisfied with the level of miscommunication and lack of assistance provided by both XXXX XXXX and Aidvantage. This experience has caused me a great deal of stress and financial hardship, and I am urgently requesting the CFPB 's assistance in resolving this matter as soon as possible.
Thank you for your time and attention.
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
|
| 03/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
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|
Web |
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Writing with regard to the way in which income based repayment plans ( IBR ) are calculated for federal student loan repayment. There is significant variation the cost of living across the country and thus determination of how much one can " afford '' based on their income is not an accurate representation of what is affordable because where I live, i.e., XXXX XXXX XXXX, California, the cost of living is markedly higher than the majority of locations across the USA. Furthermore, the cost of living has doubled in the past year not only due to inflation factors, but also the cost of rent, utilities, gas, and basic everyday living supplies is markedly higher. Thus the calculation of my student loans has jumped to {XXXX} per month based on my income, however, this is markedly a higher percentage of my income when integrating the cost of living.
Federal guidelines in determining IBR repayment is biased against those residing in higher cost locations and is causing me increased burden to manage my basic living expenses. Furthermore, it appears being single has an added burden of cost that is biased in that everything costs more for a single income earner compared to a partnered individual who shares the cost of living with 2 incomes. This is an added financial burden.
The only other option would be for me to be in deferment which would further exacerbate
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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XXXX and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer.
Secondly, XXXX mailed me a signed consumer contract on XX/XX/2022, which is not sufficient evidence of a debt. All that means is a credit transaction took place.
According to case law, XXXX XXXX v XXXX, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).
My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report.
I am demanding that AIDAVANTAGE produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ).
What I am demanding right now is that you guys delete the following AIDAVANTAGE Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
|
| 10/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Made a payment on XX/XX/XXXX covering the full loan amount + interest. The payment was reversed on XX/XX/XXXX despite having the status of " received '' on my account portal for aidvantage. There were no charges on my bank account and I confirmed with my bank that nothing was denied by my bank and that my bank had never received any charges from Aidvantage.
Upon checking my inbox in the aidvantage portal, I saw there were messages from Aidvantage saying that they could not locate my bank account so assuming that I had mistakenly entered my bank account info, I deleted my bank account from my Aidvantage account and carefully re-entered my checkings account information.
Following this, I sent a payment on XX/XX/XXXX ( only noticed the reversed payment on XX/XX/XXXX ), covering the full loan amount + the newly accrued interest. The payment was reversed again on XX/XX/XXXX despite seeing a " received '' status on the loan again. No charges on my bank account. And to top it off, there was no correspondence from Aidvantage as to why my payment was " reversed ''.
I just sent another payment on XX/XX/XXXX for the full loan amount + the newly accrued interest which is currently in the " processing '' status.
Throughout this whole process, I've emailed Aidvantage twice, called once and have not been able to get any help from their help line.
|
| 11/12/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Aidvantage student loans..
On XX/XX/XXXX I put in a request for a refund for the payments I made during the pandemic. The refund was submitted, and I was told XXXX weeks and that my refund would be sent electronically to my bank account.
On XX/XX/XXXX I called back because I didnt receive any sort of confirmation or loan update. I was told there is no confirmation but my request went through. I also asked about the student loan forgiveness. I asked if I could apply once the application went out. I was told no- and to wait for my refund first and then apply.
On XX/XX/XXXX I reached out through email to ask if there was any update with my loan. I received an email back on XX/XX/XXXX stating it could be delayed and thanks for my patience.
XX/XX/XXXX i reached back out regarding if I could apply for student forgiveness. On XXXX I was told I could apply and there was no update for my loan.
Aidvantage has had their site down since yesterday XXXX. Today XX/XX/XXXX there has been a hold on student loan forgiveness for all borrowers.
I am so unbelievably frustrated with the lack of communication, the fact that I still havent received my repayment, and the fact that no one has the same information on regarding what to do.
Now I may be out of my loan forgiveness due to the information I was given. And I still havent received my refund.
|
| 09/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I recertified with the Department of Ed stating that I would be paying {$93.00} per month under the new SAVE plan. Aidvantage said I would be paying {$530.00}. I called them on XX/XX/XXXX and they agreed it was incorrect but told me to check back later. I received an ecorrespondence from them on XX/XX/XXXX saying it would be {$340.00}. I checked back on XXXX XXXXand they said it did not show that I recertified and selected the SAVE plan. They said I could do that through them. I did that and they stated I would be paying {$100.00} per month, which is {$9.00} more than the XXXX website said I would be paying. I asked for proof of this and they said it would show up on the website and through email. I saw neither of those and have not received confirmation yet. I also checked the Student Aid website and it previously said I was under the SAVE plan. I checked today and it switched me back to the REPAYE plan. I checked Aidvantage 's website again today and it said I would be paying {$260.00}, which is what I was paying under REPAYE before payments paused. I called and told them it was incorrect and they said it could take up to 15 days from when I previously called ( XX/XX/31 ) to show up properly. I asked for confirmation again about my certification for my $ 102 monthly payment under SAVE and was told I would receive it but still have not.
|
| 11/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
XX/XX/23 I called Aid Advantage to ask about some details involving my repayment. They were unable to answer my questions. I asked why one of my accounts was at {$4500.00} and after the first month of XXXX 's payment only brought the principal down to {$4500.00}. I mentioned that this was the same for all of my loans and that there was more allocated to interest in XXXX than in XXXX. Their reply was that my account was in forbearance and that interest had accrued. I explained that there was no interest during the freeze and they replied with the definition of interest, that if you have a loan, each day the loans accumulate interest. They were unable to assist me with detailed information on how my account balance was being managed by their autopay month over month. This appears similar to my wife 's account and many others online have described similar issues.
In addition my credit score dropped XXXX from " increasing from XXXX to XXXX. '' It is difficult to find proper history of this on the Aid Vantage website and the representative was unable to tell me why my account accrued interest when it should not have coming off of the freeze that everyone was on.
If this company is handling my loan and can not assist me with the information in house my debt is being handled, The US government needs to step in and solve this massive issue.
|
| 04/10/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX, I received a bill from a company called " Aidvantage '' ( XXXX XXXX XXXX XXXX, TX XXXX ) in the amount of {$96.00}. It stated it was a current amount of " INTEREST DUE '' for an account # XXXX. I have NEVER any type of loan with them! It further stated there was an unpaid principal of {$10000.00}. The bill also has a logo for the US Dept of Education in the top upper right hand corner. Their contact phone number is XXXX. I contacted them on XX/XX/XXXX at XXXX XXXX and it first asked for my account number or social security information. I entered the account number. Then asked for " customer service. '' The line then dropped the call.
This bill is absolutely fraudulent. My parents fully paid off my student loan years ago and even when you look at the student.gov website it does verify that my balance is XXXX.
This company is trying to say I have an outstanding {$10000.00} balance and now is trying to collect {$10000.00} plus interest according to an interest schedule they also provided, thus explaining the first fee of {$96.00}.
They are requesting my payment be sent to : Aidvantage- Department of Education Loan Servicing XXXX XXXX XXXX XXXX XXXX OR XXXX I would be happy to provide any other information you need to prove this fraudulent claim. Thank you for your assistance regarding this matter.
Sincerely, XXXX XXXX XXXX
|
| 03/25/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My loans were with Navient and were bought out by Aidvantage. Every single time I have contacted Aidvantage in the past month I have been told completely different answers for my repayment plan options and issues. EVERY SINGLE CALL. I was told I was approved and the application was processed only to be notified via email that I was denied and now owe 3x the amount originally told on a monthly basis within 24 hours. I was also told that a family of XXXX with XXXX only XXXX spouse working, both adults bearing student loan debt, making only {$64000.00} with XXXX kids, a mortgage, and XXXX car payments aren't poor enough to qualify for income driven repayment plan. How is that even possible when we barely make ends meet, especially now with inflation and gas prices. The supervisor was absolutely zero help whatsoever and said the misinformation I kept receiving by EVERY agent I have spoken to is " unfortunate '' and those agents will need more training. Thats it! Apparently it's OK for them to tell you you're approved at a lower payment amount and that there are zero consequences when that information is completely and utterly wrong. Consumers rely on information given to them as accurate and truthful, yet there are no consequences or recourse for when that information is a fraudulent statement!!!! This company is an absolutely atrocity!
|
| 05/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
XXXX XXXX XXXX - ( Loan # XXXX ) : XXXX due to claim filed on XXXX XXXX. This loan was XXXX ( XX/XX/2021 ) due to death of my XXXX. I was due a refund Check that was mailed XXXX XXXX XXXX in the amount of XXXX to my home address.
On several occasions I contacted XXXX /aidVantage to inquiry about the refund and to see if the check had been mailed.
On XX/XX/2021 Per XXXX- Representative the Refund check was mailed from the U.S. Dept of Treasury . After several attempts and conversations with XXXX /aidVantage, they told me the check was mail and had no additional information.
After failed attempts with them I contacted by State - U.S. Representative - XXXX XXXX - Georgia 's XXXX District, speaking with her team, they provide a contact name and number - XXXX XXXX - XXXX XXXX x XXXX with aidVantage- and created a claim number - After contacting aidVantage I was informed the Refund check was cashed on XX/XX/2021 via a " mobile '' deposit to an account with XXXX bank, which I have no account with this bank..
Along with contacting aidVantage, I was informed to contact the IRS and XXXX Bank. Both IRS and XXXX Bank referred me back to aidVantage after they could not find the Refund check in their systems by both routing number and account number. Please assist with having the Refund check reissued. Thank you in Advance, XXXX XXXX
|
| 06/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
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My loans were forgiven through the public service forgiveness program. I am trying to have the payments that I made during the COVID 19 forbearance refunded to me.
My loans were consolidated XX/XX/XXXX with XXXX and were previously with XXXX. I consolidated with my fed loan XX/XX/XXXX. They did refund me the payment that was made after my loan was consolidated XX/XX/XXXX.
However, XXXX is telling me that I did not have loans with them from XXXX. I did and I made several payments to XXXX for these loans. Since my forgiveness, their loan information is no longer on the XXXX website.
However, XXXX was servicing this loan and payments were made during the COVID 19 forbearance that I am looking to have paid back to me.
Can you please assist me with receiving a refund of these payments made during the COVID 19 forbearance?
Since XX/XX/XXXX paid to XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total paid during Covid forbearance to XXXX {$11000.00} I asked for assistance through myfedloan.com and they said that a refund was issued to your bank account on file on XX/XX/XXXX. It was not. The bank does not have a record of this deposit with any of my accounts. I also think I would notice a deposit of {$11000.00}.
Thank you for your assistance, XXXX XXXX
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| 10/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I was in a post XXXX XXXX program and Aidvantage restarted their repayment programs secondary to the end of the XXXX emergency. For some reason they decided that I needed to repay although I was still in school through XX/XX/XXXX. I called and told them this and they said not all my loans were in deferment ( which is not true ) and it was my schools fault ( also not true ). I called and made a formal complaint via email. I received a less than helpful response today stating that customer service was looking into this matter. Not only was I in school in XXXX, I am now in a XXXX XXXX with XXXX XXXX and again, should not have to pay anything on my loans. I received a second email today stating that I was late on my loan payment. This is absolutely absurd. I called customer service this evening and sat on hold for over an hour until their offices closed. No one ever answered the phone. The malpractice and misleading practices are absolutely not okay. Even if I was not back in school I have a 6 month grace period where I do not have to pay. This is now showing as delinquent on my account and they do report to credit beaus. The lack of response needs to be dealt with and this servicer needs to be told that they can not service student loans in this matter. I need this fixed and I am sure I am not alone with this difficulty.
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| 10/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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According to the Dept. of Ed., based on the date I applied for SAVE my application ought to have been processed by now, and I should have a $ XXXX. payment. Aidvantage placed my account on administrative forbearance until XX/XX/XXXX to allow them time to process my IDR application, which Aidvantage claimed would be processed between XXXX XXXX, and a borrower incentive program suspension notice, meaning not only is interest accruing, but it's a much higher rate than before the forbearance in part because I lose the little interest reduction I got for using Auto Pay. I tried to make a manual payment to at least cover some of the interest, but instead get a 403 error. Since I started in XXXX I haven't been able to get in contract with an agent on phone or Live Chat ( both are equally as awful -- hours of being on hold only to be hung up/disconnected, and when I'm given an option for a call back I never get one ), and it takes anywhere between one and three weeks to get a response via email, which is just a blanket forum reply that doesn't answer my original concern. As of today, XX/XX/ XXXX XXXX I've been on the phone for over three hours only to have just been hung up on again. Are these loan providers just using this forbearance to keep interests accruing for all us borrowers that should otherwise have a $ XXXX. payment?
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| 10/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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I contacted Aidvantage by phone on XX/XX/XXXX and requested {$8900.00} in qualifying payments to be refunded as part of the Covid payment pause. The agent confirmed the amounts and said he needed approval but submitted it for me, saying to call back in 48 hours if I didnt see a change.
I called back on XX/XX/XXXX and the agent could see that I spoke to someone on XX/XX/XXXX, but said no approval request was made by them. She said she submitted it. After the call, I also sent an email to Aidvantage recapping the call and confirming the request. On XX/XX/XXXX, I received a response saying that this brand new agent JUST submitted my request for approval, meaning that it hadnt been done the first two times.
I checked back in via chat on XXXX, and the agent said they saw that it was approved by a manager and they would now process the request. I followed up on XXXX and confirmed via chat again that it was submitted on XXXX.
I have still seen no balance reinstated on my account, and have little confidence my request has made it to the right place. I know the staff is inundated with these requests now and are doing their best and I appreciate the help I have received, but had my original request been completed on XX/XX/XXXX, two days before the forgiveness announcement, I would have avoided this long wait and confusion.
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| 03/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I received an email from Aidvantage on XX/XX/XXXX that I have a payment of {$1400.00} due on XX/XX/XXXX. When I logged into my Advanage account it said that my loan payment was past due. I did not even get an email before saying that my payment was due, so now I have late charges and have to pay the amount. I've never been late making payments on my student loan. Why would I only get an email after my balance is past due instead of before? I called in and talked to rep XXXX XXXX. I told her what was going on and she said since I requested a refund the system will start charging me my balance and said that if I want my balance put in the COVID forbearance I need to tell them. I said that it was illegal for them to charge me fees and payments because of the forbearance and that it was still in effect. She apologized and put in my request and said that it would take 24 to 48 hours to take effect. So, I had to make a payment of {$1600.00} on XX/XX/XXXX to keep my account in good standing. I don't know how this could happen considering the payment pause has been in effect since XXXX XXXX XXXX -- three years ago. I was in forbearance before I was transferred from XXXX and at no point have I ever requested that it be removed. It even states in a big bold banner on Aidvantage 's website that we are in a forbearance period.
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| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
Servicemember |
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Im filing a dispute on my credit for a numerous of charges and accounts Im not familiar with such as and In accordance with the fair credit reporting act has violated my rights an acceptance now account for the amount of {$2100.00} opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX for the amount of {$790.00} opened XX/XX/XXXX, XXXX XXXX XXXX for the amount of {$570.00} opened XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX for XXXX amount of {$240.00} opened XX/XX/XXXX and XXXX XXXX XXXXXXXX opened XX/XX/XXXX. I also have 11 inquiries Im not familiar with such as XXXX XXXX date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquiry XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX and XXXX XXXX XXXX/AIDVANTAGE Total balance : {$21000.00} XXXX I am unfamiliar with all of the following transactions and would like for all of these to be examined and removed. 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
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| 05/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Incorrect information on your report
- Account information incorrect
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Web |
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per the FCRA as a federally protected Consumer I am now Opting out of ANY and ALL Authorization I the consumer may have giving you Written, Unwritten, and none verbal agreement.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
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| 05/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I called in to the servicer. I told them took out the parent plus loan for my son to attend XXXX XXXX. I went to tell them I have spent my entire working career working with non-profits or as a civil servant and that I recently lost my job because I became Ill with XXXX and hadnt enough time off to cover my absences. I was told great news and that the loan would be forgiven and was wiped out. We spoke for a little while longer and I believed that I no longer owed this debt. Unfortunately before we said goodbye my phone had lost it charge and disconnected the call. It was end of business, I was multitasking and I believed we were complete with all the things that needed to be done, so I didnt call back. A few months later I began receiving billing from the new servicer. I contacted them once and wasnt happy with the tone of the representative, so I ended the call. Im upset that I believed this debt was complete and now I am in an even worse financial position and Im unsure of my options. If there is anything I am able to or have a possible method to get this to closure I would appreciate the information. I understand if theres nothing. However, my hope is for some kind of resolution to ensure fair and honest business practice.
Thank you for your time.
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
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| 10/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Aidvantage sent me an email about my payments coming up. On XX/XX/23, I attempted to reach out to them about information and they did not answer after waiting forever over XXXX minutes. I called again and same situation. I wanted to understand what I needed to do. I did my IDR certification for my new income and was not given any information on that date. Yesterday, on XX/XX/23, on a XXXX, I get an email that a payment of {$450.00} is expected in 5 days when my previous payment was {$0.00}. I want to pay back my student loans but I am unable to handle a brand new {$450.00} payment that I have had no notice about. I have been unable to contact Aidvantage, they have not sent me any paperwork. The company has no customer service and their email us option does not actually even email them. They are directly misleading people and are unwilling to perform the work they are supposed to in servicing these federal student loans. A bank is not allowed to change your payment and then demand money within 5 days. The CFPB regulations themselves require at least 21 days. Why is this awful for-profit company that is servicing federal student loans not bound by the same laws that every other financial company is? And more importantly, why are they not willing to speak with me about any of it? I feel like they want me to default.
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| 10/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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I applied for teacher loan forgiveness. I believe it should have been granted. Then I applied for a forbearance. It was accepted. They then said that I applied for a IDR plan. I did not apply for it, I did a payment calculator. They then changed my plan to an IDR plan. I called and told them that I only wanted the forbearrance for one year and then I could make regular payments. They told me the issue was resolved. XX/XX/XXXX I get an email telling me that I need to resume payments starting in 5 days for the full XXXX dollars a month. I have tried to email and call about the issue and no one is getting back to me. Below is a list of the documentation XXXX Change in Loan Terms Change in Repayment Terms XXXX Your monthly statement is ready Monthly Statement XXXX An in-school deferment has been applied to your account Deferment Request Approved XXXX Change in Loan Terms Change in Repayment Terms XXXX Your IDR plan has been approvedDetails on your newly approved IDR plan XXXX Change in Loan Terms Change in Repayment Terms XXXX Your forbearance has been approved Forbearance Request Approved XXXX Here 's your forbearance form Forbearance Request XXXX TLF Application Denied Teacher Loan Forgiveness Application Denied ( should have been accepted ) XXXX TLF Application DeniedTLF Application Denied - Corrections Needed
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| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/2022, I received a credit alert from XXXX XXXX XXXX that Aidvantage reported a new student loan onto my credit file. That same day I also received a credit alert from XXXX that Aidvantage also reported that this same student loan 's previous " credit limit '' was {$10000.00} however the " credit limit '' was " reduced '' to {$4100.00}. Due to the incorrect information being reported by Aidvantage ( reported this student loan account as having a credit limit ), this decreased my credit score with XXXX substantially, by almost 20 points when the " credit limit '' was " reduced. '' A telephone number was provided on my credit file for Aidvantage ( XXXX ). When I called this number, an automated system let me know that this number was to verify employment with federal workers. Not only had Aidvantage incorrectly reported information on my credit file ( reported a student loan with a credit limit ), it also lists an incorrect telephone number to get a hold of this student loan servicer. I then looked up Aidvantage 's telephone number online and spoke to several reps, including a manager who hung on on me. The reps told me to send in a written dispute, however, did not give me any information as to where it should be sent. They also refused to give me their credit reporting department 's telephone number.
|
| 04/01/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Describe what happened, and well send your comments to the companies involved.
Include dates, amounts, and actions that were taken by you or the company.
Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.
I consolidated my loans twice, simply to be able to make one payment a month instead of multiple payments. The first time they mistakenly did not include all the loans, they admitted it was their error and so I initiated a second consolidation. None of the many people I talked to made me aware that my repayment time period would be extended due to the consolidation. Today, that information is clearly displayed on their website but years ago it was not clear or disclosed. If I had been made aware of this, I would not have consolidated my loans. Had I not consolidated and just continued making many separate payments each month instead of one, I would be done with my loans in five years instead of 11 years from now. Their failure to be transparent and provide complete information equates to six additional years of payments from me which is an undue burden and financial hardship. This is unfair. The servicer at the time was XXXX but it's now Aidvantage.
|
| 12/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Servicemember |
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I have Spousal Consolidation Loan that was serviced by XXXX for over a decade where I applied for the PSLF/TEPSLF under the limited waiver. Until last week, I did not receive any information about my application until I submitted a CFPB complaint asking for a status of the loan. I'm a co-signer on the loan. This should not limit PSLF forgiveness because the President of the United States signed a law that allows for these loans to be split and also forgiven under the PSLF program.
XXXX did not forgive my portion of the spousal consolidation loan and instead stated that the loan was transferred to a new servicer, AIDVANTAGE in early XXXX. AIDVANTAGE does not have any information in their system about the loan. The loan still shows as being serviced by XXXX on the Department of Education Website.
The primary signer on the loan and I divorced in XXXX, XXXX. I want the loan separated back out according to the law that the POTUS signed last fall. I also want my portion of the loan forgiven through the PSLF program since I have met all the requirements for this. I have been serving in the U.S. Army since XXXX of XXXX and have applied several times for forgiveness through this program. I'm also ONLY concerned about the spousal consolidation loan for the program ( not my graduate loans that are zeroed out ).
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| 09/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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XX/XX/XXXX I got confirmation that I successfully applied to the XXXX income based repayment program.
I spoke with my loan issuer AIDVANTAGE on the phone and they said we may have recieved your request but not yet processed it I tried calling a few days after with similar responses. They told me on was on forebarence until XXXX which i stated that I wasnt supposed to have interest charged on my loans based on the XXXX program.
This was ignored and they continued to charge me interest. I have self certified income multiple times throughout the month of XXXX to no avail. On XXXX XXXX I sent written instructions to the servicer.
This was also not responded to and ignored by the student loan issuer who continues to charge interest on my loans and ignores my request for the income based repayment based on the XXXX program.
I have tried countless times throughout the last month and I would do anything to get this process moving in the right direction and the interest that has accrued so far to be taken off my student loan balance.
My income is EXTREMELY low and I do not have enough to make ends meet in my household at this time. Please help me with my case, and clarify to AidVantage student loan issued that interest should not be accruing beyond the original loan amount with where my income is.
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| 10/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
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Web |
Servicemember |
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I was on AidVantage 's website and attempted to change my payment plan to lower my payments because these are parents loans for my son and he was going to be making the payment. The website prompted me to submit my income to lower my payment even though I suspected that would not be the case. I assumed I could see what the IDR amount would be and then select the plan I wanted. Instead I was locked into a payment that was 2 times higher than the previous payment. I have attempted to contact by email twice with no response, called 4 times and was on hold for no less than 2 hours each time. I spoke to one person who did not help at all and kept telling me I have no other options. I requested a call back on their website for XX/XX/XXXX at XXXX and the system did call, but the minute it went to transfer me to an agent the call disconnected. I called back and waited on hold for 1 hour before hanging up. I attempted to request another call back and their system could not pull up the available times.
At this point, I have had to put my loan payments in forbearance to stop the payment until they response to change my payment plan. The loan is gaining interest that it should not be because they are not available to resolve my issue which should be a very simple fix that I have done several times in the past.
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I told the XXXX to reinvestigate these accounts : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
|
| 06/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
|
In XXXX I had set up a FORBEARANCE for my student loans with XXXX. They had told me about a program they hard that would base my monthly payment from my income. So I agreed to the program, and they told me to fill out the information for the program from a package they were going to send me in the mail. Months had went by and I continuously called the customer service telling them about the packet that had not came in the mail. They kept telling me to remain patient and that it would be there. I didn't receive the packet until the summer of XXXX. After I filled out the packet and returned it back to XXXX I was accepted into their program. The problem that I have is on my credit report there are two times, XXXX of XXXX, and XXXX of XXXX, that both show 90 days late payment and that is false information. I was continuously on FORBEARANCE until I was accepted into their income program. I first called XXXX about this and they agreed they would make the necessary changes and never did. Now recently they gave my account over to a different company, DEPT OF ED/ AIDVANTAGE. I contacted them about this situation, and they have refused to honor what I was promised by XXXX. I have wrong and inaccuracies on my credit report and it is hurting my credit score, and they are not doing anything to fix this wrong.
|
| 08/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I am writing to resolve a bona fide dispute which is ongoing since XX/XX/XXXX. After requesting the original instrument of indebtedness in its original form, I received no confirmation that the as of yet unnamed real party in interest is in possession of the original instrument or that it even still exists. Neither the holder in due course, nor possessor in due course with rights to enforce the instrument, has been brought forth or otherwise identified, making it impossible for me to have informed use of my credit in the supposed consumer credit transaction ( s ).
In my good faith attempts to settle all controversy at arm 's length and without judicial intervention, I tendered an instrument with ample notice of my intentions to discharge the alleged obligations.
The purported servicer accepted my money order of {$100.00} from XX/XX/XXXX, with a restrictive endorsement stating " Negotiation of the instrument signifies satisfaction of all claims. '' The purported servicer reported {$100.00} of payment for the alleged loans and failed to send me notification of the satisfaction of all claims with the removal of all items of information furnished by them from my credit reports.
On XX/XX/XXXX, I received an email from Aidvantage claiming that I owe the payment amount of {$590.00} on XX/XX/XXXX.
|
| 10/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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On XX/XX/XXXXXXXX I received a letter from Aidvantage via email that my student loan was forgiven based on an IBR plan forgiveness plan ( letter is attached ). The forgiveness was backdated to XXXX and I was told I would be receiving a check for any amount paid since XX/XX/XXXX in the amount of {$7400.00}. I was told a payment had been processed as of XX/XX/XXXX, and that I would be receiving an overpayment refund check in the mail " within days. '' It is now XX/XX/XXXX and I have yet to receive the funds via check and have since called and gotten no updated information other than the check is in the mail, and there has not been any information offered about how to track or check the status. There have been inconsistent messages given from the few reps I have talked to about the status of my refund. The last rep I spoke to said the check would be coming from the US government ( " within days '' ). I also contacted Federal Student Aid and they were even less helpful, stating that the refund check would come through Aidvantage. I am frustrated that I can not find a correct answer to the question " when will I receive my check '' or a status update from either of these organizations. The attached spreadsheet notes that payments to me have been " reversed '' however I have not received any money.
|
| 09/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
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Web |
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I have been trying to pay my student loans off. I recently took a personal loan from a family member and made a large payment for the full amount owed to Aidvantage, but the balance continues to grow by about {$100.00} each day. I have continuously tried to reach customer service to find out what is going on. After waiting on the phone for an hour ( during my work day ) I finally got a human on the phone. They said the loan had been repaid, that the payment was still processing, and the additional interest charges will be removed. This is not true though. A few more days have passed since I confirmed this. Two days ago the balance was paid off. The money, however, has not been taken out of the account I paid from. So I went online to check again and the balance is back up to the previous amount plus a few hundred dollars interest. There is no email address for me to contact and no one to talk to unless I am able to sit on the phone for an hour and a half during my work day. I don't know what to do to get the loan paid off and am extremely frustrated that they are not providing me with any information on what is going on with my payment. It seems clear to me that they are purposely avoiding human contact with student loan borrowers and doing everything possible to keep me paying them interest.
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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Hello, I recently received a response to a dispute that I made under FCRA 611a regarding questionable and inaccurate items ( s ) around XX/XX/2023, on my credit report. I was confused when I learned you somehow " verified '' the disputed items, and they are still on my credit report. Can you confirm how this investigation was conducted and what the XXXX was that was used? I am not disputing this again ; I'm specifically asking for the method of verification for the below.
As you know, in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ), the courts ruled each and every time that the XXXX couldn't merely " parrot '' data from the creditors and collection agencies ... that were required to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the creditor and collection agency in question. Sending out a generic form through the XXXX system for the dispute is not reasonable! Please FULLY validate with details on how you verified this ( names of people you spoke with and contact numbers ). If you are unable to do so, DELETE THIS ACCOUNT off my credit report forever, or I will gladly escalate to the CFPB and have my consumer protection attorney file court proceedings.
Thank you and I sincerely look forward to your response.
|
| 11/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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CFPB I thought you created laws to protect consumers? I do not feel protected. Aidadvantage ( my student loan providers ) are allowed to disregard the consumer laws. I've asked them several times to removes transaction placed on my consumer report that I did not consent. I am writing to request the following information that appears on my XXXX, and XXXX report be removed from my consumer report : 1. XXXX # XXXX 2. XXXX # XXXX 3. XXXX XXXX XXXXXXXX 4. XXXX # XXXX These account are reporting multiple times on my consumer report, they can not report the same account multiple times on my consumer report, also these accounts have been deleted from my XXXX report however, when I have reached out to XXXX and XXXX I was told these accounts were verified. How when one CRA deleted the information. XXXX was supposed to contact the other 2 CRAs with a carbon copy on the deletion so they may remove the accounts to ensure accuracy of my consumer report. That was not done and in violation of my consumer rights.
Aidadvantage has abused their billing practices and are in violation of my consumer rights. They are willfully non compliant to the consumers laws that are supposed to protect me this is discrimination and unlawful billing practices and they have caused damages to me and my families ' livelihood.
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| 05/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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According to the FCRA account # XXXX DEPT OF ED/XXXX Has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
|
| 11/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
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I take my credit very seriously and set up autopay with Aidvantage early on, before the forbearance ended. Received confirmation on XX/XX/ that my payment was received then several days later I received a notice that my account was overdue. I could not figure out what happened. Eventually I found within my account that my payment had been reversed. I tried to make a separate larger payment and then the same thing happened. I then deleted my banking information and re added it thinking I could have entered my account incorrectly or something. But yet again after it processed I received a thanks for your Payment email but then found it was reversed again. Im very frustrated because I feel Im being unfairly charged interest/fees when Im just trying to pay. I also want to take advantage of the .25 % interest reduction for autopay. Lastly I have mailed a check and hopefully it will work. This is the same bank account Ive had for decades I recently had autopay on a car loan and use it for credit cards and it was even the same one that I had for fed loan for the same loans before all these serviced charges happened. This is pretty ridiculous and causing me undue frustration.
I have tried calling and just witnessed a long wait and never talked to anyone. I emailed and never got anything back.
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| 04/20/2022 |
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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I received financial aid through the form of title 4 grants. I withdrew from my classes and was requested to return the financial aid. I contacted my schools financial aid offices and they advised me everything was in good standing and that the repayment would be taken care of with the following semesters disbursement of funds. They then referred my overpayment to the Dept. of Ed for repayment, there was no mention of this prior, there was also no mention of it becoming a collection/derogatory mark on my credit report. I don't believe my school notified or educated its students properly when dealing with these matters. I never received any communications by phone or by mail, they were only sent through the schools email. I believe with the severity of this incident the school should have done more to notify me, the student, of this situation and how to rectify it prior to completely damaging my credit. I believe there was negligence among employees and administration when handling these matters, there need to be more protocols in place. A school is supposed to be somewhere for people to learn and grow but in this teachable experience, all that happened was the laziness of the staff in terms of notifying me and the complete lack of care when it came to my future regarding my credit.
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| 02/26/2022 |
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
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Web |
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I have been in communication with XXXX, XXXX and XXXX and DEPT OF EDXXXX in multiple reports to point out an error that has been reported on my consumer report. Derogatory remarks have cost me the ability to extend my credit, getting denied for credit and had substantial injury for years over this false reporting.
I have 7 paid in full accounts with DEPT OF EDXXXX. On my consumer report, it states that I had a 90 day late payment in XXXX of XXXX. I asked for XXXX and DEPT OF ED/XXXX to please provide evidence that I was ever late for a payment. In XX/XX/XXXX, my accounts were all in good standing and then in XX/XX/XXXX, it states I have a 90 day late payment. This is impossible in 30 days to have a 90 day late payment.
In the last updated report # XXXX which was first started in XX/XX/XXXX and again in XX/XX/XXXX ; I sent in evidence and clearly identified the error. ( attached ) During this dispute, XXXX, XXXX and XXXX did not remove the 7 accounts during verification, which is a direct violation under the United States codes of Debt collection practices in Title 15.
I have pointed out the clear error. I am asking that all 90 day late payments be deleted from all consumer reports. All accounts should remain as they are paid in full with 100 % on time payments from each account.
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| 08/03/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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Maximus Education , LLC dba Aidvantage has violated my privacy rights with aggravated identity theft. I have the right to opt out of non-affiliated third-party reporting. I can not be forced to waive my rights as a condition of 15 USC 1693I. Maximus Education , LLC dba Aidvantage must disclose my right to opt out and has committed fraud, which has no statute of limitations. Since the Maximus Education , LLC dba Aidvantage committed fraud, I have the right to rescind my signature, which nullifies the contract ( or rather it was void ab initio ).
VIOLATIONS - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 In addition to my demand to remove ALL accounts, I am seeking {$18000.00} in damages due to the MULTIPLE violations for each account that you have acted on. Please see attached. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health.
As stated above, Maximus Education , LLC dba Aidvantage has violated me with aggravated identity theft.
Maximus Education , LLC dba Aidvantage has within FOUR DAYS to remove ALL accounts from ANY and ALL consumer reporting agencies.
THIS IS NOT A REQUEST TO DISPUTE! THIS IS A DEMAND TO DELETE PER MY RIGHTS!
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| 10/31/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
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Web |
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My student loan servicer is Aidvantage.
I have submitted multiple rounds of paperwork to switch my payment plan to the XXXX plan, which I qualify for. I submitted my most recent tax return, as well. It has been months since I sent the submissions, and they still have not updated my payment plan to the XXXX plan. All the while, my loans are showing as past due while collecting interest.
Now I am trying to contact them via phone, and they are clearly intentionally blockading all incoming calls from borrowers under the guise of being overburdened. I have tried calling them numerous times during their hours of availability, and every time I am met with a robotic voice that tells me they are too busy to take calls. There is not even an option to wait for a representative. It just skips to the robot voice giving me irrelevant options, which are the only options.
I simply can not make meaningful contact with this company. What am I supposed to do, file a lawsuit? Why hasn't the government taken care of this? Is it intentional? Is there a certain branch of the government that is trying to intentionally blockade borrowers from switching their student loans to the XXXX plan? What else could it be? Isn't the company vetted by the government to be a quality service provider?
|
| 10/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
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Aidvantage is acting in non-complaince with the CARES act and exercising willful negligence.. I am having issues communicating with Aidvantage. I called multiple times during different times of day to both the general customer service number, XXXX, and the XXXX XXXX number, XXXX. Both times I was put on an automated hold and waited for 5-15 minutes before I was hung up on and an automated service told me to leave a name, number, and the name of the specialist I was looking to speak to. This is obviously being done intentionally to stall out this process longer. I submitted my refund request in XXXX, XXXX weeks ago, and I am looking for answers. I do not have a refund, and my loan balances on my Aidvantage and XXXX home pages have still not even updated. I have a letter stating that my refund was submitted by Aidvantage on XX/XX/XXXX so why hasn't there been an update? I want Aidvantage to update my loan balance to reflect my amount being refunded, {$18000.00} within the next 15 days. I want Aidvantage to confirm that my request was fully processed and submitted to the XXXX, as well as the date it was submitted to the XXXX. I want Aidvantage to escalate and expedite my case in order for the XXXX Treasury to deposit my refund ( {$18000.00} ) no later than XX/XX/XXXX.
|
| 06/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Sometime this year ( XXXX ) my Student Loans were transferred to XXXX XXXX Aidvantage. I noticed that I had several small loans showing for the University XXXX XXXX, which I attended in XXXX. The small loan add up to around {$26000.00}. I knew that could not be right. So today, XX/XX/XXXX, I contacted the University XXXX XXXX. The registrar confirmed I attended only one Semester which was fall of XXXX. The Bursar confirmed the same thing. Per the Bursar, the total amount of loans I took out was {$1300.00} or around that amount. I then contacted the Financial Aid office. Per Financial Aid, the total amount of loans I took out was around {$6000.00}. None of the figures the University XXXX XXXX presented to me, totalled nowhere near {$26000.00}.
Per the University XXXX XXXX, I was told to contact the Servicer. But the Servicer, Aidvantage, has been unavailable. The calls just disconnect and go straight to the survey. No one ever answers. Its been that way for some time. I need Aidvantage to remove the extra loans they show from the University XXXX XXXX. These loans are inaccurate.
I also highly suspect that previous to the University XXXX XXXX I had schools that overcharged me or that submitted duplicate loans. I need all of these loans corrected and or removed.
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| 11/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
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Web |
Servicemember |
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In XXXX of XXXX, I contacted Aidvantage to see what I had to do to resume my payments. When it was XXXX, I had to temporarily halt my payments. I tried to resume, and Aidvantage ( over the phone ) told me to wait until XXXX. I called in XXXX and asked what the payment amount would be, and they said they were waiting for government information. In XXXX, I obtained a job at a {$6.00} per hour pay cut, and requested a look at my repayment plan based on my changed income. I applied twice on line - I kept getting texts that my payments would be nearly {$200.00} a month, which I can't afford at this time. I called in late XXXX and was told it would be {$99.00} a month. This week, I received a text that my payment of nearly {$200.00} was due XX/XX/XXXX. I again applied for an evaluation based on pay, with no response. I tried calling today ( XX/XX/XXXX ), and reached a message saying their office was temporarily closed and no date of reopening was available at this time. I also tried to schedule a callback on their website, and all of their dates and times are blacked out. The dept of Ed had no knowledge of this and could not tell me what I could do. I will be officially defaulted on XX/XX/XXXX. I do not feel comfortable sending a company money that I can not contact.
|
| 11/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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In XXXX I was notified that the student loan freeze was ending and to go to Aidvantage ( the new carrier of my loans ). I went to their website, logged in and saw my loans. At the top of my account summary, there was an alert stating to renew my Income Driven Repayment Plan ( IDR ), although my current plan was not expiring until XX/XX/XXXX ( approx {$350.00} payment ). I submitted the application and was given a new payment amount of {$790.00} per month and that my old payment plan was no longer in effect. Instead of the new payment plan beginning in XX/XX/XXXX after the current plan expired, they just replaced the plan. Additionally at the beginning of XX/XX/XXXX, I logged into this account and checked my AutoPay status. There was no Autopay listed and no bank account listed. On XX/XX/XXXX, My bank account was debited {$790.00}. I called asking why they debited the money, and they explained that the autopay carried over from the previous carrier. I never received an email or phone call notifying me of this renewed auto pay and I never received an email or phone call stating that {$790.00} would be taking from my account on XX/XX/XXXX. This caused me to go into overdraft and upon asking Aidvantage to return the payment, they said it will take upto 60 days.
|
| 05/03/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
Servicemember |
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I attended XXXX XXXXXXXX XXXX XXXX XXXXXXXX in XXXX, MO.
XXXX XXXX used preditory methods to get me to join. When applying for financial aid I was told I was eligible for it all to be paid in grants. I was misled by the recruiting office that told me that even though I had a felony that I they were 100 % confident they could get me a job placement They falsified career placement status.
I never received job placement services. The instructors also passed you in the class weather or not you passed the test.
Also, as a result of their practices, the college has filed bankruptcy and has shut down permanently. I am unable to obtain any transcript or diploma that I have received. Therefore I am unable to prove that I attended a college or show any degree completion. I am also unable to put down on a resume that I. completed the college because all employers, especially in the legal field in which I went to school for know that XXXX XXXX have been sued and is permanently closed. Employers don't take it seriously. I am unable to use and show the " education " that I allegedly received. I wouldn't even signed up if they didn't promise job placement and tell me that I was eligible for grants.
Thank you for your time. Please help me with this financial hardship.
|
| 04/26/2022 |
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
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|
Web |
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I filed a dispute on my student loans ( AidVantage ) with XXXX and will be doing so with the other credit bureaus. They did not fix the issue. I was still in college in XXXX and graduated in XX/XX/XXXX. XXXX reported that a late payment in XXXX which I was in a grace 6 months after graduating and reported several in XXXX. I was in forbearance in XXXX as my mom had XXXX and even shows on their own documentation that I was in forbearance in XXXX. XXXX did not fix this issue and when I called AidVantage they said they seen this but I would have to dispute it with the credit bureaus. It's ridiculous that I even have to do this to get this off of my credit report. XXXX made a lot of mistakes and has been sued for those and this is one of their mistakes that needs corrected. If I have to get an attorney to get this fixed I will. It says right on the paper work from AidVantage that I was in grace and forbearance during these times. I will also being sending this complaint to the Department of Education and some other folks to look into this.
Grace- XXXX Administrative Forbearance- XX/XX/XXXX through XX/XX/XXXX Administrative Forbearance- XXXX XX/XX/XXXX Admin Forbearance - XXXX XX/XX/XXXX Disaster Forbearance XXXX Voluntary Forbearance XX/XX/XXXX - XX/XX/XXXX
|
| 11/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
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I received an email that my loan payment was late for XXXX for {$160.00} and I had a new loan payment if {$160.00} due for XX/XX/. I paid the balance of {$320.00} on XX/XX/ and received a confirmation email stated payment was received and on XX/XX/ received an email stating payment was posted. On XX/XX/ I received 7 emails stating my payment is past due for the same dates and amounts and that my payment was reversed because back rejected due to no account found. I contacted my bank and asked why and they stated they never received inquiry about this transaction and they did not denied payment to be made. On XX/XX/, I contacted Aidvantage and the representative stated it was reversed due to bank not accepting payment. I informed them what my bank stated and the said it might have tried to come out of savings. I told them it was processed, confirmed by Aidvantage and posted. I informed them I have contacted the Department of education and filed a complaint and that my payment needs to be accepted and not reversed again as they are trying to add more interest and that I am aware of others that have had the same issue. This loan provider is fraudulent and needs to be held accountable. I never had issues with XXXX XXXX and wish someone else was my provider.
|
| 04/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
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I consolidated my federal student loans in XXXX. At that time I owed approximately {$100000.00}. I was on forbearance until approximately XX/XX/XXXX. I then selected what I thought was the 10 year accelerated repayment plan. This plan provide that I make a set payment amount for 10 years to pay the loan off in full ( without forgiveness ). The payment amount was {$780.00}. When the loan switched to XXXX servicing, the amount was changed in XX/XX/XXXX to $ XXXX. I paid that amount until XX/XX/XXXX when the loan went on hold due to XXXX. My servicer was switched from XXXX to Aidvantage in XX/XX/XXXX. At that time, they sent me a solicitation to explore repayment options. I look at it and by looking at the option, they switched my enrollment to an income base plan. At at time, I should have had approximately 3 years left on my repayment plan. I called and told them to switch me back to my plan. They said they could not unless I reject the XXXX forbearance but when it is over they will switch me back. I called today, XXXX XXXX when I reviewed my account and it says I owe $ XXXX with a payoff date of XX/XX/XXXX. They told me a 10 year option never existed which is untrue. I have paid in approximately $ XXXX and now owe more money then when I consolidated.
|
| 11/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I'm a member of the class action lawsuit Sweet vs. Cardona. On XX/XX/, I received notice that my loans would be forgiven and that I would receive more information regarding forgiveness in the coming months. On XX/XX/, I received a payment plan for the loans that are a part of the lawsuit and are set to be forgiven. On XX/XX/, I noticed that my loans were no longer in forbearance and that the loans showed they were in repayment. I emailed Aidvantage regarding this and never received an email back. Then on XX/XX/, I called Aidvantage to see what was going on, to which the Rep, XXXX, mentioned that they didn't know why this was happening and that the account would be placed on hold. On XX/XX/, the account still shows a payment date and that the forbearance is ending. I want to understand why the US government allows this company to continue to defraud people. And why I haven't received my relief, refund, and credit reconciliation, as the date for when the lawsuit terms should be fulfilled is quickly approaching. Do your job and protect defrauded borrowers who have suffered enough from this horrendous mishandling. This company is not fit to handle federal loans, and the government already knows this, but it continues to fail millions of borrowers daily.
|
| 10/05/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
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I contacted Aidvantage on XX/XX/XXXX asking for a refund on all loan payments made from XX/XX/XXXX until that day.
I was told that my refund would be processed immediately - I should see my new balance in my account within 2-3 weeks and could expect the refunded amount to be deposited to my checking account shortly thereafter.
The approximate time given had passed and the refund had yet to be processed. So on XX/XX/XXXX I called customer service back asking for an update on my requested refund. That day, I was told that my loan request had been submitted on XX/XX/XXXX and was still waiting to be processed. I was given a new adjusted timetable of 4-6 weeks time to allow for processing.
The 6 weeks has since past and no movement on my refund. So today, XX/XX/XXXX, I called Aidvantage once again asking for another update on my refund. I was told that my refund was still waiting to be processed and that I should expect processing to occur within 6-8 weeks. I asked the representative for the date in which my refund was approved and they stated XX/XX/XXXX.
I have been told differing information each time I have called Aidvantage and have never received a confirmation number or email with confirmation - even though I have requested multiple times.
|
| 11/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud said company had 4 days according to the law to remove such items. FTC fraud report on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an XXXX report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing for 211 treasury omb forms to audit consumers account.
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
|
| 09/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
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Web |
|
|
Called AidVantage XX/XX/23 and requested Sixty-day payoff amounts on ( 3 ) Parent Plus loans. Was told by CSA that he " didn't know what a sixty-day payoff letter was ''.
Called AidVantage XX/XX/23 and requested Sixty-day payoff amounts on ( 3 ) Parent Plus loans and the CSA understood my request and agreed to send the letters.. We received ( 2 ) of the ( 3 ) payoff amounts on Saturday XX/XX/23. *but did receive a payoff letter for a fourth loan that had been paid off years ago and showed {$0.00} balance?
Tried to call AidVantage on Monday XX/XX/23. First call-on hold 45 minutes without talking to a human, gave up. Second call 42 minutes without talking to a human, gave up.
Called AidVantage XX/XX/23, 42 minutes on hold before getting to talk to a human, and explained that we had only gotten ( 2 ) of the ( 3 ) payoff letters and the CSA agent stated that her system indicated the request was made but she could not explain why it hadn't been sent and she would make sure that it was sent within 24-36 hours.
Today is three days later and no response. Our refinance vendor is pushing for the information and if not received in time will have to reapply and will require another credit check on me. AidVantage is PREVENTING me from refinancing my loans,
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit score decreased from XXXX to a XXXX for incorrect information that was added to my XXXX credit report. It now states that I owe {$33.00} dollars which is most definitely incorrect information added onto my credit report by XXXX & that is absolutely Innacurate. The {$33.00} was a payment I made with my XXXX XXXX XXXX credit card towards one of my bills, and instead its showing as a debt I owe on my credit report. And for this silly error done by XXXX my credit score was reduced and decreased by XXXX points unnecessarily due to XXXX error. I need this fixed asap please. And I want my score back to the XXXX I had. Ive been paying off my student loans and its definitely not being correctly or accurately reported to none of the three credit bureaus by AidVantage. My credit score should not have been reduced by XXXX points by XXXX. If anything it should have increased instead. My current total correct balance for my student loans is {$3300.00}, and its not being accurately reported to any of the three credit bureaus by AidVantage and the wrong amounts/balance ( s ) are on all three of my credit reports with all three major credit bureaus XXXX, XXXX, and XXXX. I need this amount updated on my credit reports with all three credit bureaus please.
|
| 12/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I do not remember the exact dates, but what happened is : As Aidvantage took over my student loans, they told me my payment was going to be {$170.00} a month. I paid that original amount, then asked to switch to SAVE. I was told the monthly payment would be {$55.00}. The following month, Aidvantage showed that I would owe over {$800.00} that month and every month following. I chatted back in and they said they would resubmit the calculations and again stated {$55.00}, my account was put into forbearance ( still accruing interest of course ), I checked back in a week or two and my payment was still over {$200.00}.
I began to chat back in to get this taken care of, but the chat service showed that the agents were disconnecting the chat as soon as it was answered. This continued on until the end of their business day.
I chatted in again today and they confirmed the payment should only be {$55.00}. They said they confirm that that number is correct, but will send up a request for investigation/research on why this issue continues to happen. For now, I am stuck paying {$230.00} auto-debit because they can't seem to get this right.
Being unable to reach anyone consistently, seeing large balances, especially {$800.00} balances, is very draining.
|
| 12/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
XX/XX/23 - Call Aidvantage customer service to get a refund on my negative account balance. Agent tells me that the loan is paid off and does not exist anymore. Tells me to call university.
XX/XX/23 - Call Aidvantage again to request refund on the negative account balance. Representative tells me that I shouldnt worry because my loan is paid off and to tell the school I dont owe them the money.
XX/XX/23- University tells me that since the loan was cancelled and they paid the loan company, I needed to request the funds from Aidvantage to pay them.
XX/XX/23 - Another call to Aidvantage. Representative again tells me not to worry about it when I repeatedly say that I need the money to pay back my school for the cancelled loan. I clearly have a document on my account that shows a negative account balance. I am getting extremely frustrated at this point.
XX/XX/23 - Call Aidvantage again in the hopes of getting someone who knows whats going on. Representative says they are requesting a refund.
XX/XX/23 - Have heard nothing. No confirmation of anything. I guess I am just supposed to wait without knowing if anything actually happened. I need that money to be able to enroll next semester otherwise they will block enrollment for owing thousands.
|
| 11/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Aidvantage is has recently taken over my Federal Student loan payments and it has been a stressful situation. I paid on time XX/XX/XXXX {$100.00}. I received an email payment has been received. Weeks later I received an email my loan payment is late. I check my aidvantage account it stated reversal. My bank account has the sufficient amount of money. Icalled multiple times waited hours on the phone during my work day 2 hrs. I never get through to anyone as well their operation hours are normal working hrs no extension XXXX etc. On XX/XX/XXXX I paid {$200.00} XXXX ( repaying ) and XXXX payment ( my due date is XXXX ). I paid to ensure no default because I am on an income base repayment plan. As of today it states I no longer can be in the program because I have defaulted on my loan. I always pay my loan payments with previous owner of my loan monthly prior to XXXX. This impacts my credit and my life circumstances. Aidvantage is taken advantage of their consumer to create more interest and higher payments when default on income payment plans.
I have sent two emails XXXX no response and XXXX I do not know why the banks states reversal when I have sufficient funds and the Bank information is correct.
Pleased support in this matter at best.
|
| 01/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
In XXXX of 2019 just after my grace period ended, I called my student loan provider, XXXX to learn more about re-payment plans and what option is the best for my financial situation. Based on my conversation with the XXXX Customer Service Representative, I began making monthly payments of {$400.00} which I've done consistently since my first payment in XXXX of 2019. At the time and still today I work for a qualified public service agency ( city and county government ) but was never informed of the Public Service Loan Forgiveness payment plan option which I later found out is a plan that relieves your outstanding balance after 10 years of consistent monthly payments. If I was aware of this option I would have taken it immediately. It would mean that I would have paid lower monthly payments for the last 3 years and I could have contributed those three years of payment towards the 10 year commitment required by the Public Service Loan Forgiveness program since I plan to work for the government for that duration of time.
Additionally, I could have been saving the extra money I've been spending on my loans, as encouraged by XXXX 's Customer Service Representative, towards other living costs like food, gas to get to work and medical expenses.
|
| 11/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I hope this letter finds you well. I am writing to bring a serious matter to your attention concerning the unfair and deceptive practices of AidVantage in relation to my student loans.
I am currently enrolled in a full-time graduate program, and as per the regulations, I should be exempt from student loan payments during this period. However, AidVantage has continued to charge me, causing significant financial strain and stress.
Attempts to contact AidVantage have proven futile, as their customer service is virtually unreachable. This lack of communication impedes my ability to resolve the issue and obtain the necessary information regarding my account.
Furthermore, it appears that AidVantage is engaging in coercive practices by ignoring legitimate requests for assistance. Such conduct raises serious concerns about their commitment to ethical and transparent lending practices.
I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly to ensure that AidVantage rectifies their practices and adheres to all relevant laws and regulations. Additionally, I urge the Bureau to implement measures that hold AidVantage accountable for their actions and protect the rights of students and borrowers.
|
| 02/23/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
XXXX purchased my public student loan in XXXX. Since then, I was poorly advised to file for forbearance over and over and over again. I could have made smaller payments but they inaccurately advised me to continue my forbearance. Now, under the new waiver, I would have qualified for public service loan forgiveness as I have been a teacher for several years since graduating in XXXX! This is a major issue that is effecting thousands of borrowers. We are doing everything in our power to make our lives all that they can be to take care of ourselves and our families and companies like XXXX do not hesitate to take advantage of anyone they can! Its absolutely sickening that so many people have been dealing with debilitating circumstances because of crooks like XXXX! People deserve to be able to live their lives, not be put into situations to literally limit their livelihoods! Most people I know have a student loan story and some aspect of their life has been negatively effected, as in purchasing a car or home, or acquiring credit. The Department of Education is responsible for overseeing this circus that student loan management has become. I hope for humanitys sake someone helps all of us who have been wrongly persuaded into forbearance.
|
| 03/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
ATTN : CFO XX/XX/2022 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, and XXXX consumer report, and I noticed some late payments posted on my consumer report : Dept of Ed/Aidvantage XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Aidvamtage ) Making the report is not INCLUDED on my Consumer report!
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
|
| 11/14/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I requested a federal student loan refund from Aidvantage, my federal student loan service account, on XX/XX/2022. I was told over the phone when I requested the refund the entire process would take 4 to 6 weeks, with 6 weeks being the maximum amount of time it would take to see the refunded money deposited into my bank 's checking account. I requested the refund to get money back from payments I made during the COVID-19 pandemic, during President Biden 's pause on student loan payments. It is know XX/XX/XXXX, more than 2 months ( XXXX weeks ) from the date I requested the refund. I have called Aidvantage customer service multiple times, and I keep getting different information. They tell me the wait time is now 10-12 weeks. Another representative told me it's out of their hands and there's nothing they can do for me. A third representative told me my request has been processed, but it's up to the treasury department now. I told them I was initially told 4-6 weeks of processing time when I first made the request, but they said that's changed now and could not help me. The refund I requested is just over {$5000.00}. This money should be back in my bank account by now and it's extremely frustrating this process is still ongoing.
|
| 11/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have all of my student loans with Aidvantage. On XX/XX/XXXX I signed up for Auto pay and received an email confirming that they had received my auto pay request. Then on XX/XX/XXXX I submitted a payment of {$500.00} to pay for my balance and some extra principal interest. I received an email stating " This email serves as confirmation of your payment. Please save for your records.
Payment Confirmation # : XXXX Amount : {$500.00} Scheduled for : XX/XX/XXXX '' Then on XX/XX/XXXX I received a separate email stating : " Your recent payment has posted.
Date Posted : XX/XX/XXXX Payment Amount : {$500.00} '' I then went on to receive XXXX emails redirecting me to my inbox with letters stating that my payments were rejected. " Your recent payment in the amount of $ XXXX was rejected by your bank because : NO ACCOUNT / UNABLE TO LOCATE ACCOUNT " So I submitted another payment for {$500.00} and the same cycle of events happened. I then called the number listed on their website ad spoke with a representative. They notified me that their system was experiencing difficulties and that they may have issues on their end. They suggested that I try submitting the payment again. So I did submit another payment and it still got reversed.
|
| 10/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/2022, I received an email from Aidvantage stating that theres a payment due next month for {$47.00}. There should not be a payment due, nor has there been one for at least a couple months, as my loans were all put into the national Covid forbearance. When I check online, just 1 loan has been taken out of forbearance, and has a past due amount of approximately {$23.00}. I have not received any information about this particular loan being taken out of Covid forbearance, nor that a payment was erroneously due last month. All my loans are through the Department of Education, none are private, nor are they the specific types of loans excluded from forbearance. I called Aidvantage to see what had happened and to make sure it wasnt going to affect my credit score. They assured me they would return the loan back to forbearance, however I have no way to make sure of this, except to wait, at which later point in time the erroneous past due amount may affect my credit score. Also, this is the second case in my history with that servicer where I would call for something to be done ( refund ), waited weeks for the refund, only to call and find out that the refund was never processed and that Id have to wait several weeks again!
|
| 10/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I've attempted to contact Aidvantage multiple times, but have not received a single response to my messages through their website and haven't even had a customer support agent answer my phone calls after being on hold for more than an hour. Their website lacks so much functionality that I can't even see the outgoing messages I've sent to them. It should be illegal for Aidvantage to understaff their customer support team by this much as to make it seemingly impossible to get a response to simple questions and requests. It only takes a quick XXXX search to find thousands of similar complaints posted online. There are so many reports of people that have contacted Aidvantage and received wrong information, including being put in the incorrect income driven repayment plans and having payments applied incorrectly. I have zero faith in Aidvantage to service my XXXX XXXX accurately. I don't know why Aidvantage was allowed to take over XXXX 's portfolio of student loans, because I never had any of these issues with XXXX. Aidvantage needs to be legally required to answer their customers questions quickly and accurately, and if they aren't able to do that they shouldn't be able to service these loans and the loans should be forgiven.
|
| 09/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
Older American |
|
XXXX XXXX XXXX.
First one was thru XXXX XXXX.Loan paid on and then a period of forbearance offered several times. Over years much was paid in, moving, and then changes to companies management of loan. Last loan manager I spoke with was XXXX. I had been making payments to them for some time. In XXXX, I was dx with XXXX. Job gave me XXXX from XX/XX/XXXX to XX/XX/XXXX to assist with cost of living. I had surgeries and complications. In early XXXX I spoke with XXXX and explained circumstance and my age, over XXXX. They asked how many years I had severed the public as XXXX XXXX XXXX. XXXX. At that time they forgave my loan. He sent me a letter of XXXX balance and forgiveness.
Now I have received a letter from a new company that states they have assumed my loan! And said i can start paying {$590.00} A Month!! As of XX/XX/XXXX. Holy cow!! I have been so upset. Im XXXX yrs old now, on Social Security and can hardly meet everyday living costs! I think this has rehit my credit report has my score is falling. I have been upto date on payments and guess this is why.
Fraud and against a senior, who spent all her life caring for ill.
Please help me with a resolution to this FRAUDULENT activity I am looking for paper from XXXX.
|
| 11/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have submitted multiple payment attempts since XXXX XXXX. I have gotten payment confirmations for each attempt to bring my balance due current. A few days after each attempt Aidvantage labels my payment as " payment revered '' and then sends me multiple past due delinquency notice emails and offers payment assistance plans. I have verified all of my banking information online. It is correct. I have called my bank multiple times to ask why they reversed the payment and each time they tell me they never even received a request for payment from AidVantage for any of the attempts I have made to pay ON TIME.
I now have accrued additional interest on my loans and am labeled as delinquent. I have reached out to AidVantage on 3 separate occasions and haven't heard back at all. No one will even give me the time of day and try to help. I feel as though I am being scammed out of additional interest and being spammed with past due delinquent emails and " do you need help making your payments on time '' emails. I do not need a special payment plan, I just need AidVantage to fix their payment portal and correct the interest problem and take the time to correspond with me regarding issues with their site, not my ability to pay.
|
| 09/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
My loan is being serviced by aidvantage. The link on their website for deferment has been down for over a week. When attempting to apply through their online coroner portal, I receive an error message.
I called a few times to discuss and ask for deferment assistance. I stressed that it was important to complete the deferment as soon as possible to avoid the upcoming XXXX payment since I am unemployed. I was told they would mail the application to me. The issue of the broken website was not escalated.
I was also told that the operator could not assist me in completing the deferment over the phone.
The operator also told me that I could download the form via a deferment link through the website. However, the form is not available.
In a separate conversation with the servicer, I was told that the deferment paperwork would be sent directly to my inbox within 24-48 hours. This time has passed and I still have not received the paperwork.
I need assistance to complete the deferment ASAP. I find it strange at a time when federal loan payments are beginning again after years that I can not quickly automate or have access to the deferment application. Id appreciate assistance in expediting this process.
Thank you.
|
| 12/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I applied for the XXXX student loan pay pause refund on or around XX/XX/2022. At the time I was told I should receive check in around XXXX XXXX weeks time.
I called again a few weeks later and was told that because of the amount of request, the time was pushed to XXXX weeks. I wasn't told if the refund was approved or not so I called back and told told that the refund was indeed approved. But the timeframe is still XXXX weeks.
I called again a few weeks later because I received no updates. At this time I was told that my refund WOULD NOT be approved because of a case with XXXX XXXX XXXX XXXX I called XXXX XXXX and they told me that my case will not affect my refund.
I called again and couldn't get anyone on the line to assist with a status.
I called today ( XX/XX/2022 ) and told that my loan will NOT be received until XXXX weeks AFTER it is completed.
I find this totally unacceptable. Everytime I call I get different information and everytime I call I get different reps providing different information or status updates. Now my refund is not scheduled until XXXX at the earliest. I planned bills and payments based on the timeframe in was given before. And now I feel I'm not getting accurate data from. Aidvantage.
|
| 10/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I am a recent graduate and my loan repayment will begin around this current time frame. I need to change my repayment plan as I have never even been able to login to access my information. I have attempted to login to my account on my loan service provider 's website countless times and have had no luck. I try to enter my SSN and Birthday to help create my account or find my UserID, but it always says " No records found ''. At the same time, I am getting emails from Aidvantage about my payment coming up. When I have called them, I just get the automated message and it did recognize the last 4 digits of my SSN and told me my first payment would be due on XXXX, but the thing is, I can't even log in to make the payments. Every other time that I've tried to call, the automated message says that they are forwarding me to a representative, and from there it just rings endlessly with absolutely zero updates about time estimates or how many people are ahead of you in the queue. I have waited for close to 2 hours on numerous occasions. Furthermore, there isn't even an email or Help Center contact information on their website that you can reach out to. This is completely unacceptable. They are playing with people 's lives.
|
| 10/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
First, I was never put on forbearance during Covid pause and my auto-debit payments continued.
I called Aidvantage on XX/XX/22 and XX/XX/22 to request refund for payments towards Direct Loans that I made during the Covid pause. According to government guidance, I am eligible for the refund. I called specifically to get this processed before my consolidation went through and before my loans were transferred to XXXX because I am applying for XXXX.
I called Aidvantage on XX/XX/22 and found out that Aidvantage never submitted my refund request. This has made my consolidation/PSLF process even more complicated. If my refund was processed as it was originally requested, everything would have been included in the consolidation. Now, I need to re-submit another form to add reinstated loans.
The Aidvantage phone representatives were not knowledgeable and gave me incorrect information on how to request refunds for eligible loans. In addition, they failed to process my original refund request in a timely manner. The loan servicing specialist who have been answering my emails have been very helpful and commendable and the only ones who gave me clear answers however I am unhappy with the customer service over the phone.
|
| 07/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have been working for a XXXX XXXX since XX/XX/2009. I have been submitting information to XXXX XXXX, XXXX, and then to the XXXX XXXX servicing ever since. I am not being credited with payments being made from roughly XXXX due to XXXX constantly putting me into deferment and forbearance status. Had they helped me learn my options especially since I already worked for a non-profit organization, I would have my loans forgiven now. My payments have always been {$0.00}. Those times that I could have been on the income based repayment plan would have benefited me and instead, I am not getting credited for those payments as they should have been. XXXX XXXX and XXXX knew what they were doing and this has been going on for so long. This is making my life difficult to say the least. I have contacted them several times about various things and they were quick to put me into deferment instead of giving me my options. This is ridiculous. They only did it that way to keep making money off of interest. I want those payments to count. I want total loan forgiveness since I have devoted my time to a job that barely pays over minimum wage in hopes that the loan providers and the government would fulfill their end of the bargain.
|
| 07/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
My issue is with them with holding my official transcripts.
My account has already gone to collections.
I owed XXXX personally on top of my student loads and they are with holding my offical transcript from XXXX.
I paid up until XXXX and I can't afford to pay any longer.
I know that a law XXXX XXXX and won.
I just want my transcripts and my student loans reduced.
I asked for reduction twice in XXXX and was told I could no longer have XXXX by the finacial aid department. I don't have names or phone numbers anymore and I'm no long able to access my email account with XXXX even though we were told as XXXX 's that we would still have access. We I tried contacting IT back in XXXX I was told they could no longer XXXX me access to my account even though I was an XXXX.
That is not what was told to me by counceler when I tried to contact them they were fired.
Again I just want my transcripts and a reduction of student loan fees.
Its bad enough that I have NOW been defrauded by XXXX colleges, XXXX, XXXX XXXX and Now XXXX. My loans should be wiped but its NOT.
Only XXXX college was ligit and that was XXXX XXXX XXXX.
That really is a shame but then again I'm XXXX and the SCOUTS no longer care about that.
|
| 03/01/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
There is an ongoing issue with requesting a refund. I was never notified of a problem with my request and requesting management intervention has not resolved the issue. Consistent cycle of delays without repercussions but if I was 3 months in submitting payments the student loan company would want to garnish my salary.
Please do something so this does not happen to others.
XX/XX/XXXX - student loan company at XXXX agreed to process refund of {$4300.00} which would be return as paid through XXXX to XXXX.
XX/XX/XXXX - student loan company stated refund was approved on XX/XX/XXXX and would be return as paid through XXXX to XXXX in XXXX weeks.
XX/XX/XXXX - student loan company stated refund would be received in XXXX weeks, but by mail.
XX/XX/XXXX - student loan company stated refund was approved, would receive by mail, must be a problem with XXXX. Spoke with XXXX stated there was an error, but could not explain the issue stated would expediate request.
XX/XX/XXXX - student loan company stated refund was approved XX/XX/XXXX still pending, requested XXXX stated XX/XX/XXXX had a clerical error when request was created she contacted billing and refund would be return as paid through XXXX to XXXX in XXXX weeks.
|
| 09/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Since XXXX, the Department of Education ( " DEPT of ED '' ) has been reporting my personal information to XXXX, XXXX, and XXXX in violation of 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act. Since learning about these violations of my federally protected rights, I have made numerous complaints to XXXX, XXXX, and XXXX, as well as, to the different servicers of my federal loans such as XXXX XXXX, Navient, and XXXX. To date, the DEPT of ED, XXXX, Navient, XXXX XXXX, XXXX, XXXX, and XXXX STILL CONTINUE TO REPORT MY PERSONAL INFORMATION IN VIOLATION OF MY FEDERALLY PROTECTED RIGHTS. DEPT of ED FAILED to provide me with any of the disclosures that allow for me to opt-out of any/all reporting of my personal information nor were they supposed to disclose my information without my permission per FERPA and the 1974 Privacy Act. DEPT of ED, XXXX, Navient, XXXX XXXX, XXXX, XXXX, and XXXX continue to willfully, negligently, and recklessly report my personal information, and transaction experiences on my consumer credit report AND credit file. DEPT of ED, XXXX, Navient, XXXX XXXX, XXXX, XXXX, and XXXX failed to act to protect my personal information as required by 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act.
|
| 11/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I received an email on XX/XX/27 saying that my IDR plan was approved and that my payment would be $ XXXX. I went to make my payment and saw that their site was saying that I owed {$500.00}. I have been trying to get more information on why the amount they show is higher than my approved IDR and what needs to be done to have the amount due accurate. I've called them several times during their business hours and have been on hold for more than XXXX minutes each time. Eventually, I had to hang up because I was at work and they are only open during work hours which is unreasonable given the extremely long hold times. I then decided to try to email. I've sent over XXXX emails and have yet to hear back or have my questions answered. I spoke with someone Friday who said that they would put my account into forbearance and send a request to have my {$99.00} XXXX amount reflected in my monthly bill but it doesn't look like my account is in forbearance as it's still showing past due and now I'm getting messages saying that my account is delinquent. I can't afford the payments they are asking for and it's way higher than my IDR payment plan but no one has been able to help me. This is not fair and should not be legal.
|
| 02/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I reached out to Aidvantage via mail. They received my certified letter in the mail on XX/XX/XXXX. Aidvantage did not answer anything pertaining to my letter. The just simply concluded that my letter was regarding to identity theft, and it was pertaining to them. I wrote them and informed them that I never gave them permission to have alleged loans in my trust name " XXXX XXXX '' transfer to them from XXXX, and charge me with an alleged debt without proving to me that this debt belongs to me. In my letter informed Aidvantage company to cease and desist phone calls to the number that they have on file for me and any references. An individual contacted me by phone from the fraud department, which makes then in violation to the FDCPA 15 USC 1692c ( a ) ( 1 ). It was an inconvenient time for me because I was at work when they called XX/XX/XXXX @ XXXX. Aidvantage also sent me a letter with their name stating that they were a loan service. They violated my privacy because anyone could have seen my name go the envelope and assume I have alleged student loans with this company. This is in violation of 15 USC 1692f ( a ). These two violations per the FDCPA Aidvantage needs to pay be {$1000.00} for each violation.
|
| 11/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I was paying back my student loans through Aidvantage. I paid off XXXX separate direct subsidized loan in full. A few weeks later I returned to the website to pay off additional loans. I saw that XXXX loan 's balance was now {$0.00} and assumed that the second loan was processed as well.
I have then paid off XXXX more loans, but apparently I paid off XXXX loan and overpaid the original loan which did not show as processed on the website. The overpayment was {$4200.00}.
I have then reached out to Aidvantage via phone and was told that the funds were going to get automatically refunded within 14 days ( this was the first lie ). After 14 days, I called again and was then told that the amount was too large to refund and they will need to submit an approval to their XXXX. This process was going to take XXXX weeks.
It has now been over XXXX weeks and I called for the XXXX time. This time I was told that the approval was never submitted or processed. The representative then admitted that this was overlooked on their end. She has then submitted the approval to the XXXX again and claimed that this time for sure it will get processed, but I have to wait at least XXXX weeks because the holidays are coming.
|
| 04/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My loans were initially with XXXX but switched to Aidvantage. My beginning balance was around {$11000.00}. I made a {$1000.00} payment in XX/XX/2022. It was taken from my bank account. In XX/XX/2022, I made another {$1000.00} payment which also cleared my bank and was initially posted to my AidVantage account bringing my balance down to {$10000.00}. I called and spoke with an employee on XX/XX/2022 at about XXXX. He noted that I did make a XXXX payment ( so the balance should be {$9000.00} ) but for some reason, it was not posting to my account. He had me upload my bank statement to their system showing that the amount cleared my bank. I did explain on the phone call that it looked like my statement still carried my maiden name plus my husbands name. He said this was not a problem. I completed this. He said it would take a few days to post. Today, XX/XX/2022, I checked my account. Not only have they NOT posted my XXXX payment, but they restored (? ) my XXXX payment and the balance is {$11000.00} again. Additionally, in my documents folder, the documents I have uploaded are now erased. This is beyond lazy and appears fraudulent at this point. It is causing stress having to constantly check my account.
|
| 08/28/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
XX/XX/XXXX The University names and loan amounts do not correspond on my Aidvantage Federal Student Loan account.
It shows my loan balance at over {$24000.00} in the amount of two separate loans that were consolidated back in XXXX.
It says I attended a school called XXXX XXXX XXXX XXXX XXXXXXXX, Oregon. This is true. It was quite brief though and as I best recall, it was only one loan for less than {$4000.00}.
This is all current information in my Aidvantage account as of today. XXXX My only guess is that they have it confused with my previous universities, XXXX XXXX XXXX XXXX XXXX loans of respectively, XXXX XXXX XXXX XXXX XXXX
I attended the bulk of my schooling there between XXXXXXXX XXXX XXXX XXXX time was brief, and would have been during the mid XXXX.
I emailed Aidvantage and shared this same information with them.
I asked to schedule a call as I do not believe the amounts to be accurate and found them to be inflated beyond what should be accurate, as well as not connected to the correct university.
Im happy to share any additional information you need & can be available for a call within 24 hours notice.
Please advise on next steps and course of action.
Much appreciation, XXXX XXXX
|
| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I attempted to dispute these online via the application using XXXX, to no avail.I never authorized XXXX, Department of Education XXXX XXXX XXXX XXXX, or Aidvantage to share my personal information with anyone. This was never a loan. I am aware this entry was merely a creation of numbers and decimals, obtained by my signature. As noted in UCC 1-201 ( 24 ) and UCC 3 ( 104 ). This was a consumer credit transaction. An extension of my own credit, as there has been no real money since 1933, therefore all debt is discharged and otherwise the responsibility of the United States. In accordance with 34 CFR Part 99 and the Privacy Act of 1974, I wish these entries to be removed from my credit report, simply because I did not authorize them. These entries are showing a " current '' report status even though some are 12 years of age. I did not nor do I now consent to my personal information being shared. It is fact that my signature secured this transaction. Please remove these immediately, as this is constructive fraud.
Reference # XXXX. There are 5 total entries totaling {$24000.00}. XXXX, XXXX, and XXXX are not even credit bureaus, they are private agencies playing with people 's lives. Straight fraud!
|
| 07/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I, the consumer, have discovered several violations done on the part of the financial servicing company XXXX XXXX XXXX XXXX XXXX XXXX and Aidvantage.
Pursuant to federal consumer regulations 15 USC 1681a ( 1 ) a consumer report is one of a written oral report provided by the consumer ( I, the consumer did not provide this information to any of the credit bureaus ) 15 USC 1681a ( 2 ) ( ( A ) ( i ) ( ii ) ( iii ) - prohibits the furnishing of any information pertaining to transactional relationships and communications between the corporations and consumer 15 USC 1681 section 602 A states I have a reasonable right to privacy and that has been violated 15 USC 1681 section 604A states that a consumer reporting agency can not furnish a account without my written permission ( I the consumer did not give any consumer reporting agency permission to furnish this information ) XXXX and AIDVANTAGE furnished inaccurate and damaging information to my consumer credit report XXXX XXXX and XXXX Consumer has also discovered pursuant to 15 USC 1 every contract in restraint of commerce is declared illegal and is fined at {>= $1,000,000} or jail of 10 years Consumer grants permission to CFPB to act on their behalf
|
| 10/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On XX/XX/XXXX I applied through studentaid.gov for the SAVE repayment program and was accepted on XX/XX/XXXX ( account stated that loan servicer had completed the review the application ). According to studentaid.gov my monthly repayment amount was XXXX.
I am signed up for automatic payments and on XX/XX/XXXX Aidvantage took XXXX ( instead of the XXXX ) that I was expecting to pay. I spent nearly an hour on their chat help service on XX/XX/XXXX and was told the reason was that I did not call them to request the forbearance period that was a part of the plan. They stated I had to call. I spent another hour that afternoon calling to have them put me in the SAVE plan that I already applied for through studentaid.gov, they asked me for all my financial information again ( that I had already given through my application with studentaid.gov ), confirmed the new payment amount of XXXX which was to begin in XXXX.
On XX/XX/XXXX I received a notice from aidvantage that my next bill will be due on XX/XX/XXXX and will still be {$800.00}.
At this point, they have already taken 2 hours of my time and {$350.00} from my bank account, and the result has been that they are still planning to over charge me.
|
| 11/05/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I paid {$2100.00} over the time period that student loan payments were on pause from XX/XX/XXXX to XX/XX/XXXX. {$72.00} per month. I filed a refund with my student loan provider aidvantage on XX/XX/XXXX. I called filed a refund and it was " approved the same day ''. The representative said it would take 4-6 weeks for a refund to hit direct deposit. Currently it is XX/XX/XXXX, 8 weeks from when I initially called and no refund has been issued or an update to my aidvantage account.
1. Called XX/XX/XXXX to submit refund request 2. I called XX/XX/XXXX and was told my refund was approved and is being processed.
3. Called XX/XX/XXXX and was told my refund was approved and being processed 4. Called XX/XX/XXXX and was told my refund was approved and being processed.
5. Called XX/XX/XXXX and was told my refund was approved and being processed but it could be 4-8 weeks. I asked if there was anything I could do to expedite the process but they said nope they have thousands of request and it could be 8-12 weeks. ( So which one is it ). Also was told it is out of aidvantage 's hands/control because a check would be sent from the treasury. I specifically requested and was told it would be direct deposit.
|
| 01/04/2022 |
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 |
|
|
I have disputed on multiple occasions with XXXX, the data regarding my XXXX Department of Education student loans. I have personally written XXXX a letter explaining the dates in which they claim I missed payments, the dates they claim I never made payments, and the dates in which I showed receipts for payments that I had made, to no avail. My student loans are not even held by XXXX anymore, which is beside the point all of my student loans have been consolidated into one loan and I still have derogatory marks on my credit report showing that I missed payments and I have never missed a single payment I have always been in forbearance or part of a repayment program. I have submitted copies of my receipts for dates that they show I missed payments to both XXXX and XXXX and nothing changes every time I file a dispute. I run a small business which is a sole proprietorship which is the only income for my family of XXXX children and wife, my only option for credit is through personal credit not business credit therefore these derogatory marks from XXXX which is absolute bogus, are creating an extreme hardship on me and my family. I hope you guys can get something more done than I have been able to.
|
| 01/11/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My loans were recently transferred from XXXX to Aidvantage. XXXX had been sending a monthly account statement for my account. Aidvantage did not send the following monthly account statement ( XX/XX/XXXX ) as scheduled once they took over as servicer, so I contacted them.
They insisted the monthly statement had been sent to my inbox as scheduled. When I confirmed it had not, with a screenshot as proof, they offered to send one by mail, but insisted that monthly statements are sent automatically and that I should receive the next one ( XX/XX/XXXX ) in my inbox as scheduled.
I asked for an explanation or investigation as to how the previous statement was missed, so I don't continue to miss statements and have to retroactively request them each month. Initially, the aidvantage rep simply stated " ... there seems no reason why the XXXX statement will not be sent as scheduled. '' I had to clarify that Reg Z requires that periodic statements be sent before the rep conceded that they would " submit a request to our IT dept to research this matter '' and disconnected me from the chat without providing any information as to how I would be informed of the findings of their " IT '' investigation.
|
| 01/21/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Older American |
|
Hello!
I am writing regarding my application with Aidvantage under the new Joint Consolidation Separation Act which XXXX XXXX passed on XX/XX/2022. I applied for consolidation on the XXXX XXXX XXXX website and selected XXXX as my service provider. Aidvantage was not even listed on the application to select and receive a notification when it was submitted. XXXX is currently my service provider and has submitted paperwork to Aidvantage to process my application for PSLF. I applied on XX/XX/XXXX, which would allow me to be considered with the Limited waiver policy with the XXXX.
I have contacted Aidvantage for over a month trying to find out the status of my application for the Joint Consolidation Loan Separation Act.
I have received two notifications that my application with Aidvantage has been canceled and denied because it is a spousal loan. I have tried to inform Aidvantage that my application should be reinstated due to the new Act which I applied for before XX/XX/2022.
I feel my application needs to be reviewed and sent to XXXX for processing under the PSLF program. My PSLF application with XXXX was approved on XX/XX/2022, and just need Aidvantage to submit my information to XXXX.
|
| 06/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I wanted my loan assessed for possible restitution for a Direct Parent Plus loan that was being managed by XXXX. When I went to assessed if there were any inappropriate loan practices, the loan was shortly transferred to Aiadvantage. Aiadvantage then begin to send me emails as to this transfer. When I went to log in to start my assessment as to the status of this loan, the site informed me that they are still working on transferring this loan. Then on XX/XX/22, I received some call wherein a message was left on my voicemail from a representative stating they were calling from Advantage. I checked the website to see why they were calling ( i.e., late payment, discussion of transfer ) yet the site continues to report they are still working on the transfer of this loan. I understand the cancellation of debt was related to private loans but that does not exempt XXXX from utilizing predatory practices for any borrower whose loan was being managed by XXXX. Before I could even inquire, the email correspondence started coming in by Aiadvantage. Therefore, I believe my loan should undergo a review for any predatory lending practices so I can either be forgiven of this loan due to such misconduct.
|
| 10/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
I am a full class member of the XXXX XXXX XXXX lawsuit with a Borrower 's Defense case against XXXX XXXX XXXX and XXXX XXXX XXXX with loans being serviced by Aidvantage. While Aidvantage has removed my loans relating to XXXX XXXX XXXX earlier this year they are refusing to remove the loans relating to XXXX XXXX XXXX. To make matters worse, Aidvantage has moved forward with putting loans from XXXX back into repayment and charging interest in violation of the settlement agreement that they are legally bound to comply with. Aidvantage blames the Department of Education for not informaing them but, when I communicate with the Department of Education, they blame Aidvantage as I've been told they have been informed.
Both Aidvantage and Department of Education are bound to the settlement of this lawsuit.
After months of conversations, I was able to get the Department of Education to communicate the forbearance with Aidvantage but Aidvantage continues to charge interest which increases my balance and hurts my credit against the settlement agreement. The reality is that all these loans are supposed to be fully discharged... Not being put back into repayment and/or collecting interest.
|
| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
I was approved for TOTAL PERMANENT XXXX DISCHARGE '' in late XXXX XXXX. The amount of XXXX was XXXX to XXXX and reported by XXXXDEPT. OF EDUCATION XXXX XXXX Subsequently, all XXXX XXXX XXXX XXXX were informed, yet XXXX continued to report ( inaccurately ) that this loan is still open, and I owe a total of {$10000.00}. I have made repeated phone calls to XXXX disputing the erroneous information they are reporting on my personal credit file. XXXX has asserted the information that remains unchanged on my credit report is based on their investigation with THE DEPARTMENT OF EDUCATIONXXXX XXXX This issue has been unresolved since XXXX. As a result of this inaccurate information, I have had to pay higher interest rates on everything from a small auto loan, credit card companies, personal loans, auto insurance and a preliminary option to rent-to-own the townhouse I am currently living in. The undue stress, XXXX and embarrassment has impacted me physically and financially. I am hereby requesting that this " error '' be reported truthfully to ALL CREDIT REPORTING AGENCIES. Especially, to XXXX who has stated repeatedly, the information is based on their investigation of THE DEPT. OF EDUCATION.
|
| 06/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX is a new company that took over my current student loans from Navient. I have had several companies manage my loans since having my loans. I had a in school deferment as well as deferring my loans due to financial hardship. I have not been accommodated at all. XXXX continues to report failure to pay and late payments which has inaccurate. Due to XXXX reporting these items negatively on my credit report, my credit report is heavily affected which has been extremely detrimental to my livelihood. There are currently 16 accounts reporting late payments for 90 day past due for XXXX of XXXX. According to my school schedule for Fall XXXX, I was in school and a in school deferment was suppose to be applied. I contacted the previous company with this information several times. This is a weight on my shoulders and a cloud over my head for the past years. I have attempted to resolve this matter years in and years out. Furthermore, I have been informed different things each time I have spoken to the loan companies. Due to the constant change of management for my loans, how can I even expect for them to keep up with accuracy. I am really at my wits end and this is affecting me tremendously.
|
| 03/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I submitted a Consolidation Form to the USDOE and received the email below. My response is at the bottom. Why is Sallie Mae involved?
XXXX XXXX To : XXXX " Fri, XX/XX/XXXX at XXXXXXXX XXXX Dear XXXX XXXX XXXX Thank you for your interest in the Direct Consolidation Loan Program . We received your application ; unfortunately, were unable to complete your request because of one or more of the following reasons : Your references address is missing. Please provide street address for XXXX XXXX.
We will need : Complete street address City, State, Zip In order for us to complete processing your application, please call us at XXXX within 3 days so we can obtain any missing information. If we do not hear from you, your application may be canceled. Were here to help you Monday Friday XXXX XXXX XXXX XXXX XXXX ET.
We appreciate the opportunity to serve you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX I am looking to consolidate my Perkins loan with loans made the through the Federal Student Aid via the Department of Education.
You appear to be Sallie Mae, a private agency. How did you obtain my Consolidation Form?
Please advise.
XXXX XXXX
|
| 08/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have been enrolled in Income-Driven repayment for nearly 10 years. Part of being in IDR is that you must pay a defined number of payments to receive forgiveness ( in my case, XXXX ). Recently, my servicer was changed ( not voluntarily ).
With the new services, I noticed that they have zero payments recorded. All of my previous payments were recorded with my previous servicer, so I have no record of them.
I called to ask where I could see how many qualifying payments I've made toward forgiveness, and they told me I that I can not access them on their website. This number is also not listed on the Federal Student Aid ( FSA ) website. I can only access this number by calling the company, and in the course of one phone call I was told two different numbers for my qualifying payments.
This is crucial information that should be available with all other account information. Its should not be a XXXX process to find out how many qualifying payments I have made toward forgiveness.
As we see how flawed the forgiveness process is, I believe step 1 to rectifying this situation for millions of borrowers is to provide them crucial information about their loan and hopes of repayment.
|
| 02/15/2022 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I am submitting a complaint against XXXX in regards to my old private students loans I used to have through XXXX from XXXX XXXX. My students loans are currently own by XXXX. They were transferred to FedLOans in XXXX. I am submitting this complaint because XXXX never provided me with information about other types of loan repayment/forgiveness such as the Income Driven Plans or the Public Loan Forgiveness . Instead, the only option I was given by XXXX was to put my loans in deferment. Currently there is a lawsuit against XXXX for using predatory strategies regarding loan repayment. Millions of students, including myself, were not provided with other plans for loan repayment. I worked for 6 years for a non profit organization, yet because my loans were on deferment, I never received credit for my 6 years of work as a public health research analyst. I have contacted XXXX about this two times already. I was told that because my loans are now own by XXXX, they can not provide me any information on this since I am not part of XXXX. I called XXXX, but I was told to call XXXX. I contacted the US Department of Education about this and I was told to submit a claim through here.
Thank you
|
| 06/02/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
I XXXX from XXXX XXXX in XXXX. My student loans were serviced by XXXX. I struggle to pay for my student loans and every time i called i was placed in forbearance. since XXXX I filed bankruptcy in XXXX, had my tax refund withheld because I was so behind in payments and today still owe over XXXX in loans. I finally refinanced my loan privately two years ago so I wouldn't have to deal with them any longer. Of course right after i refinanced then the pause on student loans was enacted and the ability to apply for student loan forgiveness was implemented which know i do not qualify for. I have worked in XXXX at a XXXX XXXX for the last XXXX years. I am trying to get information from XXXX about the XXXX Settlement to see if i qualify or what can be done. I call XXXX and they say they aren't handling that and have no information for me and hung up. I went to the website XXXX XXXX XXXXXXXX where it states people entitled will receive a post card in XXXX. well I didn't get it or if i did it was thrown away by accident. They list a phone number XXXX but when you call it, it doesn't give you an option to speak with anyone, just states what's listed on the FAQ page and hangs up on you.
|
| 10/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I recently submitted a complaint to Navient. The response that Navient gave suggests I take an action that may have negative consequences.
Navient suggested consolidation but this action according to the federal student aid web-site has potential downsides such as the following.
Because consolidation may lengthen the repayment period, you'll likely pay more interest over the long run. Any outstanding interest on the loans you consolidate becomes part of the original principal balance on your consolidation loan, which means that interest may accrue on a higher principal balance than if you had kept your loans separate.
You might lose borrower benefits such as interest rate discounts, principal rebates, or some loan cancellation benefits associated with your current loans.
Normally, consolidating your current loans could cause you to lose credit for payments made toward income-driven repayment plan forgiveness or PSLF. However, under the one-time income-driven repayment account adjustment, you wont lose credit for those past payments. This adjustment will be applied automatically to all PSLF-eligible Direct Loans, including consolidated and unconsolidated parent PLUS loans.
|
| 10/07/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I called on XX/XX/25 to get a refund under the CARES act for a paid in full loan, and was told it would take 7-10 days for the balance to reflect my refund and up to 6 weeks to actually receive the money.
At the 4 week mark I had not seen an updated balance or any refund. So I called to confirm that they had processed my refund and the agent I spoke with said everything was on track and processing fine.
Today, XXXX, is the 6 week mark and I called to check because I still see no updated balance and have not received funds. I was told that my request wasn't processed on the XXXX but rather the XXXX of XXXX and that it was going to take at least 8 weeks to update the balance and potentially even longer to see the refund.
I need this refund badly and I am very frustrated with the changing information. I don't have faith that Aidvantage will uphold the new timeline and would at least like to see my balance reflected that my refund will be processed.
I understand there has been a lot of volume of these types of requests, but having called exactly 6 weeks ago and seeing absolutely no movement after being told 7-10 business days leaves me incredibly dejected in the process.
|
| 08/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I had a loan with XXXX it apparently transferred to Aidvantage they claimed in an email sent to the email on the account that I owe money that starts in XXXX, I tried calling to get my account enabled after login and register both failed do to XXXX account or account not found. I called today XX/XX/ after an 1hr on hold someone picked up said I did owe money on a loan, I asked Very clearly multiple times to get my account re-enabled she said an email would be sent where I just had to follow the steps and my account would be back up. and hour later that email shows, its no different than clicking the register button but fine I try the steps, it doesn't work, its the same failure as before. I have no way of contacting them other than this phone number, I can't get into my account to do anything. How can I owe an unknown amount of money that does not show in my Fafsa account, and be expected to pay in XXXX when the Student Loan provider Aidvantage will not allow me to access my account. This is a very serious complaint and my only other option before contacting a lawyer. I just called again while typing this and they hung up after I was on hold for several minutes. Just wow.
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Aidvantage is reporting balances to XXXX although my accounts were transferred to XXXX. I submitted multiple disputes with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each dispute resulted in XXXX stating Aidvantage verified the debt therefore it can not be removed. I submitted another dispute with XXXX today, XX/XX/XXXX.
My XXXX report reported duplicate balances from Aidvantage and XXXX up until XX/XX/XXXX. As of then, most of the duplicates from Aidvantage have been removed except XXXX for {$2400.00} and XXXX for {$2100.00}. These also show for XXXX.
Additionally, I contacted Aidvantage on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they informed me I do not owe any balances for them. However, they continue to verify the debt that I do not have. They have not resolved any issues or provided any conclusions of their internal review/dispute process. A supervisor with Aidvantage stated they will submit a credit bureau retraction on XX/XX/XXXX and I will be notified via email, within XXXX business days, of the results of the retraction.
I have no faith Aidvantage will actually resolve the issue since they have were notified of this issue in early XXXX.
|
| 09/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I just restarted paying my loans with Aidvantage as of XX/XX/XXXX. I was told that to qualify for the XXXX repayment plan, which detailed no interest will accrue as long as I make payments, I need to consolidate my loans. I started the consolidation process on XX/XX/XXXX and have been charged interest weekly, with my loan balance going up several times over the course of the same month, XX/XX/XXXX. I have even made several payments this month and my balance keeps increasing with new accruing interest after each payment.
My starting balance was {$190000.00} on XX/XX/XXXX. I made a {$25000.00} payment on XX/XX/XXXX, and my balance went to {$160000.00}, however should have been {$160000.00} ( so interest of {$23.00} over the course of a day ). I then made another payment of {$25000.00} on XX/XX/XXXX, and my balance went to {$140000.00} ( so another interest charge of {$70.00} over 2 days ). I made my last payment on XX/XX/XXXX of {$25000.00} and my balance went to {$110000.00} ( so another interest charge of {$84.00} over 5 days ).
Aidvantage is wrongfully collecting interest even though I am making regular payments and the loans are in the process of consolidation.
|
| 09/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I requested to pay via the new SAVE plan. Aidvantage is not following through on approval of my application.
They sent me notice that they removed me from IDR for some reason. I am still trying to figure that one out. I did not request to leave IDR. I requested to sign up for SAVE.
They charged my old payment amount to me in XXXX of XXXX, which I paid.
I applied for SAVE on studentloans.gov and the application page says it has been approved by my servicer for just shy of {$510.00} per month, not the {$710.00} they charged me.
In addition to this, they do not show any balance for the next month 's payment. Their website explains that this is due to the fact that I'm signed up for autopay. There is nowhere else on the website where I am able to view payment amounts due.
I am trying to get a mortgage and need proof of the lower amount, which Aidvantage never sent to me.
They never sent me the notice of the reduced payment amount, even though DoE is telling me they've approved it and should send me a notice. They still have {$710.00} autopay amount.
I am attaching the notices which I did receive, along with screenshots from the official student aid website.
|
| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The issue I am having : XXXX out of my XXXX total federal student loans are currently being reported twice as duplicate accounts on my XXXX credit report. There are XXXX federal student loan accounts being reported under Dept of Ed/Aidvantage and the same XXXX accounts are also being reported a second time under XXXXDept of Ed . The duplicated accounts listed twice under both Aidvantage & XXXX are all reporting as open with a balance. The loan servicer changed from Aidvantage to XXXX earlier this year. I previously had an issue with XXXX of my federal student loan accounts being duplicated on my XXXX XXXX XXXX credit reports, which was resolved after submitting a credit dispute. However, the issue with XXXX is much more serious, as my total federal student loan debt is now incorrectly being reported as XXXX instead of XXXX and XXXX has not corrected issue with my federal student loan accounts being duplicated even after submitting a dispute multiple times. I sent a message to XXXX customer support on XX/XX/23 informing them of credit reporting issue. I also submitted a complaint on XX/XX/23 with the U.S. Department of Educations Federal Student Aid Office ( XXXX ).
|
| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I reviewed my Consumer Reports and noticed that I had 4 late payments 15 student loans on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for these accounts : Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
|
| 10/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have had a variety of difficulties with this company. That do not have an option to pay principal ONLY additional payments on their online portal. I have asked multiple times how I make principal ONLY additional payments and have received no response. I set up auto pay through Aidvantage. It states that it should reduce my loan rate by 0.25 % on each of my loans. However, the online site has yet to show this change and I am still being charged at original interest amount. More over, I have also submitted through XXXX XXXX XXXX servicer for a new type of replacement plan and have had no response from this company in multiple weeks. They continue to have my payment listed as the payment amount before the change and I know I qualify for the type of repayment I applied to. I have emailed the started customer service line twice. I get a confirmation email that will respond within a couple of days, the correspondence shows up in my Advantage inbox, but then is deleted or of my inbox without any response to my questions/concerns. When I attempt to call customer service about any of these, I get put on hold endlessly and have not been able to talk to a representative.
|
| 03/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I applied for my loans to be consolidated in XX/XX/2022. During the wait, I was making payments to XXXX in XX/XX/2022, and XXXX XXXX totaling {$6400.00}. In XXXX, I received a letter stating my loans had been consolidated. However, the payments were not reflected and I received the letter after the appeal deadline to address the incorrect balance. I was told by Aidvantage that they sent over six consolidation payments when I only had five loans in repayment at XXXX ( one loan was paid off in XX/XX/2022 ). However, XXXX claims they received five payments and never received a payment for the loan I paid off. I contacted Aidvantage, XXXX, and XXXX XXXX times over the past three months to inquire why my payments weren't reflected in my current consolidated loan balance. Each time I spoke to each servicer, they informed me it would 30-45 days for the balance to reflect. However, Aidvantage and XXXX do not see any payments I've made and it's been over 45 days. XXXX stated they sent the payments over in XXXX. I only see {$50.00} payments and not anything totaling {$6400.00}. It's been 90 days since my loans were consolidated and my loans have still not been corrected.
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| 09/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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On XX/XX/2023 I called what I thought was the student loan consolidation repayment program. The number given to me was XXXX. They said that I qualify to have my loan consolidated into one and have one interest rate, but that I would have to pay an enrollment fee off XXXX. I made XXXX separate payments of XXXX on XX/XX/2023, and XX/XX/2023. They said they would take out XXXX dollars every month for 240 months for the program. On Friday XX/XX/XXXX I received an email from aidvantage, giving me my monthly statement and I was confused because I thought I had signed up for the program. I called and got enrolled into save but now I know that I got scammed the first time. The website I was given in the letter is https : //melds.ed.gov. I have the fraudulent letter as well as the real letter of the student loan consolidation and payment reduction program and its exactly the same. I can provide pictures and documents that they sent me about the fraudulent payment program I signed up for. They have all of my personal information and Im currently closing my checking account and getting a new one, Im filing a claim and am keeping watch if anything opens up under my name.
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| 09/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
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Web |
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Please see emails attached. I was sent an email on XX/XX/XXXX to sign up for Auto Pay. I signed up for Auto Pay and received a confirmation email on XX/XX/XXXX. On XX/XX/XXXX I received an email that my Auto Pay was cancelled. I called an spoke to three different people that reassured me there was a glitch in the system and everything would be correct. I asked them to send me a confirmation email that my interest rate would be at .25 % and they reassured me it would be correct after XX/XX/XXXX. They showed on their end three confirmation emails that my Auto Pay was set up correctly and confirmed there was something wrong with their system and to ignore the cancellation email. I signed up for Auto Pay again on XX/XX/XXXX. A payment was made for {$12000.00} on XX/XX/XXXX, but my account does not reflect that. I was cancelled again, but was never sent an email. I set up Auto Pay again on XX/XX/XXXX and received another confirmation email, but my interest rate does not show .25 %. I was assured over the phone that their system was having issues and everything would be correct after XX/XX/XXXX. It's not, my interest rate is 3.86 % on 4 loans and 4.66 % on 2 more.
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| 09/28/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
Servicemember |
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I received a notice to my Aidvantage account stating that my interest rate reduction for using AutoPay will be suspended during forbearance or deferment and the next line states my loans were approved for deferment. I never made a request to have my loans deferred so I'm not sure why they were. I tried to call their Customer Service line and each of the 12 times that I called, I kept being told to wait on the line then after about 10 minutes I would get a prompt to leave a message for a mailbox ( # XXXX ) however that mailbox was full. I tried to send an email via the Help Center while logged into my account and received a follow up email to my personal email stating that they were unable to respond to my request via the Help Center because it wasn't secure, even though it was sent through my logged in account. So now I'm accruing more interest than normal because my AutoPay enrollment has been removed because they placed my loans in deferment without me requesting this and I'm unable to get a hold of anyone to resolve the issue. How can a company responsible for millions of federal student loans be so difficult to get in contact with. This is unacceptable.
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| 10/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
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Web |
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In behalf of my son, I am hoping you might be able to help me out. Back in May of this year, XXXX, he got word from my coworker that he received a check of the amount he paid towards his loan for XXXX XXXX XXXX - XXXX, XXXX. He told him to look into it to see if he would be getting paid as well, because they both went to the same school at the same time. So he started researching and found the article that was from last XXXX stating that students that went to XXXX would be having their loans discharged. So he contacted Aidvantage and they told him to contact the borrowers defense hotline. So he did that and they told him to contact the loan servicer. So hes just getting tossed back and forth with information that is not helpful. Hes hoping that you can help with giving us better information than those two resources. I know how much he paid to his loans and he just wants to know if and more importantly, when he should receive his discharge refund. So if you or the others at this financial group could help, that would be greatly appreciated.
I, the parent also had a parent plus loan in which I made payments, in approximately {$36000.00}, which was paid off.
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| 12/27/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I have been trying to get a refund of payments made during Covid for almost 4 months now.
It is now end of XXXX. The first time I called was end of XXXX, and the customer service rep told me I would receive my refund in 6-8 weeks. I gave them the benefit of the doubt and waited 10 weeks. Then I gave them a call. This XXXX rep told me she did not see anything indicating a refund was requested. Luckily I had email proof, because I had also emailed them about this around the same time. She said she would fast-track my request to be processed in a couple of weeks, since waiting time was 8-10 weeks now.
I called and emailed multiple times and kept getting the run-around. Its coming or we will get to it soon. I was told my processing date would be first week of XXXX.
I just got communication today XX/XX/27 saying it would now be 10-14 weeks. Ive already been waiting 16+ weeks. This is getting ridiculous. Theyve lost all credibility and I dont trust them at all since theyve lied so many times about the timeline. My friends with loans with other student loan companies requested around the same time and got their money back in less than 8 weeks with no issue.
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| 10/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I have federal student loans with Aidvantage. On XX/XX/2023, I submitted payment via my online account with Aidvantage to fulfill my monthly payment requirement. I received an email from Aidvantage on XX/XX/2023 confirming my payment was made. On XX/XX/2023, I received an email from Aidvantage stating my payment had been posted on my account. The funds were never withdrawn from my bank account. On XX/XX/2023, I logged into my Aidvantage account to inquire what was happening with my prior payment. My account shows there is a payment overdue despite both the email confirmations from Aidvantage that I made payment and my payment had posted to my account. In the " Payment History '' section of my account, it shows " Payment Reversal '' on XX/XX/2023. I never received any notice my payment had been reversed. I check multiple times that I entered my bank account information correctly and have confirmed the bank information I uploaded to my Aidvantage account is accurate. I attempted to contact Aidvantage on XX/XX/2023 and XX/XX/2023 to inquire what the issue was and why my payment did not post. I can not get through to anyone despite being on hold for hours.
|
| 03/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Hello I am submitting this complaint as it regards to refund of student loan payments made during the payment pause. I have submitted a refund request through Aidvantage on XX/XX/XXXX for the refund amount of {$8300.00} that was made during the payment pause. Initially I was met with a very helpful lady ( XXXX ) that sent in an expediated request and was told that it would take 4-6 weeks to receive a refund. She was doing this for me as I had already submitted a refund request with my previous servicer XXXX XXXX on XX/XX/XXXX but that was not completed prior to being transferred to Aidvantage. After the 4-6 week time frame had passed I contacted Aidvantage again for an update and was told it would take 6-8 weeks from the time the refund was approved through Aidvantage to receive a check from the Treasury Dept. I was given the date of XX/XX/XXXX as the date it was approved. It has since been over the 6-8 week timeframe yet again and I would like to get clear clarification on where my refund is. I have remained patient throughout this process but have now waited 6 months ( 3 with XXXX servicing/ 3 with Aidvantage ) I need an update immediately thank you.
|
| 10/06/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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with the announcement of potential student loan forgiveness, i decided to request a refund like many others to have my balance re-instated so i could then apply for forgiveness. I originally called on XX/XX/XXXX and put in the request for a refund of {$10000.00} and even provided new banking infor for direct deposit since the payments that were made during the forebarence were from an old checking account.
Absolute silence and no updates provided so i decided to call back XX/XX/XXXX and spoke with an XXXX XXXX at XXXXXXXX XXXX and there was no record of my refund request and had to submit a new one... i then called back at XXXX that same day since i had forgotten to provide my updated banking info.
it's now been 3 weeks since the second request and almost XXXX since the original which there is no record of ... and absolutely XXXX update to my balance.. i am now getting worried with the higher volume of requests being made and the application for forgiveness being released this month.
i've tried calling numerous times for an update and it is literally impossible to get through on the phone aidvantage should not be allowed to operate as a company.
|
| 11/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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After filling out the recommended XXXX application I was informed my payment had doubled. I contacted AidVantage XXXX via email on their website. On XX/XX/XXXX and received an XXXX reply but no XXXX response. I attempted again again on XX/XX/XXXX where I did receive another automated reply and again, I received no actual reply. On XX/XX/XXXX I called in and spoke with a representative after XXXX minutes hold. The rep collected the exact same information that was submitted on the XXXX application. I asked for other options and was informed I would receive an email or a letter ( rep said OR and could not confirm which ). I have received no information.
On XX/XX/XXXX I received an automated message stating I had called in and a rep had helped me so my online request is now closed.
I logged into AidVantage to find my loans had been placed in XXXX without my authorization.
The only contact I have received have been payment due notifications and my XXXX interest from my loans being placed into an unauthorized XXXX.
Its disheartening knowing AidVantage is a subsidy of XXXX who has been operating XXXX XXXX for profit for years.
Thank you, XXXX XXXX
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| 09/26/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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|
Web |
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Hello I started XXXX XXXX XXXX in 2016. We applied for XXXX XXXX loan, received it and paid it off years ago. XXXX XXXX is the only student loan that I had or new of. This week I received a statement from aidVantage that I owed {$6500.00}. I have never new about this so called debt. I contacted my parents who advised the only student loans we had were with XXXX XXXX and they were paid off years ago. I contacted my school, Student Aid.gov and aidVantage. My school said my school loan debt has been paid off. Student Aid.gov said they show we owe this along with aidVantage. I have never received ANYTHING from ANYONE about this debt. It has been 8 years!!!! Nothing was ever sent about this debt. This is not right. You can see on my XXXX XXXX that payments were made each month and now paid off. We would have done the same on this loan if I would have know about it. Please help me. If I owe it, I will pay it but I don't feel that I should have any interest accrued since I didn't know about it and no one can provide me with any documents. Why wasn't anything sent to me in 8 years? My parents haven't moved, phone numbers haven't changed! Please Help : )
|
| 12/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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The Department of Education, through multiple servicers has added arbitrary debt to my loan on multiple occasions, some as long as ten years after I had already left school.
They are adding thousands of dollars at a time to my debt load without explanation and have done so on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Before these dates all records are missing.
They have no records of the payments that I have made since XXXX.
They keep adding to this debt and every time I try to submit a complaint with the Ombudsman, the Department of Education sends the complaint to the exact same individual working for my current servicer who continues to issue the same nonsense response every time.
They say that I owe them tens of thousands of dollars, even though I have an approved application through Borrower 's Defense under Sweet V Cardona.
They tell me that they have sent me multiple checks that I have never received.
They say that I now owe for these checks.
I am on an IDR plan with {$0.00} dollar payments, and have been paying since XXXX, over 20 years on an XXXX degree, but for some reason the debt remains and grows.
I don't know what to do.
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| 11/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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My original servicing loan provider sold off my loans to Aidvantage this past summer in XXXX. I have not been able to resolve outstanding problems that I was experiencing with my original service provider before my loans were sold to Aidvantage. Since Aidvantage has become my service provider, they are unable to help with my former issues and they have not provided resolution to my concerns about payments. At this time Aidvantage has not provided me the transparency and payment detail of how my monthly payments are being applied, how interest is being calculated, and how additional payments that I am making are being handled ( i.e. is this applied to principal before next monthly calculations )? To not have transparency or understanding the math behind their payment calculation is raising concerns with being overcharged with interest and not getting the benefits of paying down principle with additional payments. I have made multiple inquiries in the past couple of months and no one has provided me a response. I do not want to not pay my monthly payments and further incur higher interests, but I am a captive to their lack of response.
|
| 05/18/2022 |
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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XX/XX/2013 when I first went in to get information about XXXX University & decided to signup due to the information that was provided to me at the time from the school itself, the admission counselor completely mislead me into believing that they offered student loan help and assured me that based on my income at the time which was none, I would not have to pay any loans because I supposedly was able to qualify due to my financial status in that moment. Sometime after graduating I started to notice on my credit report that I owned over $ XXXX in student loans for an XXXX XXXX XXXX of XXXX years in XXXX XXXX XXXX for which I was completely manipulated & groomed by the counselor to not dropout the school & to get into their XXXX XXXX due to the fact that I wanted out so they suggested I just had to change to a different program. I was completely misinformed & gaslighted into the program. My credit report shows many inconsistencies for all off the loans that the school signed me up for. At this time I've been trying to fight for years to get these student loans removed from my credit due to the misinformation that was provided.
|
| 11/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
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|
Web |
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I applied for the SAVE program on XX/XX/XXXX.
On XX/XX/XXXX, I was told that I needed to provide proof of income even though I had already granted permission to use my tax returns. On XX/XX/XXXX, I was given notice that my payments would not change, even though my income qualifies me for a {$0.00} payment. Please note that my wife, using the same financial info, was accepted into the SAVE repayment plan before the end of XXXX.
It is now XX/XX/XXXX, and my application is still pending. I have spoken to multiple customer service representatives. They each give me different timelines for approval ( 1 to 2 weeks, 60 business days... each representative gives different answers ).
I am actively trying to provide documentation to a mortgage company to obtain a mortgage. This wait time and lack of answers could put my mortgage qualification in jeopardy.
Additionally, I have requested documentation on one of my two loans several times. Each time I'm promised to receive the document in " a few hours ''. Days go by without the document being emailed to me.
This loan servicer is causing great financial harm to me and my family.
|
| 11/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
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Web |
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Loan amount not correct and keeps changing on online portal. At one point shoed zero balance, then showed amount with what appears to be accrued interest, but no monthly payment owed or ability to make a monthly payment. Now website is down and unable to log-in. Customer service hold times are too long and keeps dropping my call on hold. can't get through to anyone and don't know what my loan amount actually is, what my monthly payment is, or what my accrued interest is. I would like to 1 ) ensure I am not delinquent on my loan as I am in the middle of underwriting on a home purchase and 2 ) I don't want to pay accrued interest if I can't make a payment, access my loan information, or get accurate loan information. I don't know how a servicer could possibly be worse than Navient, but the federal government has successfully succeeded in signing an even worse loan servicer contract. Please HELP!!! Get these servicers to respond, post accurate account information and provide adequate staffing for customer service. It's criminal to charge interest without creating an ability to pay the actual loans or access the amount owed!
|
| 01/27/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
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Web |
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My original loan servicer was XXXX XXXX XXXX and I was laser moved to XXXX XXXX. They were aware that I was going for PSLF but gave me incorrect information multiple times. First they failed to tell me I needed to fill out a deferment waiver while in school and working full time in public service for that time to count towards payments - that lost me 4 years of PSLF time. Next, they put me into a forbearance when I qualified for {$0.00} IBR payments and told me I was on a qualifying payment plan - this lost me another 31 months of PSLF time. Lastly, they failed to tell me that my XXXX loans did not qualify and actively told me they did since they were owned by DOE. Luckily the waiver will correct the last issue but it does not go far enough to correct the wrongdoing of the loan servicers in the early years of PSLF. My public service work is certified since before the beginning of the program - 2006 - but I still have many years until I reach forgiveness because servicers did not have my best interest in mind. For the program to work the way it was intended anyone with 10 years of service should be automatically forgiven.
|
| 09/26/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
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I reported to AIDVANTAGE when they took over my student loans from XXXX XXXX XXXX that the amount was inaccurate - they have added on additional amounts on a promissory note from a XXXX XXXX XXXX XXXX which attended school in 1991 - I need {$35000.00} removed from this account because it is inaccurate and NOT MINE, as I have proof that I received federal pell grants and only went for a XXXX degree which could NEVER had charged up double that on a student loan in the first place. When told there was an investigation done- which took about 10 days ( total XXXX ) they did not request information from the previous providers nor did they do any contact to the school or due diligence in reference to this said " investigation '' whatsoever. I need the additional amounts removed so I can begin paying on my student loans that I do owe. I want this resolved immediately or I am sending a letter to the attorney general and taking them to federal court for lack of information on their part to charge me incorrectly for someone else 's loan accountability. I need this to happen within 10 days or I will move forward with this claim.
|
| 12/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
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Web |
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I paid off my loan of : {$54000.00} completely in about XXXX. I started receiving bills from " Aidvantage Official Servicer of Federal Student Aid '' in XXXX saying I owed interest that was not paid before of : {$2200.00} ( unpaid principal ) is what it is called on my bill. I fought with them for months... finally paid it in full in XXXX of XXXX just so my credit was not hurt ... THEN I get a XXXX bill yesterday for Unpaid Principal of : {$410.00}! and CURRENT AMOUNT DUE OF : {$650.00}! After I paid it in full last month! I called 3 x I got disconnected twice after the person could not help me ( 1st call ) 2nd call, she tried to transfer me to a supervisor and hung up. ( 3rd call ) spoke to XXXX XXXX ( was helpful ) but agreed that I paid my full balance last month and she does not know why I got this bill... not helpful. she said she requested it looked into. my account # is : XXXX - This is exhausting, and this is why I paid the {$2200.00} last month because I did not want my credit hurt. NOW I get another balance due and I believe this is fraud. all of it, i want a refund of my {$2200.00} that I already paid too.
|
| 10/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
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I had called Aidvantage to request a refund of all student loan payments I made during the XXXX period. The Aidvantage representative who helped me at that time had submitted my request for processing, on XX/XX/2022. 2 months later ( XX/XX/2022 ) I check my account and noticed that only a partial amount of the refund was reinstated to my account. I immediately called Aidvantage about that discrepancy and the representative informed me that whoever submitted my initial request had filled it out incorrectly and only submitted the partial amount, which the XXXX Treasury had approved/processed. So now, I had to request a second refund request for the remaining balance, and it'll have to go through the entire waiting process all over again. I am very upset that the first representative had submitted the first request incorrectly because now I have to wait another 2 months to get that resolved.
I'm sending this complaint in with the goal of communicating my frustration and for Aidvantage to do their jobs correctly because now I need to wait for the second request to be processed before applying for the XXXX XXXX XXXX.
|
| 11/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
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Web |
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|
I have called my new student provider Aidvantage, to correct my monthly payment now that my loans were transferred to them from XXXX. I keep getting letters that my monthly loan payment is ~ {$1500.00} however they keep failing to add my wife 's loans which brings my payment to ~ {$1200.00}. I have called several times to get this corrected ( three times between end of XXXX and XX/XX/2022 ) and I keep getting told all is fixed but then get the same letter with the incorrect payment.
I would like this to finally be corrected, but better yet, feel that if Aidvantage can not get this right, there are probably many other cases like mine out there. This leads me to believe Aidvantage is not prepared or well equipped to handle/service student loan payments.
I don't know what else to do considering payments restart in a two months and am afraid they will not get it right and it will set us back financially.
I was told it was the Department of Education because they keep saying she does not have loans. As you can see in the letters attached, I have been given many monthly payments from ~ {$990.00} t0 ~ {$3500.00}.
|
| 10/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
Aidvantage denied my application for an income driven repayment plan that was approved by and sent to them by the department of education because I had regularly paid on my loans during the payment pause. Yes you read correctly, Aidvantage said because I was paying my loans during the pause that my loan was in paid ahead status. and because my loan was in paid ahead status, I could not be placed on an IDR plan. So basically I was punished for paying my student loans during the payment pause. The denial of my IDR from aidvantage said I had to call Aidvantage customer service and request to be taken out of paid ahead status. It took over an hour for me to reach someone and when I did, it took another hour for them to research my account only to end the phone call saying they have put in a request to have my account removed from paid ahead status and to call them back in 9-10 days to see if my account has been taken out of the status and to reapply yet again for another income driven repayment plan at that time. It should be noted that I am also under PSLF as a federal employee and the IDR plan was tied into that.
|
| 02/17/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
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Web |
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|
I included a student loan in a Bankruptcy that I needed to file back in like XXXX and it passed through the Bankruptcy court. 20 some years later XXXX XXXX XXXX said that because I consolidated all my debt that that portion the student loan did not pass through. I have tried to talk with these people through the years { XXXX XXXX XXXX XXXX to try and come to some kind of resolution to this and they have been totally unwilling to work with me at all. The amount of the loan was XXXX dollars taken out to attend a XXXX college back in XXXX. The bankruptcy was filed before they { student loans } could not be included in a bankruptcy. It was in I am thinking XXXX when they threatened to start garnishing my wages unless I started making payments. The amount of the loan with interest is now like XXXX dollars. I have learned through the media that XXXX XXXX XXXX has fraudulently charge loan holders of past loans and am hoping that you can help me to resolve this issue with this company, Thank you for your time in looking into this and hopefully giving me some kind of guidence in the steps I need to take next. Thank ou
|
| 09/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
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|
I called and spoke with an Aidvantage customer service representative and their supervisor on XX/XX/XXXX. I noticed that my loans did not correctly show " in school status ''. Aidvantage refused to correct it I also spoke with them about the same issue in the fall of XXXX, and it was still not corrected. I was told that I would receive a paper form to be filled out in XXXX hours. I never received the form. I sent a follow up email to Aidvantage about the ongoing problems on XX/XX/XXXX and to the US Department of Education, I have not received and email back from either. I paid to have XXXX update my status to in school and resend it to Aidvantage. Aidvantage updated XXXX of XXXX loans to show " in school ''. On XX/XX/XXXX I attempted to call them, but was told their offices were closed despite it being during normal business hours as listed on their website. I sent another email to them asking it to be fixed, but I am still being charged interest erroneously on the subsidized loans while in school, and now they want me to make payments on them, even though I should not have any payments due until I graduate.
|
| 03/08/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
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I am not sure what I need to do about the school XXXX XXXX of XXXX being closed down for stealing money or money laundering. They never told me a loan was being taken out in my name much less 4 student loans. I dont understand how they got a loan in my name with me having no credit at all. I have taken out one loan in my whole life it was for {$300.00} with XXXX XXXX and thats it. They had me believing that I was receiving a grant and would not have to pay it back because I was a XXXX XXXX and was not employed at the time. This has been going on now for almost 3 years I have been trying to get this off my back so I can go back and finish college and receive my XXXX XXXX in XXXX XXXX. I really need some financial support here when I call I can never get anyone who is willing to help me get through this and just get it out the way so I can move forward with my life and go back to college basically just a fresh start. I know they have all kinds of financial support due to Covid 19. Am I eligible for any of those options. Please get back to me I so definitely will be waiting for a response.
XXXX XXXX XXXX
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| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have student loans through AidVantage. I was a young mom of XXXX, went to school and later divorced and a single mom. My loans have always been on either deferment or on an income contingent based plan and my payment amounts are {$0.00} a month. On my credit it shows that I have 12 missed payments from XXXX. I have called AidVantage several times. I was told that my accounts came out of deferment on XX/XX/XXXX and went back in to deferment on XX/XX/XXXX. Let me be clear, that is not even 30 days. I didn't have an amount owed because they were in deferment. It shows that I do take this seriously, the accounts were current before this and have been since then. I am being severely affected in my life now from these negatively impacting my credit. I have asked if they would remove the so called missed payments and they have repeatedly told me that they can't, that I have to dispute with the credit bureaus, but they would send me a credit reference letter to make up for it. I am trying to buy a home and these 12 " missed '' payments are severely affecting my credit score. Without them I would have a XXXX+.
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| 05/10/2023 |
Yes |
- Student loan
- Private student loan
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX. FL XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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| 12/18/2021 |
Yes |
- Student loan
- Federal student loan servicing
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I sent a letter exercising my Equity and disputing the student loans asking for the MPN asking for the school to send me the " Original Instrument of Indebtedness in it's original form ''. I've gotten no response back from XXXX XXXX XXXX XXXX ... even though I have a certified mail receipt saying that they did indeed receive my dispute letter on XXXX. This is now a violation of the Fair Credit Reporting Act and I intend to follow through with a law suit ( as I have a paper trial ) FCRA SECTION 611 Part ( A ) ( 1 ) failing to respond in 45 days. I also sue for the max for also noncompliance. If this item is not removed from my credit report.
The company also claimed to not have me in their system from the last complaint submitted on XXXX ( Complaint ID # XXXX ) despite having my FULL name and address. This is my last attempt, if XXXX does not remove this from my credit profile I file a lawsuit and enforce my rights under the Fair Credit Reporting Act.
Therefore, I will provide my ENTIRE social security number and date of birth. So there should not be any reason for XXXX to not verify my identity.
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| 11/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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Backstory My loans were originally held with XXXX and I paid down the majority of those loans during the emergency forbearance period. My account was transferred to Aidvantage in XX/XX/XXXX. The new loan balance with them was {$12000.00}. I paid that off in XX/XX/XXXX.
XX/XX/XXXX -- Called Aidvantage to request a {$20000.00} refund on my paid in full loans -- Told that the additional {$7500.00} would require a payment history request from XXXX XX/XX/XXXX -- Called in for an update and was quoted 6-8 weeks of processing times -- This appears to be date that my request was officially submitted XX/XX/XXXX -- My loan balance was updated to {$12000.00} on Aidvantage 's website.
-- I was told that the request for {$7500.00} was re-submitted on XX/XX/XXXX -- I am now being told that my request for the {$7500.00} will take an additional 12-14 weeks Since then, I have been trying to get information on what has been happening. I am constantly getting hung up on by account representatives. When asking for an escalation to a manager the hold times are 1hr+ and results in hang ups before speaking to anybody.
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| 12/30/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I attended school and loans were taken out to obtain my B.S. degree. However my loan balance original was XXXX. My loan balance increased by XXXX. Several calls and inquires were completed via phone call to reach out to loan service agents such as XXXX, XXXX, and now Aidvantage. I have also submitted certified documentation to each agency. Prior to this amount of XXXX being added to my account I spoke with a representative requesting that foreberances be witheld from being added to my account to determine the balance for which I owed to determine if I was approved for an Income driven Repayment plan. I found out in the year of 2021 I was approved for a Income driven Repayment plan. I was also told a Consolidation was completed by XXXX, and as my acount travel to the different agencies, each agency redirected a consolidation application being completed by a previous agency. I XXXX XXXX did not authorize a Consolidation application, nor completed any loan counseling for a Consolidation Application.
Please see all of the needed dates and research completed provided within the attached documentation.
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| 09/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I have had multiple problems with Aidvantage, which apparently has now been named my student loan servicer. First, I have only just now received my first billing statement from Aidvantage - only 10 days before the first payment is due rather than the 30 days required, as per federal law. Second, my student loan servicer was previously XXXX and was transferred to AidVantage without my receiving notification of the transfer. Third, I have tried calling AidVantage multiple times and am continually disconnected after multiple hours of holding without having the opportunity to speak to a representative or registering my complaint. Fourth, the original date listed on AidVantage 's website for the loan becoming due occurred 3 months before I graduated, although this date did fall during the payment pause. This loan servicer is in clear and flagrant violation of existing federal statutes by not following legally mandate notification requirements before the first payment is due. I would like to use another servicer, if at all possible, and if not I would like to file a claim against AidVantage in court.
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| 10/31/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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On XX/XX/XXXX, I made a payment for {$52.00} on my loan. I got email confirmation from it and that it was processing and then that I was confirmed. When I checked back on the website it said I was past due and I owed money. So I paid it again on XX/XX/XXXX for {$150.00} to make sure I wasnt get late dues or affecting my credit score.
I then received an email on XX/XX/XXXX saying the payment had posted on the website. It hadnt, I went back and checked it says that my payment was reversed.
I do not want this to affect my credit score when I have proof I am paying my loan on time.
I also tried to make payment on these days as well on XX/XX/XXXX for {$150.00}, XX/XX/XXXX for {$150.00}, XX/XX/XXXX {$150.00} and XX/XX/XXXX for {$150.00}. I reached out then and never heard anything. I assumed since loans were paused at the time it didnt matter and maybe that is why they were being reversed.
I never had a problem paying my loan before and I have always been on time until the loan payments were paused now I can not pay them and I would like to be finished with them and not affect my credit score.
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| 08/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Received a call back in XX/XX/XXXX about student Loan Forgiveness. Spoke with a XXXX XXXX, who said he worked for XXXX XXXX. Discussed how to reduce my student loan amount. So I paid {$230.00} from XX/XX/XXXX to XX/XX/XXXX. Then, payments were paused. I thought I had paid a little over {$1100.00} towards my loans to reduce the amount.
Then, once I got an email from Aidadvantage XXXX XXXX regarding my loan payments are to resume soon. I looked into my account and saw none of my payments I had done from XXXX 2021-XXXX 2022 reflected. I called customer service on XXXX XXXX and spoke with a representative who informed me it sounds like fraud. Since I would have to work in public service to get forgiveness. Since Im a stay at home parent I wouldnt qualify. The representative then gave me the number to their Fraud department which l called and spoke with another representative. She had me fill out a feedback form and inform to file a complaint with the Consumer Protection Bureau. So now I filing a complaint regarding fraud. I will be contacting my bank, XXXX XXXX XXXX XXXX, regarding this as well.
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| 12/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Maximums is the owner of Aidvantage and they are a mis-managed and fraudulent company. Aidvantage has changed their names too many times to be credible. I was sent an email that all my student loans were forgiven and the balance for all of my loans was {$0.00}, two months ago. Now on the same website it shows that I have a past due balance. Prior to being sent the notification that I had {$0.00} balance due to the Biden loan forgiveness program, I submitted a request for a forbearance.
I would like to file a formal complaint against Maximus, as well as Aidvantage or whatever they are calling themselves. Maximus and Aidvantage do not need to be the service company managing any student loans. The Dept. of Education and the Financial Aid System needs to manage these programs. Aidvantage and Maximus are both fraudulent companies.
I have again requested a forbearance request as of today and am awaiting their response. Aidvantage notified me of my XXXX balance for all my student loans as well as all parent plus loans in my name.
In Jesus Name please put Maximus and Aidvantage out of business.
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| 11/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I use Aidvantage. On the online portal, the information provided indicates that if I use autopay, then the " amount due '' always displays as {$0.00}. I set up autopay for my loan in the weeks before payments resumed in XX/XX/2023. However, Aidvantage did not autopay my loan for either XX/XX/2023 or XX/XX/2023 ( my monthly due date is on the XXXX of each month ).
I have tried calling the Aidvantage customer service line on two occasions over the past 2 months, but I am never able to speak to someone even after being on hold for upwards of 20 minutes. I do not want to make manual payments and then have Aidvantage take another month of payments from autopay, and even though I set up autopay I am still being charged interest on two monthly payments that were supposed to be applied but never were. I get a benefit of a slightly lower interest rate for autopay that I do not want to lose.
Combining this with Aidvantage not picking up the phone and displaying my loan as being up to date on payments, even though Aidvantage is not charging me, makes me extremely worried about compounding interest.
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| 10/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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My due date for my payment was scheduled for XX/XX/2023. I contacted via email two weeks before. I did not get a response. I called multiple times the following week and was on hold for over 40 minutes numerous times and never got through to a representative. Instead the call would state to call the exact number I was on the phone with already ( XXXX ) XXXX and would hang up. This happened multiple times throughout the day and on different days of the week. I continued to follow up with another email. Again, no response. Due date approached and I was unable to make the change for my due date thus considering my payment late. I continued to email and call and still have not received a response and it is now XX/XX/2023. This is frustrating because I have other questions regarding my payment and loans and I continue to not get a response. I am currently on the phone and have been on hold for the last 47 minutes. I understand that with the new payment restart dates for everyone they may be busy taking calls, but I have zero hope of even getting an answer despite waiting for the last 47 minutes.
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| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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These items need to be removed from XXXX, XXXX, and XXXX these aren't my accounts and were told they were going to be removed and I will seek pressing charges XXXX 1.XXXX account number XXXX date opened XXXX XXXX original balance {$390.00} 2. Inquiries XXXX XXXX inquiry date XXXX not my inquiry XXXX XXXX Inquiry XXXX not my inquiry XXXX XXXX inquiry date XXXX not my inquiry XXXX inquiry date XXXX not my inquiry XXXX XXXX inquiry date XXXX not my inqiury 3. Us Department of education/Aidvantage accounts have been paid 4. XXXX XXXX XXXX account number XXXX not my account 5. Late payments from XXXX XXXX account number XXXX XXXX 1. Inquiries XXXX XXXX XXXX Inquiry date XXXX not my inquiry US Department of Education inquiry date XXXX not my inquiry 2. XXXX XXXX XXXX Account number XXXX not my account 3. Us Department of education/Aidvantage accounts have been paid 4. late payments from XXXX XXXX account number XXXX XXXX 1. XXXX XXXX XXXX account number XXXX not my account 2. Us Department of education/Aidvantage accounts have been paid 3. late payments from XXXX XXXX account number XXXX
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| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I tried on 3 separate occasions to get a 2 90 day late reporting removed from my credit. I was in a forbearance program and admired to the hospital during one of the renewals. It was a system error that showed my account in default of 90 for the month of XXXX for 2 years in a row. This has caused me horrible problems in accessing new lines of credit during a critical time of my life. I have documents to prove I was keeping in contact to the best of my ability with the exception of when I was in the hospital and not checking email. I was very sick. Despite me 3 attempts for them to remove my 90 day late status it went unresolved. Now the company has gone out of business and I dont know if I will ever be able to remove this false and inaccurate information because that company reported in error there were many people with the same complaints so I hope you get multiple people to respond about unfair credit reporting practices that need to be regulated. They sent me documents saying my loan was approved for deferral status and then in XXXX of two different years hit my credit with a 90 late.
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| 10/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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My student loans service changed from XXXX to AIDVANTAGE. I have been trying to make a payment since XX/XX/23 and AidVantage keeps reversing my payments with no reasons as to why they're not accepting my payment. I called my bank and they had no evidence of aidvantage ever trying to collect payment. Aidvantage keep reversing the payment themselves! I tried emailing them 6 times and I have not heard back from anyone. I tried making a payment over the phone and it cancelled my payment and hung up on me. I tried calling customer service and after waiting for a whole hour for someone to pick up, they hung up on me! I have tried to make a payment over 4 times and I have the proof if needed. This is incredibly frustrating and unfair. I researched this enough to find out that this is happening to many others and I am convinced they are doing this in purpose to accrue more interest from us. I am reaching out to my local congressman for help because this company does absolutely nothing to help their customers and they need to be held accountable. Worst customer service I have ever dealt with.
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| 11/17/2023 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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Upon seeing that Aidvantage was my loan servicer, I created an account and set up automatic payments. As I had cash on hand, I attempted to pay {$3000.00} towards one of my loans, the one with the highest interest rate, to get a head on its interest accumulation. On XX/XX/XXXX I submitted this payment. A few days later I noticed that the money had not been taken from my bank account. On XX/XX/XXXX I had assumed I made an error typing in my routing number or similar. I entered it in a second time taking considerable care to ensure it was correct. I thought that should be that, and when I checked my account on XX/XX/XXXX, I saw that once more the payment was reversed. I called Aidvantage, but after an hour on hold without having spoken to a person, I had to go back to work. On XX/XX/XXXX I resubmitted my payment, and noticed that interest had begun accumulating on the original loan amounts, which I had been trying to avoid for two months now. A further attempt to contact the Aidvantage today had been similarly fruitless, and now at the recommendation of family I am filing a complaint.
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| 06/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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AidVantage is horrible. Customer service is filled with rude, incompetent, and unprofessional representatives. These are student loan accounts that these folks are responsible for. I did a consolidation application a month ago via StudentAid.gov in which I added two loans, but only one was added to the consolidation {$7000.00}. Received a letter a week ago stating that consolidation was complete and that I had 10 days to add additional loans to the consolidation. I called AidVantage and was hung up on twice. I finally reached someone who added the {$2800.00} that was missed from the initial application then a week later, I received a letter stating that the application had been denied due to applicant canceling the application ( 07 ) which is not true -- a bold faced lie. I am on the phone now trying to reach a supervisor in which I was told by several customer service reps that it was very hard to reach a supervisor. Someone in this company has denied my previously approved consolidation application and is stating that I sent an email canceling which is not true. Horrible company.
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| 09/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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This company repeatedly sends me a giant bill while refusing to answer the phone, contact me, or allow me to leave a voicemail or submit a complaint. If you call them, you will be placed on hold for 5-10 minutes before being sent to a voicemail box that is full. Then the line immediately disconnects. I submitted a complaint with the federal government and they tried calling me after that but i missed the call- the caller did not leave an extension number so when i called back, i was placed on hold for five minutes before being transferred to a full voicemail box and hung up on. There is no way to contact them, no way to leave a message, no way to schedule a call back, no way to stop the interest building up because of their lack of attention to my application. I applied for XXXX on XXXX XXXX XXXX. My application was processed quickly but nothing ever happened- i never received denial, approval, or more i formation to continue with. My income is $ XXXX and they keep sending me information on how to pay them {$600.00} in XXXX but can not be bothered to make contact with me otherwise
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| 11/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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Hello I am having issues with my loan servicer Aidvantage, my first payment was processed on time on XX/XX/XXXX and I tried to set up auto payments going forward with the first one scheduled for XX/XX/XXXX. When XX/XX/XXXX arrived I saw that my auto payment was not processed and no money then out of my bank account even though I had submitted it and received email confirmation the auto payments were approved. I called and they said it take a few days to process. However when I logged back in on XX/XX/XXXX it was saying my payments were past due. I decided to cancel my auto pay since it does not seem like it working and the one-time payment I made in XXXX was successfully processed. I am frustrated with this company because it does not appear that they are able to process payments on time yet they will show up on your profile as past due even if it is entirely their fault for not processing payments properly. I have a separate loan with another servicer and I have never had an issue with them processing a payment. Nothing should show as past due if a payment was already submitted.
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| 11/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I had continued to make payments on my student loans during the pandemic until I had it completely paid off. I then heard you could get a refund and that it would be forgiven and no repayment would be required.
I called to inquire about it and was instantly told that I would be receiving a refund in about XXXX weeks. There wasnt anything asked or required of me besides my social security number. I thought it was odd but figured it was part of the pandemic process.
NEVER once was I informed that the possibility of having to pay it back could be on the table. Nor was I required to sign anything saying I agreed to pay back if needed. I feel I was scammed.
I feel it was a terrible guise to create more debt for already struggling people that could use a break to get caught up.
There is no way I would have accepted the refund if I knew I had to repay it. I HAD JUST PAID OFF MY DEBT TO THEM!
I have called the customer service number and the automated system says that I dont have a current balance yet I continue to receive past due letters for this account that I never created.
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| 06/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Only the holder of the original note can collect on the debt that exists on the instrument. If you did not sell this instrument I need you to produce it. If you did sell my instrument you should have contacted me to inform me prior to doing so. Your company is furnishing an account to my consumer report without my permission. I am requesting the original document and physical proof one exists that gives your company permission to furnish this account to my consumer report. This document must be a bilateral contract between your company and my self that gives your company permission to furnish this debt on my consumer report. You must prove that I am the obligated party for repayment to you or delete this account from my consumer report. Providing a statement that you have an agreement with another company and not me is not sufficient proof that I owe your company anything. Continuing to furnish this account to my consumer report without providing the requested information is FRAUD and a violation of my consumer rights and I will not hesitate to bring legal action against you.
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| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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After reviewing my credit profile on XX/XX/XXXX, I identified a discrepancy with account listed under DEPT OF ED/AIDVANTAGE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX, there have been no updates and account is still reflecting on the report. I do not belleve the account belongs to me nor do I belleve that the creditor has authorization to access the account nor authorization lo attempt to collect on the account and the account continues to negatively affect me please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
I
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| 03/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I am writing this dispute report in regards to all my student loan partial accounts XXXX I have been receiving loans since XXXX, and I am currently enrolled in a XXXX XXXX My payments for the loans are scheduled to start in XX/XX/XXXX.
Upon reviewing my account activity, I noticed that there are negative activities that have been reported on my account. I believe that these activities are inaccurate and should be removed from my account. The negative activities include missed payments and late payments, which I do not believe are accurate.
I believe that these negative activities may have been the result of an error on the part of the loan servicer or a reporting agency. I would appreciate it if you could investigate this matter and correct any inaccuracies that may be present on my account.
I would like to request that the negative activities be removed from my account, as they are not accurate and do not reflect my payment history.
Thank you for your time and attention to this matter. I look forward to hearing back from you regarding the outcome of this dispute.
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| 06/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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This letter is to dispute the accuracy of the below listed accounts. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information on my personal credit report.
Attached is a copy of my 3B credit report showing XXXX student loans being reported by your servicer. Upon examination of the attached 3B credit report you will see there is a plethora of inaccurate, incomplete and missing information being reported across all three credit bureaus. This is a violation of my rights under the Fair Credit Reporting Act. I demand that you fix all incongruent information immediately and report identical information to XXXX, XXXX and XXXX. Please fix the following for each account : last updated, balance, all payment history, closed date, last activity, terms, scheduled payments, account number and comments. All information should be identical across the three-credit reporting bureaus.
Thank you for your immediate attention to this matter. I look forward to seeing this information update promptly.
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| 12/07/2022 |
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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To whom this XXXX concern, I just recently discovered that there is some unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized, and I do not approve for it to be reflected on my credit report. It is inaccurately reporting on my XXXX credit profile, as it does not show upon my XXXX and XXXX credit profiles. I believe that I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized. I have tried numerous times to contact this well as XXXX regarding this inaccuracy. I have sent a cease and desist, XXXX XXXX XXXX, XXXX XXXX letter asking to accurately verify this collection/debt through certified mail also explaining my rights and consumer laws that have been violated by their company ( XXXX ). I have received XXXX results from these company ( XXXX ). I am insisting that they be deleted from my credit report as soon as possible. There is no proof of my authorization or consent, my signature or proof of debt/contracts.
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| 11/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
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Web |
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I called Aidvantage on XX/XX/22 to request a refund of {$1900.00}. The refund was for funds that I had paid during the XXXX payment pause. I was told it would be processed and I would receive a refund in XXXX weeks. I called back about XXXX weeks after my request to check the status since I had not received the refund. They said that the time frame had changed to XXXX but my request was approved and I didnt need to worry. Throughout this there was no way to get a tracking number or any confirmation outside of verbal confirmation. When I called back XXXX weeks later XX/XX/22 I was told that it was approved but never processed so the request was not sent to the XXXX XXXX As of the XXXX I was told this has been processed and expedited but since the Treasury is back logged it will still be an additional XXXX weeks. This will leave me without a refund for up to XXXX weeks from the original request all due to them not properly submitting my request. They said there is nothing more they can do. I find them XXXX XXXX at fault and I am left without money that is rightfully mine
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| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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These 4 student loan accounts were disputed for showing incorrect information. The report came back verified but that would be impossible because it shows late payments incorrectly. It jumps from XX/XX/XXXX as paid to XX/XX/XXXX as 90 days late then XX/XX/XXXX as 120 days late that's impossible. This report has been reported falsely for over 3 years and they will not conduct the proper investigation. 4 accounts not being shown as 4 120 day and 90 day late payments shows up as 8 late payments for over 3 years when they were never reported correctly to begin with.
15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
|
| 06/14/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
XXXX In XXXX I started repaying my XXXX student loans. XXXX was extremely difficult work with in terms of getting help on repaying loans. After hours on the phone I entered into an income - driven repayment plan request. XXXX than on XX/XX/XXXX changed the terms of the loan. On XX/XX/XXXX my deferment was approved because XXXX terms or repayment plans could not get me below {$300.00} a month. I got another email about more loans on XX/XX/XXXX I combined and got another deferment. On XX/XX/XXXX my deferment ended. The US dept of Education assigned XXXX again to my loans in another email on XX/XX/XXXX. My loan payment terms were changed again on XX/XX/XXXX to {$360.00} a month. Instead of helping me find a more affordable option while I was on XXXX XXXX they suggested I did forbearance. I feel like the company made it so hard. I had to pay all or nothing. I would have loved to been able to make just {$100.00} payments each month but XXXX said that they repayment options didn't allow that and that my loan would be considered delinquent if the entire amount wasn't paid.
|
| 10/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
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|
i called on XXXX XX/XX/2023 was on hold for XXXX hours and my son sent an email to them concerning my bill. We were suppose to hear back within XXXX business days and today makes XXXX business days since my son sent the email. I called the place again today XX/XX/2023 and in the conversation with customer service, the lady told me that they had sent an email out on XX/XX/2023 for payment due by XX/XX/2023. However, i have never received an email at any point during XXXX or after the date that the customer service lady gave. The bill i received on XXXX XX/XX/2023, was the first time i received any information about payment for my loan from this servicer. On this bill, there was a notice of a past due on payment for the XX/XX/2023 bill of the amount of {$51.00}. This was combined with the payment for the next month due date which is XX/XX/2023 for a grand total of XXXX due by XX/XX/2023.
Comment from the customer lady was that they only send out notification of bill by email and not mail. The only reason you received a paper bill in the mail is when it is late.
|
| 01/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
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Web |
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I applied for a refund of {$10000.00} for student loan payments made during the XXXX payment pause in XXXX, XXXX. At the time, my loan servicer was XXXX. I followed up with XXXX multiple times in the months of XXXX and XXXX and was told my application was pending. In late XXXX, XXXX I received notification that my loan was being transferred to Aidvantage. I have tried multiple times to register for my account on Aidvantage since then. When attempting to register my account, the Aidvantage system is telling me " account not found ''. I called Aidvantage in XXXX and XX/XX/XXXX and was told that they could not find my account either time. I was told in XXXX that it could be XXXX, XXXX before I received account information. As of today, XX/XX/XXXX, I have not received any correspondence from Aidvantage about my account other than a confirmation that they received a complaint filed. I also am not able to register on the Aidvantage website and still get the " account not found '' message. At this point, I am not sure if my application for a refund is even still active.
|
| 01/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
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My student loan servicer is Aidvantage. I was transferred to them this past calendar year after XXXX shut down. I recently received a notice in the mail on XX/XX/XXXX, XXXX that I was past due on my loan payments, even though the Department of Education XXXX to payment moratorium through XXXX of XXXX. Aidvantage is saying that I missed a payment on XX/XX/XXXX and now also owe a payment due on XX/XX/XXXX. When I reached out on XX/XX/XXXX, to inquire why this was, their response to me on XX/XX/XXXX was generic and not at all a possible solution or reason for the issue. I would like to know why Aidvantage is telling it's clients that they owe on loans if the federal government has paused all payments until the litigation through the Supreme Court is resolved. I have worked hard over many years to build my XXXX XXXX to an " excellent '' rating and these erroneous " missed payments '' notices from Aidvantage could ruin that. I am worried that many other people have received similar notices from Aidvantage and I would like the company to resolve this issue immediately.
|
| 09/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
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My federal student loans are currently serviced by Aidvantage. I recently submitted paperwork to consolidate my student loans. At XXXX. XXXX on XX/XX/2023 I received an email from XXXX with the subject line " New document ready to view! '' In the body of the email it says " For your privacy, we have secured this document in your Aidvantage inbox. '' and then it has a big purple button that says " view your document. '' This email appeared to me to be coming from Aidvantage. However, when I clicked on the " view my document '' button it took me to a different website with the URL " XXXX. '' I've never heard of this website. It does not appear to be Aidvantage. My browser flagged this website as unsecure and said " Your connection is not private Attackers might be trying to steal your information from XXXX ( for example, passwords, messages, or credit cards ). Learn more '' and that " This server could not prove that it is XXXX ; its security certificate expired 137 days ago. This may be caused by a misconfiguration or an attacker intercepting your connection. ''
|
| 10/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I applied to be enrolled in the XXXX plan over 2 months ago with aidvantage and was asked to verify my information for which i did. I have yet to receive an update on my application. Today is XX/XX/2023. My loans continue to accrue XXXX XXXX XXXX a month. I contacted Aidvantage a few days ago. After waiting hours on hold and being hung up on once, I spoke to a representative who could not tell me when I would be or if I would be actually enrolled in the XXXX plan for which I meet and have proven ALL criteria for. This representative could confirm that my application was complete and there was nothing else for me to do that it was " under review ''. As a result of them not being able to timely process my application/process my application at all I will continue to ACCRUE interest that I would otherwise not accrue under the plan for which I am eligible. this is malfeasance at best and fraud at worst as this directly leads to increased revenue for the company handling my loans as I must continue to pay the accruing interest that then capitalizes interest itself.
|
| 09/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On three separate occasions I have tried to pay my student loans in full before interest began accruing again. About XXXX days after receiving a confirmation e-mail, the amount was not withdrawn from my bank. Upon reviewing my payment history in my student loan account, the payment was reversed with no explanation.
I called my bank and they assured me it was not a problem on their end. I have tried to call aidvantage but I can not get anyone on the phone.
The first amount was the remaining amount of {$10000.00}. It is listed on the student loan account history as payed AND reversed on XX/XX/2023.
I attempted the payment of {$10000.00} again and the same issue occurred. It is listed on the student loan account history as payed and reversed on XX/XX/2023.
I thought perhaps attempting to pay over {$10000.00} was a red flag so I attempted a payment of {$5000.00} and it is listed as payed and reversed on XX/XX/2023.
I do not know how to get them to answer the phone to see why I can not make a payment and I am concerned it is a tactic to collect interest.
|
| 06/15/2022 |
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 |
|
|
Only the holder of the original note can collect on the debt that exists on the instrument. If you did not sell this instrument I need you to produce it. If you did sell my instrument you should have contacted me to inform me. Your company is furnishing an account to my consumer report without my permission. I am requesting the original document and physical proof one exists that gives your company permission to furnish this account to my consumer report. This document must be a bilateral contract between your company and my self that gives your company permission to furnish this debt on my consumer report. You must prove that I am the obligated party for repayment to you or delete this account from my consumer report. Providing a statement that you have an agreement with another company and not me is not sufficient proof that I owe your company anything. Continuing to furnish this account to my consumer report without providing the requested information is FRAUD and a violation of my consumer rights and I will not hesitate to bring legal action against you.
|
| 10/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Aidvantage : I attempted to change my repayment plan to the SAVE plan. I was told via inbox to call to make the changes permanent. I called and was told I needed to pay over {$400.00} to get my payments changed over to the new payment system. I could not pay and was put into a forbearance for 1 month and paid {$5.00} to have the plan changed over.
I called again because I was not seeing any changes and the gentleman I spoke to was confused as to why the previous agent did that and that what she did was incorrect.
I called yet again because I was not seeing any changes or confirmation emails that I had a new repayment plan. I was then told that my old repayment system had to be cancelled or exited before getting onto a new payment plan. I put in to exit my current plan and answered all the questions to qualify for the SAVE plan. I was told my payments would be {$0.00}.
Now I just received a letter saying my payments is due of over {$400.00}. And that I needed to recertify. At this point this is taking so much time away from my family and XXXX XXXXXXXX.
|
| 03/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Recently I had requested and received a refund for payments made during the payment pause. I also had an income driven repayment plan on the remaining loan and my account was in forbearance pending my borrowers defense application. The refunded loans were cast back into repayment mode and show a past due balance. Confirmed by Federal Student Aid customer service they should have been put into forbearance pending me borrowers defense application. I tried working it out with AidVantage. Instead they put it in Covid forbearance and because of the second representative doing so the third one said she was unable to correct the mistake and I still have a past due balance. Meanwhile the Federal Student Aid office said all of my loans through XXXX were covered by the Borrowers Defense application not just the remaining loan my Borrowers Defense application was approved and all payments made will be returned to me. Im concerned with negative credit reporting which AidVantage said would happen bc they failed to put my account in Forbearance as they were supposed to.
|
| 08/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Hello, During the COVID-19 crisis, I made over {$15000.00} of payments towards my student loan and now it's looking like I will be laid off shortly. I need to retrieve my last 8 payments made within this last calendar year to make sure I have money if I'm unemployed. I tried contacting my loan servicer Aidvantage, and it took 2 hours to get a hold of someone and they hung up on me mid-call. This happened again 45 min later .... Then the automated machine would simply end my call. This was all during business hours! I finally got a hold of someone again after being on hold for 2 hrs and 13 min and made my request. They said there wasn't anything they could do and they'd follow-up, as they need 6 weeks of approval time! Why would my money take 6 weeks to get back to me and possibly be denied on top of that?! The law is clear, I should be entitled for repayment of my payments made after XX/XX/XXXX. Aidvantage is not cooperating with me. This was all requested on XX/XX/XXXX and I have left them several emails, only to be ignored. The emails were sent XXXX XXXX.
|
| 11/22/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My name is XXXX XXXX XXXX. My date of birth isXX/XX/XXXXMy social security number is XXXX. You are listed as a student loan servicer or lender on credit reports about me. You have reported various account information data related to the alleged loans concerning me. Note I do not agree with the various account information that you are reporting about me. Assist me in the verification of the alleged student loans you are collecting and your legal status. Please send me a copy of all promissory notes of all student loans that you service related to me. Please send me a copy of the promissory note for any and all student loans that you originated. Please send me a copy of any assignments of the promissory notes for the related student loans. Please advise me whether you are the loan originator, servicer, and/or debt collector for the loans. Kindly provide this information to me in writing by mailing it to my address above within 30 days. Out of an abundance of caution cease and desist any and all credit reporting of the related accounts.
Sincerely, XXXX XXXX
|
| 05/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
|
| 09/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
During the announcement of the Student Loan Forgiveness last year, I called to inquire about the payments that I had sent during the payment pause.
The representative said that the payments I sent during this period would be reversed and refunded.
Unknown to me, they mailed a refund check totaling {$12000.00}. This check was stolen and cashed, coincidentally during the XXXX XXXX period when my identity was stolen, which I have two separate police reports filed.
Aidvantage, my student loan servicer, advised me to contact the PLS Check Cashers, where the check was cashed, which I did visit in person.
The PLS locations fraud department then advised me to contact the Department of Treasury and ask for a Fraud Package that contains a Claim Against the United States for the Proceeds of a Government Check.
I got in touch with someone at the Department of Treasury, although they told me to get in touch with the Department of Education.which then forwarded me to Aidvantagein otherwords, full circle to where I began.
I need desperate help with this.
|
| 11/03/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On XX/XX/XXXX, I contacted Aidvantage to request a refund of {$19000.00}, all payments made after XX/XX/XXXX. I received verbal confirmation on the call I would receive a refund within XXXX weeks using the payment method I paid each payment with ( which were all from the same account via ACH ). On XX/XX/XXXX, my account balance updated on Aidvantage 's website, with XXXX payment missing from my history. I called on XX/XX/XXXX to inquire about the missing payment, and they said it was showing up on their end and due to " site maintenance '' it was missing. It still has not shown up on my end. I was also told that I could now expect to receive my refund after XXXX weeks, and they are unceratin if I will be receiving a paper check or a deposit. Even though my Federal Student Aid dashboard shows my loans amended, and my credit report reflects a higher loan balance, I am still without my refund after being told XXXX weeks initially. Representatives can not tell me when or where my refund is, and refuse to provide any written confirmation of conversations.
|
| 11/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have been desperately attempting to contact aidvantage for almost 4 months now. I usually wait in hold for XXXX hours each time I call. Usually when the call is answered it drops immediately. Ive also gone to email them and am always told it can take XXXX hours for a response. This is a blatant lie as it typically takes XXXX weeks for a response. I applied for an income driven repayment program which caused my loan amount to triple and when I try to select a new payment plan XXXX informed to contact by phone or email to remove the payment plan. Each email response I get is a canned response telling me I can select payment plans online which is contradictory of what their website says as I have to call to cancel the idr. Im desparsrely trying to get a response from aidvantage to clear this up so I can start making payments. As many others are in the same situation, I can not afford the payment option given to me and do not understand why it is so much higher than my payment was originally before my loan servicer was switched to this awful company.
|
| 07/19/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I received the attached letter from AidVantage. This letter was completely fabricated. I contacted XXXX XXXX and they did confirm that my loan was indeed an XXXX XXXX XXXX XXXX loan when they transferred it over to AidVantage. They will be mailing that documentation. AidVantage change it to 'Pay as you Earn ' without my permission. Also, AidVantage is refusing to release the phone call that happen in XXXX, XXXX which will show that I specifically told their Rep NOT to change my account for a {$6.00} difference, This would have caused my account to go from {$200.00} to {$190.00} a month. This would not have benefit me at all. Lastly, many accounts have been changed from a XXXX forgiveness to a XXXX forgiveness without the students knowledge.
I was approved for the {$200.00} in XXXX, XXXX, the loan has been on hold since that point. My next recertification is not due until XXXX, XXXX. AidVantage are using deceptive and intimidating practices. They kept trying to get me to recertify over the phone when they knew I was not scheduled until XXXX, XXXX.
|
| 01/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
I submitted a request for refund on XX/XX/XXXX for my loan payments for last year due to circumstances. I keep getting the run around and today was the final straw. Every single person I have talked to over the past few months has told me something different. XXXX person I spoke with before XXXX stated that it had been approved and they had all of my information from my previous lender, XXXX. That everything looks great and I should expect a deposit end of XXXX or early XXXX. I called today as it's been a few weeks and was told they are STILL processing information from XXXX and they didn't have a time frame for me. They apparently expedited my request in XXXX due to hardship. I'm a XXXXXXXX XXXX and I have XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I hate being told these lies over and over about my expectations throughout this process. All they could say was " sorry ''. I pray others have a much better experience than what I am having thus far. The most current call was today XX/XX/XXXX. I have made several calls starting from XX/XX/XXXX.
|
| 12/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I paid off my student loan balance in XXXX of XXXX while still under XXXX. Today I received a bill stating I still owe {$10000.00} with a payment due in XX/XX/XXXX. I have emails and documents supporting I paid all my loans. Initially, I received a statement with Aid Advantage when they took over that my balance was XXXX. Now, I look and they have retroactively gone back to reverse a payment of {$10000.00} with a date of XXXX of XXXX. I never made a payment in that exact amount. How can they so called reverse a payment historically? This is inaccurate. I was afraid something like this might happen when the new loan servicer took over, which is why I made every effort to paid off all my loans before it happened. I did successfully do this in XXXX of XXXX while still under XXXX. Please help me in investigating this. They have erased all previous documents on my account, but I can produce a transaction spreadsheet of all my payments for the life of the loans. I do not trust they will remedy this situation without reinforcement from your organization.
|
| 11/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I submitted a request in XXXX to change my income-driven repayment plan to the XXXX plan. I waited a few weeks, and after hearing nothing from Aidvantage ( not even a confirmation of my requested change ), I grew concerned. I found out XXXX that their processing time is a ludicrous XXXX business days, and that I may have even accidentally reset my time by " applying '' again when I tried to certify my income on ther website.
I am making just above minimum wage, living paycheck to paycheck, and even after proactively trying to adjust my payments a month in advance, I'm now being punished for their incompetence and I'm obligated to pay upwards of {$400.00} per month.
I have explored all of Aidvantage options to delay a payment, but do not qualify for any. Even if I did qualify, their processing time is so long, who knows when it would ever go through and the financial relief would actually be reflected? This system is ridiculous and poorly operated. I tried to call and reason this with someone, but after being on hold for an hour, I gave up.
|
| 10/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
My new student loan service provider, Aidvantage, changed my repayment plan without my consent. I did not want to enroll in the XXXX plan, and wanted to stay in the standard plan. My online portal says that in order to change this, I need to contact customer service and can not make that change online.
I have repeatedly tried to contact this company. I have tried to call them six times over 3 weeks, and have been on hold for more than XXXX hours each time, with no estimated wait times, or ways to schedule a call back. Their online chat feature says " we are experiencing longer wait times than usual and this feature is unavailable at this time ''. I have also created two separate support tickets two weeks apart. Their automated response says " someone will reach out in 2 business days '', but there is no response.
I have searched on XXXX, and there are dozens of people saying they have the same experience, and can not reach anyone ; being hold on the phone for hours without a response. No calls, no emails, no chat, no way to change my plan.
|
| 03/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I attend Georgia XXXX XXXX in XXXX, XXXX My Federal loans were transferred to AidVantage. I am still in college. I have two more classes to take after current quarter. I plan to graduate at the end of this year. My mother is paying for the remainder of my classes as I work and attend one class per semester. This will keep my loan balance as is and I will not not acquire any more student loan debt.
AidVantage sent me a bill for {$220.00} due on XX/XX/21. My total loan balance is {$22000.00}. It is my understanding that I don't have to start paying anything until 6 months after I graduate or if I leave college. I don't understand how they are calculating the {$220.00}. I don't understand how I have a bill due and I am still in school? The current interest on my AidVantage statement is showing a balance of {$77.00}, I thought the government stopped interest from calculating due to COVID?
I have made several attempts to create an online account on their website but it is not working correctly and it always times out so I can not access anything.
|
| 09/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Called Aidvantage in XX/XX/XXXX to request a refund of the payments made from XX/XX/XXXX to now. I was told they could statt the refund process and that it would take 4-6 weeks to recieve a refund from thble US Treasury department XXXX I asked if there would be any confirmation number and was told none would be provided, but that I could call back in a few days to see if my request had been submitted. I waited until XXXX to call back and confirm. I was told that they could see my request and that it was still awaiting approval. On XX/XX/XXXX, I made a complaint on the federal student aide website. The complaint was forwarded to aidvantage. Aidvantage emailed to state they are investigating my complaint. However, I find it completely unreasonable for my request still to be pending approval nearly 3 weeks later. I have seen no changes on any of my accounts to reflect the request. And feel that there is no way to truly hold aidvantage accountable to their timeline given the fact that no confirmation or reference numbers for the calls were given.
|
| 08/31/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
1. Originally had a payment of {$78.00}.
2. Got an email ( attached ) from Aidvantage stating my payment was going to be {$28.00} due on XXXX. Called Aidvantage and the first person I spoke with said that what is on my portal is accurate. Did not address my email I recieved.
3. A few days later I called in again and spoke with a lady and again stated the email regarding {$28.00}. She said she sees it and then did not answer why I recieved that email. She then had me re-do an IDR information and we came up with a {$60.00} payment plan ( I also chatted with someone regarding the {$60.00} payment plan in 2022 ), but was unable to provide that to be due to a {$16000.00} student loan balance.
Nobody is address why I received an email ( attached ) that says my payment is {$28.00}. Where did this come from as I am trying to budget for the repayment of student loans. However, I am getting conflicting information regarding what is due and what my payment is going to be. This is concerning.
*I DO NOT WANT MY PAYMENT TO BE HIGHER THAN {$78.00}. *
|
| 11/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I called Aidvantage about a CARES Act refund of payments on XX/XX/XXXX in the mount of {$27000.00} for payments made after XX/XX/XXXX. I have called back weekly for updates and get a different answer from customer service every time. First call, they said my refund request was approved on XX/XX/XXXX and would be processed in XXXX weeks. A few calls later ( XX/XX/XXXX ), I called and the representative said they just submitted the request for a refund and now to wait XXXX weeks from that date. I tried to email their customer service with more details and they claimed refunds are now taking XXXX weeks. I have seen no evidence that my refund request was actually submitted, as my student loan balances on both Aidvantage and through studentaid.gov have remained unchanged since first calling on XX/XX/XXXX. I'm at a loss for what to do, as I get different information seemingly every time I try to settle this with Aidvantage, and no one can even give me a straight answer as to when my refund request was submitted or how long it will take to process.
|
| 10/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
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Web |
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Originally submitted an initial complaint 9 days ago. have yet to hear back, but this complaint is because when I tried calling my servicer for an update on Saturday XX/XX/2022 and XX/XX/2022 at XXXX XXXX and XXXX XXXX respectively they are not available via phone during their posted hours of operation ( I will be attaching their " contact us '' page directly from their website ). when I try contacting several times during posted hours it says " sorry we are currently closed '' ). I've also tried calling several times during weekday operation hours but the wait times are absurd.
this is seriously ridiculous, considering my original refund request for my loans paid during covid was requested on XX/XX/2022 and advantage had absolutely no record of the call or request when I called to follow-up on XX/XX/2022. and now I can not reach them.
Business hours taken directly from Aidvantage 's website is attached below. I encourage you to try calling them during their posted saturday hours and you will get a " sorry we are closed '' message.
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| 03/31/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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Navient sold my loan to Aidvantage. They never gave me an option to negotiate. Aidvantage then immediately capitalized ALL interest. I had never been made aware of this EVER and I asked many many many times if deferred interest would be added to the principal and Navient/Aidvantage always, ALWAYS said no.
I was never told how this would happen. Now, they added interest to my loans as capitalized principal totalling over 45 % of my loan. I offered to make ump sum payments and they simple send the same message over and over - no. I will take this up with other regulatory bodies including State AG and other private pursuits.
I tweeted this to XXXX head XXXX. Aidvantage said in a recent interview they serviced all CFPB and XXXX complaints. They haven't. This is a lie and I will no longer be taken aidvantage of by predatory loan issuers. The fines against Aidvantage say it all.
XXXXCFPB NEEDS TO TRULY HELP AND FOLLOWUP ON THIS BECAUSE THIS TYPE OF PREDATORY NEGATIVE AMORTIZIATION AND DEFERRED INTEREST CAPITALIZATION SHOULD BE ILLEGAL
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| 08/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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The following individuals at XXXX XXXX XXXX ( Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada ) have fraudulently represented themselves as a government agency and solicited my sensitive information indirectly by gaining access to the FSA ID website and has done so to numerous other unaware consumers. They specifically claim that they either work for " Aidvantage '', the " FAFSA Student Loan Department '', or the " Department of Education Student Loan Office ''. Consumers on multiple websites, such as the XXXX have reported that they " XXXX '' has consolidated their loans without permission and collected social security numbers for malicious intent or dispersion for illegal use.
The " agents '' are : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX or XXXX ), and XXXX XXXX ( phone number unknown ). They also have a female secretary who will hold / transfer calls for them.
Please take care of these criminals so they can not prey on the public or borrowers who are trying to make an honest living while repaying their debt.
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| 01/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Problem lowering your monthly payments
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Web |
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I have had XXXX for my student loans for years. I contacted FAFSA ( Federal Student Aid ) and they told me to contact you. For years, I was unable to pay anything and they kept telling me to just go into forbearance. I did that for many years and now I am reading they did many wrong things to many people. Also, I have had these loans that I haven't paid much on and now due to all the interest ( forbearance seemed logical as they were the experts ), I owe XXXX XXXX dollars. I don't know if there is anything I can do about it but I feel they mislead me as all those years I probably could have paid a bit but they always pushed, " we can put you in forbearance. '' I don't know if anything can be done but this wasn't ethical-it simply seemed an easy way to just be rid of me and my concerns and fears.
My email is XXXX and my phone number is XXXX XXXX XXXX.
My name is XXXX XXXX Thank you for any assistance.
I would like to lower my huge debt amount as I trusted them as my provider and now I have come to learn they mislead many people.
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| 12/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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My student loan was transferred to this company. I submitted my payment plan application in XXXX on the XXXX XXXX XXXX. This application was still pending in XXXX when I called. The person I spoke to then submitted it over the phone. I am getting emails saying I owe a payment in XXXX, but when I call, they state the payment plan is still being processed. I called again today and the first person I spoke to said the payment plan was processed and that the payment amount is correct, even though I have been told by multiple people that it was not ( on previous phone calls ). I then asked to speak to a supervisor and was hung up on. When I called back, I got a gentleman who said he would submit my application yet again. I told him I would really like a supervisor as this is now the 3rd or 4th time my application has been submitted. He was nice, but would not transfer me to a supervisor. I am very discouraged with this company. I am trying to get my payment plan figured out and have been for almost 4 months now with no clear answers.
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| 10/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
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Web |
Older American |
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Beginning in XXXX i sent applications for teacher loan forgiveness. I sent electronically, by fax and by postal service mail. None appear in the I sent correspondences section. They show no correspondences from me.
Beginning XXXX i called numerous times requesting information about qualifying for the student loans forgiveness, what i needed and what i needed to do, receiving my applications and the status of my application.
I was told i did in fact have a consolidated loan which qualified for the teacher loan forgiveness.
I submitted the application filled out by my school district verifying my years of teaching.
XXXX received notice that my application was being received.
XXXX XXXX my teacher loan forgiveness application was denied.
XXXX XXXX response from my request to resubmit my application stating i was denied due to having a parent plus loan inside my direct consolidated loan thereby disqualifying me. I was told my loan qualifies. Their website ( Aidvantage ) states my loan type qualifies. But application was denied.
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| 08/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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XX/XX/2023 spoke with Aidvantage XXXX XXXX on issues regarding inaccruate information at XXXX am. He tried to help with dates of when my student loans will be XXXX on my account for student loans forgiveness. Orginally was informed 7 mos it is now 8 mos from XX/XX/2023. My loans were forgiven 100 % per XXXX of XXXX and then I spoke w another rep who asked me when do I want to repay my loans. Informed me interest and charges will accrue. I also spoke with another rep who informed me XX/XX/2023 for final resolution, then was informed I need to request additional documentation from Dept of Education. I spoke with another rep at Dept of Education who informed me that AidVantage has all the paperwork.
I call every week for updates as I am trying to purchase a home but denied due to the student loan showing on the tradelines. Since my student loans have been sold every time I am not getting direct answers. I want this off my tradelines and showing zero balance due. Also I should not be charged interest nor being requested to repay.
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| 06/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Aid Vantage ( student loans ) there are 11 of these closed accounts on my credit report that we're set up in an all in one payment. I was in forbearance in XXXX with payments coming up soon. I stayed in contact with them and I made a payment, then a month later I noticed a 90 day late payment right after my on time payments. how is this possible. they refuse to remove it and the bureaus seem to think its ok to have a 90 day late payment after on time payments. they are also missing many on time payments sometimes many months of on time payments. and the missed payment is reported on different dates on different bureaus. last activity dates are missing. how can this be? They need to be held accountable for the hardship in financing they've caused. these are grounds for removal. They also violated my rightS under 15 usc 1681s-2 / 15 usc 1681 section 602 A.
Please review these 11 closed accounts accounts. Unless everything on my account is exactly the same and accurate on all 3 bureaus, this needs to be removed please. thank you
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| 12/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
Servicemember |
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I am attending school part-time, greater than 6 credits a semester and have been in school as an adult learner for several years trying to earn my degrees. When payments went active, my in-school status was not correctly applied to my loan and I was thrown into a payment status. The clearinghouse information was sent through the school and I filed paperwork that verified my student status after already having to make payments to keep from defaulting. I recieved a reply that I did not qualify even though I should based on my school status. I was placed on a temporary deferment after filing multiple complaints with multiple agencies and I am now being put back into payment status. I am still in school and I am registered for 8 credit hours next semester. Aidvantage has been horrible in their responses and I am just getting run around. My complaint with the Department of Education has gone unanswered for months. I will be in school for several years due to only being able to maintain a part-time staus while I work full-time.
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| 03/25/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I have a parent plus loan that was started in XX/XX/XXXX I had two sons at XXXX XXXX University between XXXX. Starting in XXXX the loans were deferred as both my husband lost our Jobs. We had barely any income. During these years. I started XXXX XXXX in XXXX. I did not take out a loan I was granted a XXXX XXXX. In XXXX I began work and starting make payments again. I understand that interest had to be capitalized during that period. In XXXX is shows that I owe {$65.00}, XXXX to XXXX XXXX XXXX which is incorrect. I never took out a loan at this school. My only loan should be to XXXX XXXX which started at XXXX. See attached history. XX/XX/XXXX shows another loan for {$12000.00} at 8.50 %. I have not idea what this is. I really don't think I should be responsible for this I will try and locate the XXXX XXXX approval but is has been 20 years or so. I appreciate your assistance. Additionally when I refinanced the loan at XXXX. I was given a rate of XXXX payment roughly 400 amount. At this point not really sure I owe that much.
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| 05/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them
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| 12/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been reaching out to the Dep of Education for months trying to update/correct inaccurate items on my credit reports. First, I contacted the credit bureaus and they replied back that the accounts were accurate and reporting correctly. Everytime I contact them I keep getting the same response but my credit reports shows differently. I have several accounts reporting from the Dept of Ed and all of these accounts are reporting inaccurately. According to the FCRA, all information on your credit report should be reporting 100 % accurately or it should be removed from my credit reports. The laws are clearly being broken and my rights as a consumer has been violated more than once.
All accounts reporting from the Dept of Ed are inaccurate ... missing incomplete account numbers, inaccurate late payments that does not match my records, closed accounts still reporting balances, inaccurate account balances just to name a few violations that are constantly being overlooked but they still reporting inaccurately to my reports.
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| 10/06/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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On XX/XX/XXXX, I discovered I was eligible for a refund of all payments made to my federal student loans between XX/XX/XXXX and the present. I called Aidvantage that day, requesting a refund of {$10000.00} ( the total of the three payments I had made during the forbearance period ). I was told my request would be processed and I would receive a direct deposit within 4-6 weeks. After not seeing an update, I called XXXX to check on the status of my refund, where I was told my refund request had been approved on XX/XX/XXXX and again would be processed in 4-6 weeks. On XX/XX/XXXX, 5 weeks after my request was approved, I called to check on the status as I had seen no updates. The customer service rep told me my request was put in on XX/XX/XXXX and would take 8 weeks to be deposited. Aidvantage has straight up lied to me about the dates in which my refund request was processed and the timeline for how long it would take, and I have heard of others who have received their refund already despite requesting much later than me.
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| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Aidvantage ( YOU ) are reporting accounts without written permission! I never gave any consent to report these accounts. All reporting agencies ( XXXX, XXXX, and XXXX ) are showing this harmful information to my consumer report. How did you all get my information! Someone is illegally sharing my information ( the financial institution ) 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
How did AIDVANTAGE get my information if I never authorized this!?
Section ( b ) Financial institutions safeguards ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and My information has been exposed! You have caused me harm & danger.
Who gave you all access or was there a breach!?
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| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Today on XX/XX/2023, I contacted Aidvantage by phone XXXX. The XXXX time I contacted them, I was hung up on as soon as I brought up the fact that I did not give Aidvantage or Department of Education clear and concise, written permissible purpose to furnish my financial information to XXXX, XXXX or XXXX. These institutions are in clear violation of several federal laws including Consumer Financial Information Rule of the Gramm-Leach-Bliley Act via the Federal Trade Commission.
The second phone call I was told by Aidvantage that XXXX XXXX or Department of Education gave Aidvantage permission to furnish XXXX accounts on my consumer report. I asked to excercise my right to opt out of my private information being reported and was placed on hold for an extensive period of time. This is also another federal law that these institutions have not complied with and are in clear violation. Please see 15 U.S. Code 6802 ( b ). XXXX or both of these financial institutions are conspiring to commit identity theft against me.
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| 08/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX is furnishing multiple student loans on my consumer report for {$67000.00}, {$10000.00}, and 9 accounts with a {$0.00} balance illegally without my consent.
Pursuant to 15 USC 1681 ( 3 ) Congress makes it clear that XXXX has assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Pursuant to 15 USC 1681a ( 4 ) XXXX didn't exercise their grave responsibility with fairness, impartiality and respect for my rights to privacy.
Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( III ) XXXX violated my consumer rights because they never gave me a chance to confirm nor deny if a consumer transaction ever took place they just assumed it did.
Pursuant to 15USC1681b ( 2 ) XXXX violated my consumer rights because I never gave them written consent to furnish anything on my consumer report. THIS IS IDENTITY THEFT.
Pursuant to 15USC 6802 ( b ) ( 1 ) ( a ) my consumer rights were violated because I was never given the clear and conspicuous disclosure that I can Opt out.
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| 10/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Servicemember |
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My Federal Loans are serviced by Aidvantage. I applied for the XXXX plan for the first time in late XX/XX/2023, and never received a response about a new payment amount. In fact, I have never received an explanation as to why my current payment ( which is now {$400.00} higher than before COVID ) is the amount that it is. I applied for the XXXX plan a second time in XXXX, with the same result. I recently applied for the XXXX plan a third time a few days ago and I'm waiting for a response. I was forced to pay {$1100.00} towards my student loan today, with no reasoning or calculation. I paid this amount only to avoid delinquency and cause further delay to my XXXX application ( s ). Our family is now experiencing financial hardship because of this incompetence, and lack of preparedness by Aidvantage. It is clear they are overwhelmed with applications, lack appropriate staff, and have no means to provide online answers to Borrowers. I am extremely frustrated and praying this is fixed before the next payment is due.
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| 10/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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Set an auto-payment for XX/XX/2023 for XXXX. Received a confirmation from the servicer that the payment was set up through email. The payment does not go through and the servicer lets me know that my loan is still due so I submit a manual payment XX/XX/2023. I get another confirmation through email that my payment has been received by the servicer for the same amount.
However, XXXX days afterward I get another email talking about how my payment has not gone through and that it's overdue. I check my account history and see that the XXXX was subtracted and then immediately rejected and refunded back to my bank account the same day. However when I check my bank statements there is no money that was subtracted and then refunded back.
I made another manual payment today on XX/XX/2023 for the same XXXX and got another confirmation email. We'll see if it goes through. I emailed them at the help center online and called them at XXXX to speak with a rep and got left on hold for a half hour with no one picking up.
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| 03/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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I sent a letter to Aidvantage requesting verification that authorized them to collect any alleged debt that they assume that I, the consumer, owe. The company replied saying that my request was frivolous. I am aware that I have a right to request verification/validation from debt collectors who assume that I owe on an alleged debt. I have never entered into a contract of any sort with Aidvantage. This is considered unfair practices pursuant 15 USC 1692f ( 1 ). The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to become subject to any practice prohibited by this subchapter. The false representation of any services rendered or compensation which may be lawfully received by any debt collector for the collection of any debt is a violation of the FDCPA. These are laws under the Fair Debt Collection Practices Act that Aidvantage is violating. Pursuant to 15 usc 1692c ( c ), I demand Aidvantage to cease and desist all communication.
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| 09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I HAVE STUDENT LOANS ON MY CREDIT REPORT THAT HAVE BEEN IN A XXXX PAYMENT STATUS FOR OVER 10 YEARS. I HAVE NEVER BEEN LATE BECAUSE I HAVE NEVER HAD A PAYMENT DUE. THE ACCOUNT WAS SOLD TO AIDVANTAGE AND THEY REPORTED 24 LATES TO MY CREDIT OVER 8 STUDENT LOANS. THEY ARE ALSO NOT REPORTING MY 7 YEARS OF GOOD PAYMENT HISTORY TO THE CREDIT BUREAUS THEY ARE REPORTING LESS THAN HALF OF MY ON TIME PAYMENTS FOR THE 7 REQUIRED YEARS OF REPORTING. THESE 2 THINGS ARE HURTING MY CREDIT SCORE AND CAUSING ME TO PAY HIGHER INTEREST RATES ON CREDIT CARDS AND LOANS AND ALSO DISQUALIFYING ME FOR LOANS THAT I SHOULD BE QUALIFIED FOR. I SPOKE TO AN AGENT AND SHE AGREED THAT THEY ARE REPORTING INCOMPLETE INFORMATION BECAUSE THEY DID NOT RECIEVE IT FROM THE DEPARTMENT OF EDUCATION. SHE ALSO AGREED THAT SHE DID NOT SEE ANY LATE PAYMENT HISTORY NOR DID SHE SEE ANY PAYMENTS THAT I HAVE MADE ( BECAUSE I HAVE NEVER MADE ANY ). AID ADVANTAGE REPORTED TO MY CREDIT REPORT THAT I WAS LATE 2 TIMES THEN MADE A PAYMENT THEN WAS LATE AGAIN.
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| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Aidvantage has provided me with a long over due XXXX evidencing the amount of {$70000.00} being cancelled. Yet the debt is still reflected on all of the credit reporting companies and credit bureaus. This has caused me financial damage and will seek damages if this not resolved within the next XXXX. After I will file complaints with XXXX, the OCC, SEC, Attorney General for the lack of consideration.
My civil liberties have been manipulated for fare too long. Please act accordingly.
Please be advised by filing these earning reports put you at liberty violating 18 USC 912. By placing my principle, XXXX XXXX agent to the Principal ( XXXX XXXX XXXX ), as a XXXX XXXX in order to obtain money, the responsible party, CEO, CFO maybe penalized with fines and jail time of 3 years.
As a private party, I dont have earnings connected with the trade or business franchise, then you cant have a tax liability. This is a form commercial invasion of the state which is in violation of Article 4 section 4 of The XXXX.
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| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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To date, I as the consumer, have consistently made complaints about the violation of my rights with the CRA and the companies that engage with them. XXXX, XXXX, and XXXX each continue to report inaccuracies without care to my privacy or the FCRA. The FCRA is federal and overrides all company policy. Furthermore, I was never given option to opt out of their services. While they took the liberty to obtain and distribute information, they are to remain fair and unbiased. They failed in that. 15 USC 1681, specifically 604A ( 2 ) states that a CRA can not furnish a account without my written consent. To date, I have not been contacted nor provided such consent. 15 USC 1681, 602A states my right to privacy. That has been grossly mishandled. DEPTOFED/AIDVANTAGE-account number XXXX DEPTOFED/AIDVANTAGE-account number XXXX DEPTOFED/AIDVANTAGE-account XXXX DEPTOFED/AIDVANTAGE-account number XXXX DEPTOFED/AIDVANTAGE-account number- XXXX DEPTOFED/AIDVANTAGE-account number- XXXX DEPTOFED/AIDVANTAGE-account numberXXXX
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| 02/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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My goal is to get a refund of {$10000.00} of the voluntary payments I made in XXXX starting XX/XX/XXXX totaling to {$15000.00}. My servicer during that time was XXXX XXXX. Supposedly the day I called to get a refund, XXXX had started the process of transferring my paid in full account to Aidvantage. Starting in XX/XX/XXXX, my account did not exist with neither XXXX nor Aidvantage for months as I continued to call. Only today, XX/XX/XXXX have I been able to register my account. Now, as I called today, I am informed that while my account is now established with Aidvantage, they still can not process the refund since they do not have the payment history from XXXX XXXX. They were not able to give me a specific time window which I could expect this process to be complete. I am concerned about how long this process will take after having waited XXXX months already for action on their part. Aidvantage has refused to accept my bank statements as valid proof of payment to XXXX during the loan deferment of XXXX.
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| 12/27/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I recently contacted Aidvantage about my loan and income driven payment plan renewal.
I processed my request via an aidvantage rep and through the studentloans.gov portal.
I have only received one correspondence that shows the information about my most recent request. However, it was an email and not the confirmation of repayment.
Subsequently, Aidvantage has generated payment information that does not correlate to my new Income driven payment plan. The reps are rude, unknowledgeable, and don't even bother to validate account information, neither look it up. The reps on the phone are trained to give a script, but not review actual information. This is creating undue harship for me because I need the new income Driven Payment plan information generated so I can refinance my mortgage. This has been a nightmare and literally like talking to a brick wall dealing with Aidvantage reps. There are no supervisors or live reps that have the wherewithal to handle complex situations outside of their scripts.
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| 09/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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My student loan servicer changed from XXXX to Aidvantage sometime in the past year. I logged on to my Aidvantage account at the beginning of XXXX to make a substantial payment only to discover that none of my payment history had been transferred during the transition, so none of the {$33000.00} of payments I had made since 2017 were being reflected on my account. I appealed to Aidvantage and they said they would have this resolved within 10 days. I submitted receipts of my payments and made 5 follow-up calls and emails. It is now XX/XX/XXXX and not only have they not resolved this or made good on ANY commitment ( including mailing me my payment history ), but I have discovered that my loan balance has INCREASED {$10000.00} due to an " adjustment, '' but I have not taken out any new loans in years. I have attempted to call several times and literally get a VOICEMAIL and zero response. Please help, as I have been swindled out of $ XXXX in payments and now have $ XXXX in debt that is being assigned to me.
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| 08/27/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
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| 05/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have reached out to the Department of Education/XXXXAidvantage in regards to the incorrect, damaging late payments on my student loans that antler being reported as accurate to the credit bureaus. These late payments were reported for a 2 month time span between XX/XX/XXXX and XX/XX/XXXX. To my knowledge and per the agreement with the loan companies, it had been established with the loan provider that my student loan payments were under deferment during this time. I have never received a notice and/or alert that these accounts would be in a derogatory status. Had I been properly notified in a timely manner, I assure you I would have been able to contact the loan provider and make the proper arrangement to continue satisfactory account status. According to the FCRA, there is no rule or statute preventing an update to the derogatory payment status. I have not been able to come to a resolution regarding my student loans and request that the last payments are updated according to the agreement in place.
|
| 11/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
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My loan was transferred from Sallie Mae to Navient before 2010. At that time I was a XXXX year teacher before there was a PSLF or it was never mentioned. I sent Navient about {$200.00} as it was all I could afford as they were forcing me to make over a {$700.00} dollar loan payment. They put my loans in default because I wasnt sending them the full amount, we call this predatory. I was then billed for over {$700.00}, which as a teacher I could not pay, so year after year instead of letting me pay what I could they kept putting my loans in forbearance and my high interest made my loan even more expensive. They were relentless. In Georgia where I was living navient settled a class action lawsuit where I should have been part of, but was not for some reason! Now XXXX has me back in repayment but you can never reach customer service. They also have information incorrect in the system which affects my PSLF loan forgiveness, which should have occurred in the class action lawsuit by the state of Georgia!
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Upon reviewing the accounts on my credit report, I noticed multiple unauthorized accounts reporting from a creditor " Dept. of Ed/Aidvantage '' on my credit report without my consent which is required by law and is out of compliance with the law per 15 USC 6802B , 15 USC 6801, 15 USC 1681b ( 2 ), 15 USC 1692 .
I was not given proper " opt out '' disclosures per 15 USC 6802B, they furnished accounts on my credit report without my written or electronic consent per 15 USC 1681b ( 2 ), and I have a right to privacy per 15 USC 6801. I am not denouncing the financial obligation of the accounts, but I am requesting that the accounts be blocked and deleted from my credit reports for privacy reasons and as a result of their failure to be in compliance with the laws of the FCRA.
In addition to this complaint my family is dramatically affected. This issue causing me XXXX XXXX and emotional distress because of my inability to obtain a new home as a result. I am requesting that this situation be rectified.
|
| 07/26/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Older American |
|
XXXX Payoff payment in amount of XXXX sent to AidVantage, XXXX, Oregon by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This payment was sent to wrong address, This was a XXXX Account. XXXX XXXX XXXX XXXX XXXX said Aidvantage processed the check on XXXX Contacting Aidvantage they have no info or account info. Referred me back to XXXX. XXXX XXXX from XXXX states payment sent to wrong address, payment can not be returned or refunded to me. Refund has to come from XXXX Treasury. 2-4 weeks. XXXX No refund has of today. Unable to make contact with US Treasury, live person not available. Recontacted Aidvantage, no account info. Recontacted XXXX, gave me a consumer advocate number, XXXX, waiting for return call. Aidvantage, XXXX XXXX XXXX, XXXX, Oregon, XXXX Navient, XXXX XXXX XXXX, XXXX, PA XXXX XXXX Complaint was filed against XXXX, there response was basically call AidVantage, of which they have no account info. Copy of complaint has been sent to XXXX XXXX XXXX XXXX for payment tracing ie who cashed the check.
|
| 07/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Older American |
|
Called Aidvantage regarding wrong information on my account. Showing a school that I never took out a student loan and under the XXXX program but my loans are showing different forgiveness dates when I took out XXXX at the same time. Spoke to XXXX representatives and was given different information. XXXX representative claims I took out a student loan in 2005 and was emailing me a copy of promissory letter which I have not received. 2nd representative claims didnt see a loan in 2005. Both representatives claim even though school showing a student loan was not taken out, it would still this. My student loans were taken out in XXXX in XXXX, NY and XXXX the are showing is in XXXX NC XXXX Amount on loans are inconsistent and both show a consolidation but only had XXXX loans. Would not let me speak to someone else above to get clarification. The loans were for XXXX and XXXX in XXXX NY for a total of {$10000.00}. Original loan taken out through XXXX XXXX Bank. Not sure if they still exist at this time.
|
| 10/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Spoke with XXXX XXXX XXXX who stated I am no longer on Forbearance and was placed back on the IBR plan. Since XXXX the balance has accrued XXXX in interest which is ridiculous. I was informed no interest would accrue while the BDR apps were in administrative forbearance and still processing on the Dept of Education website. Not completed yet for the Sweet Vs Cardona case. Also the tradelines for the balance that was forgiven has not been updated since XX/XX/XXXX. We are now in XXXX. I was told to go on the SAVE program so no interest would accrue on my account. Concerned if I do this that it will mess me up for the Sweet vs Cardona case which I am in the Post Class - Class C group which is to be finalized by XX/XX/XXXX.
Every time I call I get different answers, I was suppose to have my XXXX XXXX XXXXXXXX XXXX loans forgiven 100 % along with XXXX XXXX which has not been completed yet. I also sent in a paper application for the BDR for XXXX XXXX and XXXX of XXXX. No response from either party!
|
| 09/01/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Due to the Covid CARES act, all student loan payments made after XX/XX/XXXX on federally owned loans are refundable back to the payer. I made payments on my federal loans to Aidvantage during this time. I requested a {$26000.00} refund from Aidvantage on XX/XX/XXXX, and was told that the application had been submitted for refund, and that the process would take 4-8 weeks for the refunds to be sent back to me. I called Aidvantage again on XX/XX/XXXX, and was told that my refund had been submitted, but that there were no updates. I am not worried about when the physical money gets back to me, since that has to come from the Department of Education, but I would have expected the loan amounts to reinstate on the Aidvantage website by now since they have a legal obligation to refund the money to me. It feels as though Aidvantage is dragging their feet since there are no email confirmations that a refund application was submitted, and it takes over an hour to get a hold of a customer service agent.
|
| 05/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I am so upset I am shaking and I couldn't sleep last night. I was on hold with the department of education for 2 hours. I talked to someone and she said she transferred me to a " Loan discharge agent '' and then left me on hold music for 2 hours and then the music just stopped and it was nothingness. This is definitely on par with the incompetence of the department of education. It is not a new experience at all.
I received a letter on XX/XX/21 that stated I would get 100 % of my balance from XXXX University discharged. What happened yesterday was I received a letter stating only {$8800.00} was discharged. I owe at least {$80000.00} from XXXX and this is definitely not 100 % discharge. This is not even 10 %. I have been lied to. I have been treated horribly. My life has been on hold waiting for not even 10 % of what I was promised. I waited my 180 days as the letter on XXXX stated. I consolidated like I was told to get the FFEL loans added to the discharge. HOW CAN THEY DO THIS TO ME?!??!?!
|
| 01/06/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
From the Federal Student Loan Website at XXXX : XXXX " On XXXX XXXX, XXXX, the U.S. Department of Education ( ED ) extended the student loan payment pause through XX/XX/XXXX.
The pause includes the following relief measures for eligible loans : - a suspension of loan payments - a 0 % interest rate - stopped collections on defaulted loans '' Today, XX/XX/XXXX, I received an electronic communication from Aidvantage - my federal student loan servicer. This letter is dated XX/XX/XXXX, and states as follows : " Beginning on XX/XX/XXXX, a new Auto Pay amount of {$350.00} will be debited from your designated bank account for the student loans listed below. '' A copy ( PDF ) of this letter is attached to this complaint.
I would like to understand why Aidvantage appears unaware of the CARES Act extension directed by the US Department of Education on XX/XX/XXXX. The letter from Aidvantage appears to be in direct contradiction to the directive issued by the US Department of Education on XX/XX/XXXX.
|
| 10/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I requested a refund of payments made during COVID moratorium at the beginning of XXXX. My account at XXXX stated that the money had been refunded on XX/XX/30. I called on XX/XX/30 to be sure, as the money hadn't hit my account. They said it could take 7-10 business days. It is now 12 business days in and the money has not hit my account, however, they are already reporting the debt to the credit reporting companies. Today they said that they send the refund to the department of treasury and that department is behind on issuing refunds. There is no instruction on how to get an ETA from the Dept of Treasury, no actual legal documents that say the Dept of Treasury will be sending that money. So we are supposed to apply for Loan Forgiveness and possibly receive forgiveness BEFORE we get a refund, and then what are the chances we never actually receive that money? at that point we don't have an open account with the loan servicing company anymore. I see a potential nightmare for customers here.
|
| 10/23/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is my XXXX complaint about Aidvantage. I will not continue to send information to a company that has violated my rights by receiving my information without my consent. Moreover, this same company said in a previous dispute that if this is a result of identity theft, file a report with the FTC. That has been done. Now, theyre saying to call their theft department. I will not keep jumping through hoops. It is my information that is being misused. I have done my due diligence by reporting this to the FTC, the attorney general, and the credit bureaus. In addition, the last CFPB complaint was sent to the department of education. The Department of Education responded and said they are not the appropriate company to address the issue.
If the loan originated from The Department of Education and they are unable to address the issue of identity theft and sending my personal information to Aidvantage without my consent, the loans need to be removed from my credit report immediately and closed.
|
| 04/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I have student federal student loans which were initially going through XXXX XXXX back in XXXX. Those loans were then transferred by XXXX XXXX to XXXX a few years later. I was set up on and XXXX payment and as told that I would be eligible for loan forgiveness after 25 years. I then went back to school in the fall of XXXX and did not take any more loans during that time. I called XXXX in XXXX to find out all of the details and best options for paying my student loans while I was going to school and was encouraged to put my loans into forbearance. After finishing my schooling in XXXX of XXXX, I started making payments again. At that time I was told that because my loans were put into forbearance, my timeline of loan forgiveness would start over. I was unaware of this or I would never have put my loans into forbearance. I feel that I was misled in what my best options were and feel that those years that I was in forbearance should be counted toward my years leading up to loan forgiveness.
|
| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I knew something was wrong with my repayments when I saw that I am being asked to pay {$0.00} per month for the next 14 months ( I have an income and should be paying more than that ). I requested the company tell me what reported income they are basing my monthly payment calculations on on XX/XX/23. The automatic reply was that they would respond within 2 business days. I have not gotten a response yet, it has now been 7 business days. In the meantime I resubmitted my income verification in case that was the problem. A few days ago, my account was suddenly placed into administrative forbearance without explanation. Interest is accruing daily although I am supposed to be enrolled in the SAVE plan and apparently have no payments due. I have been on hold for 40 minutes so far to try to get an explanation. It is unclear if any of this will negatively affect my credit score. I have income available to make required payments, but customer service is inadequate to allow me to make payments.
|
| 06/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
Today XXXX I called Aidvantage to discuss lowering my student loan. I am in an income based plan but payments of {$330.00} are still too high so I called to discuss as mentioned in their website. One woman I spoke with said she couldnt help me and she went to transfer me to her supervisor hung up on me. I called again and I spoke with a man a second time. He told me I would pay a higher amount than the first person I spoke with. He mentioned a payment being in {$400.00} range. I told him the last woman told me {$330.00} then said he could potentially get it lowered to {$280.00}. I again asked to speak with a supervisor. Put me on hold. Then said, theyre just going to tell you the same thing I did. Still kept stalling and said his supervisor said I could consolidate my loans. He refused to put a supervisor on the phone. I told him I could pay {$200.00} a month. He informed me I make too much money and Aidvantage would never work with me on that number. I got so frustrated I hung up.
|
| 01/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I applied to aidvantage in XXXX. My loan is currently with XXXX from XXXX federal student loans criminally sold to XXXX. 2 mnths after I applied for consolidation, they denied me for having an active judgement. I applied for XXXX XXXX bankruptcy protection in XX/XX/XXXX. Of which ended in XXXX of XXXX, almost 4 mnths beforehand. Every attempt to resolve this problem has went unsolved. Ive waited 2 mnths for an application to reapply which hasnt been mailed to me. I just need help to reapply with a company that will consolidate my loan. This site will not allow it even after 6 months of waiting and having to deal with Aidvantage. They are part of the problem with predatory lending, yet somehow they are once again forced upon me. They will be the reason my loans go unresolved and deferred. Please send a link to apply for direct consolidation through another company. My first complaint wasnt read. I recieved a email that stated absolutely no help XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
|
| 03/02/2023 |
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 |
|
|
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
US DEPT OF EDUCATION XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section : states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 09/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Back in XXXX, I called AidVantage twice and emailed them once to get information on how to make weekly or biweekly payments on my student loans instead of the standard monthly payments. Both people I spoke to at AidVantage said it was possible and that they would email me instructions on how to do it. I pushed for them to give me instructions over the phone but neither would provide them verbally. I never received a response either time. The response from my email request was non-sensical and did not answer my question ( see attachment ). The allocation is not what I want to change, but rather the frequency of the payments scheduled. There is no answers in their FAQ page or their XXXX page. When typed into the Help section on the website, it does not give me any information on changing the frequency of payments, only information on overpayments. I simply want to break my monthly payment into weekly payments to save on interest since interest accrues daily with student loans.
|
| 09/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
In late XXXX XXXX, I used the loan calculator on studentaid.gov, which with my finances, said I should do a direct consolidation with SAVE as the payment plan for the lowest payment. I submitted that application. I did not hear anything.
On XX/XX/XXXX, I received a letter from my loan servicer in the evening that I needed to reply to this letter within ten business dates of the date on the letter, or it would automatically be processed. The letter was dated XXXX They were closed when I received the letter- which was ten days after the letter was dated.
I then called and was placed on hold and sent three emails over the next week requesting to stop the consolidation process, but it still went through. They also selected a plan which triples my student loan repayment and was not the original plan I agreed to the consolidation loan for. This is straight Bait and Switch.
Now I have a consolidated loan which I did not authorize with a repayment plan that I can't afford.
|
| 04/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I had loans for a private college through Navient. Navient put me in forbearance when I couldn't pay and told me that I'd sit in forbearance and accrue interest, or I should go back to school if I couldn't pay ( I elected to go back to school to try to get a higher paying job ). People like me should have been included in the settlement, can't tell if I actually qualify due to the limited information available, though think I should be eligible because I was steered towards accruing more debt, just in a different way than those pushed to forbearance long term.
I received forbearance steering in the form of " we won't let you have it '' so " go back to school if you don't want to default '' When I try to log into Navient it takes me to my updated XXXX account. I previously reported it and they said they " couldn't find me '' which is disingenuous, and dishonest. I have attached a PDF of one of the hundreds of emails I have in my inbox from Navient about their servicing.
|
| 01/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Aidvantage notified my doctoral program at XXXX University that I had received too much financial aid in my XXXX XXXX XXXX ( 11 years ago ) and that I needed to complete a reaffirmation agreement. This was completed on XX/XX/22 and submitted to Aidvantage electronically on XX/XX/22, again on XX/XX/22, and XX/XX/22. On XX/XX/22, Aidvantage told XXXX University that this had to be submitted in my portal in order to receive a confirmation letter. I submitted this on XX/XX/22, and was told in a written document that it would be responded to in 5 business days. I have not received a response from them even though I have sent another email to them on XX/XX/22. I now need to delay my start date for spring term because I can not get additional financial aid until XXXX University receives the confirmation letter from Aidvantage on my reaffirmation agreement. I need assistance in receiving this confirmation letter so I can receive additional financial aid and register for classes.
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, U.S Department of Education : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XX/XX/2022, I recently had to transfer my student loans to a new company called Aidvantage, because XXXX said they will no longer be handling Federal student loan repayments. Ever since I transferred my student Federal loans I've been paying on them Aidvantage has not been putting accurate information on my credit score, they've even increased my loan amount, which caused my credit score to go down. I called Aidvantage to complain about my account having incorrect information reporting to my credit score and everytime I'm waiting to talk to an agent it says my call has been rejected. I've also tried login into my Aidvantage account online and after I enter my correct username and password it still wont show my account information, it just shows a blank screen, and they have not put out system will be down warnings, so it should work. Hopefully the inaccurate student loan information has nothing to do with me recently applying for a house and recently being preapproved.
|
| 04/10/2022 |
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 |
|
|
I have two student loans with Aidvantage formerly Navient. I paid one loan off in XX/XX/XXXX. My credit reports show the account paid in full in XXXX. My credit reports were not updated in XXXX or XXXX with this Information. I filed a dispute in XXXX and my credit reports were updated to show paid in full and account closed. All of my payment history was removed. The next month XX/XX/XXXX I filed another dispute to have the account deleted from my credit reports but it was not updated. I called Aidvantage on Friday XX/XX/XXXX. I spoke to a woman who advised me to file a dispute with the credit Bureau. I told her I did and nothing happened. She advised that I write a letter to the credit division department of Aidvantage and ask to have the account deleted. She also told me that they delete accounts that are paid in full after 90 days. I told her that it's been over 90 days. She repeated herself and advised that I write to the credit division department of Aidvantage.
|
| 09/01/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Under the Covid CARES act, all student loan payments made after XX/XX/XXXX on federally owned loans are refundable. During this time, I made payments on my federal loans to Aidvantage. I requested a {$10000.00} refund from Aidvantage on XX/XX/XXXX, and was told that the application had been submitted for refund, and that the process would take 4-8 weeks for the refunds to be sent back to me. I called Aidvantage again on XX/XX/XXXX, and was told that my refund had been submitted, but that there were no updates. I am not worried so much about when the physical money gets back to me, since that has to come from the Department of Education, but I was expecting the loan amounts to reinstate on the Aidvantage website by now since they legally have to refund the money to me. It feels as though Aidvantage is dragging their feet since there are no email confirmations that a refund application was submitted, and it takes over an hour to get a hold of a customer service agent.
|
| 12/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
In XXXX, I had requested a refund for payments made during the forbearance period, totaling in {$10000.00}, with my previous student loan servicer, XXXX, to which original payment was made in accordance with the CARES Act Without notice by mail or email, I had come to find that my loans were transferred from XXXX to Aidvantage on XX/XX/XXXX by calling into the XXXX Customer Service call center. In this same call, XXXX informed me that they could no longer be of assistance as my loans were no longer serviced by them.
Since, I have contacted Aidvantage several times a month only to find that my loans have still not fully been transferred over despite the announcement on XX/XX/XXXX that all borrowers have been transferred over ( https : //studentaid.gov/announcements-events/fedloan-stop-servicing-loans ).
Likewise, over 3 months from my initial request, I have yet to receive my refund, nor do I have access to view my account history with either XXXX or Aidvantage.
|
| 05/16/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Aidvantage XXXX XXXX XXXX XXXX VA, XXXX XX/XX/XXXX This letter is in reference to inacccurate /negative items on my XXXX credit report. In violation of FDCPA and FCRA laws and my rights as a consumer as such : Right To Notice Of Debt - I never received a letter within 5 days of first contacting stating, The amount of debt, The owner of debt ( Aidvantage ).
Right to contest the debt!!!
Right to verify the debt!!!
Aidvantage is reporting the same account number for different accounts. How am I to determine which specific account is which? Aidvanatge reporting inaccurate date opening on accounts, also not reporting the original creditor of the debt. The payment history is also inaccurate. It goes from paid on time XX/XX/XXXX to 90 days late XX/XX/XXXX and 120 days late in XX/XX/XXXX. How is that even possible?
Can you please conduct a reasonable investigation and correct or delete/remove negative accounts. These violations are causing me actual damages!!!
|
| 01/27/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
From XX/XX/XXXX through approximately XX/XX/XXXX, my student loans were serviced by XXXX. During this time, they told me that I was enrolled in the XXXX program and making qualified payments. Multiple agents at the organization told me this. From XX/XX/XXXX through XX/XX/XXXX, I was a fellow with XXXX at the federal XXXX. From XX/XX/XXXX through XX/XX/XXXX, I was employed by a consulting firm XXXX XXXX XXXX XXXX XXXX in XXXX, GA ) placed at the federal XXXX. XXXX told me this was a qualified employer. Not until I tried to get these payments certified did XXXX tell me that they were not qualified because I worked for a consulting firm and was not an actual XXXX employee. I also worked for a nonprofit in XXXX before starting graduate school from XX/XX/XXXX through XX/XX/XXXX. XXXX also said these payments were eligible. Summer of XXXX, I was informed that XXXX was not authorized to manage any XXXX payments and that none of these payments would be qualified.
|
| 10/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
|
I tried to contact AidVantage on XX/XX/2022 at XXXX. After being on hold for about 10 minutes a representative had my call come through their queue ( I know this because the line rang and then I was put on hold - I work in a XXXX XXXX and am very well aware of how this works. ) I was then on hold for 20 minutes before the line was disconnected and the survey came through. I knew to hold as, again, I have experience with the policies of a XXXX XXXX. I left the rep all 1s for their rating ( and surely messed up their metrics in the process ) but couldn't get a hold of the company to express these concerns. As this was the first time I was trying to contact my new aid manager, AidVantage certainly fell very short of my expectations. I will be removing loans from them one at a time, as I can, as quickly as I can, to ensure they get as little interest as possible. Their reps are a reflection of the company and so far, it's fallen quite short of expectations.
|
| 10/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
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|
Web |
Servicemember |
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I have very important details to discuss with Aidvantage about the status of my XXXX plan and the status of my XXXX credits under loans serviced by Aidvantage 's predecessor, XXXX. I have attempted at length to discuss this with Aidvantage, but they do not seem to answer their phones and insist that borrowers must write letters to them and await letters in response. Yes, you heard that right. We have literally been writing letters back and forth to each other. I just received one in the mail a few weeks ago, which arrived close to a month after I sent my last letter, and it did not resolve the question I was asking in my letter. I feel like they are gaslighting me about the status of XXXX credits. It has taken months and I still don't have the information I need. My ask is simple : I would like a phone call with someone competent to discuss my student loan account, including the status of XXXX credits I should have from Aidvantage 's predecessor, XXXX.
|
| 11/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
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Web |
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I have never ceased the payments on the loan, even during payment pause. I have continued to pay the {$140.00} per month on the payment which is actually {$140.00}.
I received an email today saying I missed the first payment since the payment pause was lifted. I have digital records showing I have sent the payment consistently throughout the duration of the payment cycle ( for years ) I feel this is a simple problem where payment may be misdirected ( they have changes acct # 's with no notice to me, I see this on their website after todays email ) but can not get in touch with the Aidvantage, they will NOT answer, they have NO email and their chat is a BOT.
I just want to get this solved and understand where my payments are going. This whole.student loan issue is a mess since they transferred it to Aidvantage without any option. I contacted them and have held for HOURS and not ever picking up. I just want an agent to help me understand this issue,
|
| 07/06/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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Since XX/XX/XXXX until now I have been making bi-weekly payments of XXXX towards the principal amount of my federal student loan. Per COVID federal forbearance no interest was to occur during this time. From XX/XX/XXXX until XX/XX/XXXX all payments went to interest and zero went to principal. Since XX/XX/XXXX payments made are randomly applied to interest or principal. I have called them on XX/XX/XXXX and XXXX to credit my principal as no interest was to accrue during this time. The first person said it was because payments came from my checking. The second time after over an hour they said my loan requires payment to interest even if no interest occurs regardless of the federal forbearance. After an hour I was suppose to be transferred to a supervisor which instead they hung up on me.They are refusing to fix my loan amount and apply payments to principal. I request that you look into this immediately as I am sure I am not the only one being scammed.
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| 01/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
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Web |
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Under the CARES Act, I requested a refund of my student loan payments made during the XXXX pandemic, totaling ~ {$5000.00}, on XXXX. I was initially told that the process could take XXXX weeks during my initial phone call when I submitted the refund request. I called once again for a status update on XXXX and was told by the initial customer service representative that my call will be transferred to a different department, only to be hung up on entirely. I called back minutes later, was again put on hold, and then had my call answered. At this time, I was told that my request could now take up to XXXX weeks to process. At the XXXX mark, which was last Monday XXXX, I called once again for an update. I was now told that my request could take up to XXXX weeks.
In summation, I get the run-around and bad service each time I call Aidvantage for an update. I'm not sure if my request has even been processed, or when I XXXX receive my refund at this point.
|
| 03/12/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I just recieved in the mail my first contact by aidvantage who i didnt know was going to be taking over from XXXX XXXX With XXXX I was almost complete in the process of having my loans forgiven. When I opened the letter it welcomed me to aidvantage and stated my payment schedule for the first payment due on XX/XX/2022. I received this letter *first contact* on XX/XX/2022. I logged on to this new account and see that I am past due and and missed 1 payment! What. Payments are suspended until XX/XX/2022! Also my payment schedule is XXXX dollars a month when I have been paying XXXX dollars. I am XXXX, XXXX, and am a military XXXX. I am filing a complaint with you, the state board, XXXX, and the cfpb. I want any missed payments removed and expunged from record and I want any reporting to credit bureaus reversed. I want my loans to be forgiven or discharged immediately.
Desired Settlement : Billing adjustment ; Correction to a credit report ; DISCHARGE
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| 05/04/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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My loans began with XXXX in XXXX They held my loans until I discovered the PSLF program and after my research was able to discover I do qualify. I just needed to transfer my loan to XXXX XXXX and enroll in the correct IDR plan. My loans sat with XXXX from XXXX. During this time 3 payments were made. My loans sat in forbearance for XXXX months. According to the lawsuit filed by my AG, I qualify for {$450.00} worth of compensation. I received my notice yesterday. {$450.00} is an insult. I need those XXXX months to qualify for a program that was already in place for two years. Instead, I spend every spare minute fighting for change and fighting for justice. XXXX has denied forbearance steering whenever I complain, yet how can they explain XXXX months of forbearance, on a graduate plan, and never informed about this program?
I am now told there is a chance my forbearance will count, but have to wait again... I need to wait until the Fall for change.
|
| 02/23/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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In XX/XX/2021 XXXX submitted an application for Direct Loans Consolidation with studentaid.gov. She selected an income driven repayment plan on the application and selected XXXX XXXX as the servicer. XXXX XXXX noted on the application that XXXX would handle the transfer and then send to XXXX XXXX. In XX/XX/2021 XXXX contacted XXXX to request income documentation and she submitted via certified mail. In XXXX her credit report still showed student loans in default so we contacted XXXX at XXXX and spoke to XXXX and she said she was not sure why it had not come over to XXXX XXXX yet and gave us case number XXXX. Told us to check back. In XXXX we checked her credit report again and found the student loans still in default. So we called again and spoke to XXXX ID # XXXX in Default Resolution Group and he said that XXXX had checked the balance of her loans in XX/XX/2021 and then never sent payment for the consolidation and they have sat there ever since.
|
| 10/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
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Web |
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My repayment plan was approved, and my first payment is due today, XX/XX/23. When I attempt to add my bank account details to the Aidvantage online system, the system displays an error message stating that previous transactions were returned from this bank account, and it won't allow me to enter my bank account details. However, there have been no previous transactions at all between the loan servicer and my bank, and certainly none that were returned. The loan servicer is new to me, and we have no history at all.
The error message prompts me to request that my bank send a letter to the Aidvantage fraud department to resolve the issue. This bank account is my only account and the only way I can make payments. The loan servicer will not allow me to enter my partner 's bank details, nor pay with another card. Therefore, interest is accruing, the payment is now late, and I have no recourse. I have contacted the loan service twice without response.
|
| 10/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
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Web |
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Aidvantage has changed my payment plan three times. First it was XXXX, then XXXX. Now they are saying my monthly payment plan is XXXX. I applied for the IDR on XXXX XXXX XXXX They calculated my monthly payment at XXXX dollars a month. I then filled one out on aidvantage and at first it said XXXX dollars a month. They switched my monthly payment today, while their office was closed. With payment due Sunday, I have a family and can not afford a XXXX payment. From my understanding the standard student loan payment plan is over a 10 year period, and so is the XXXX plan. With this new payment plan it is showing I will have it paid off in 10 months. They have miscalculated somewhere, and I can not get a hold of them to fix it. Now coming monday I will most likely have a negative impact on my credit score because I can not afford this outrageous payment. I am considering getting a lawyer as well. I have been very stressed regarding this whole incident.
|
| 10/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
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Web |
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I have tried to make payments on my student loans through my loan servicer, Aidvantage. The first attempt occurred on XX/XX/2023 for the full amount of my loan, which was {$50000.00}. The payment was reversed, and I thought it was due to making such a large payment with a newly attached account through XXXX. The second attempt occurred on XX/XX/2023 in the amount of {$5000.00}. I received an email confirmation that my payment was received and posted. When I checked my account today, I found that the payment was reversed, again, without any email notification, and my account shows that I missed a payment. However, there was a document in my inbox in my Aidvantage account that stated that the payment was denied because of an incorrect account number. However, my account number that I linked to make payments is correct. I have tried to call Aidvantage multiple times but am unable to speak with a representative after waiting on the phone for hours.
|
| 10/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
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Refund requested through Aidvantage per COVID update for payments made since XX/XX/XXXX on XXXX. At that time I was told 2-3 weeks to receive refund in my bank account via direct deposit. Called back XX/XX/XXXX to confirm everything was set and there were no delays because a friend mentioned they were told up to 10 weeks for processing. At that time I was told the timeframe is now 6-8 weeks until my balance would reflect the loans added back to overall balance on studentaid.gov a few more weeks until its updated in Aidvantage view and theyre unsure when Id receive a refund. The refund was requested because of the COVID update and financial crisis. I can not wait with no confirmed true turn around time and get a different answer every time I call. Theyre also not willing to share any sort of documentation or post any kind of updates to ensure the refund is in process and I dont trust that they are handling my request correctly or expeditiously.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance to the Fair Credit Reporting act. The list of accounts below has violated privacy and confidentiality under XXXX XXXX XXXX.
XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( A ) States I have right to privacy. It also states the consumer reporting agencies can not furnish an account without my written consent. In section 604 section 2 15 USC 1681c ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 03/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
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Web |
|
|
I reached out to XXXX XXXXXXXX to retrieve my unofficial transcript on XX/XX/XXXX and was told there is a hold due to an outstanding balance. They notified me the balance is from XXXX, for {$1400.00} and this is my first notice of the over due balance. I received XXXX during my attendance to the school and should not have an outstanding balance of any kind. I am determined to go back to school, my major has changed and I need that transcript for my future and to withhold it from financial hardship is unfair to me. I offered to do a payment plan even though I shouldn't owe the balance and they still said they wont release my transcript. I have never been notified of the over due balance and they state they already sent it to a collector. I reached out to Aid Advantage the servicer of my loan and they said I do not owe a balance until XX/XX/XXXX. At this point I am confused as to how a school can hold me from my future. I just want to succeed.
|
| 10/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have called this company three times in the last month. I wanted my balance before my debt was transferred but they failed to send me the information. I paid XXXX XXXX of my own money but the loan that I see doesn't reflect that. I was told I was going to have a XXXX dollar payment from my last loan company XXXX XXXX XXXX They were a great company. Very helpful and answer the phone. but aidevantage said it will be XXXX. Then I went on the SAVE plan and aidvantage said it would change to XXXX. Then aidvantage still charged me XXXX. Please help. It's an hour wait every time I am on the phone and the representatives all tell me different things and they do not know how the repayment plans work. Also my loan keeps going up even though I am paying all the interest plus some of the principle. I work hard and I do pay my debt it's scary to just see it keep going up. Please help. I am currently on hold for 45 mins hopefully they will answer soon.
|
| 04/19/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I was given advice by the lender in consolidating my loans. This advice impacted me in a negative way. First, the interest that I had accrued by that point was automatically capitalized making the student loan compounding. Secondly, the interest rate was simply averaged out over the loans. I could have paid higher interest loans off earlier helping me get out from under the debt. I know more now, but I was misled by the loan servicer through the consolidation process. I was never told by the account rep during our conversation that the interest would be capitalized.
Date and actions On XX/XX/2015 the total of {$19000.00} was capitalized and I began paying interest on that amount. This was due to consolidation. That was an amount already interest with zero benefit to me as a debtor ( other than having a single payment vs multiple ).
I am also unclear on why the amount went from XXXX -> XXXX during the consolidation process ( XX/XX/2015 )
|
| 10/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
New company servicing my federal student loan. My loan repayment was {$360.00}, starting this month. AidVantage kept emailing stating I could lower my payment through a loan simulator. This is also on their website. LOWER amount! SAVE money! I filled out the online application to LOWER not RAISE my monthly payments. My payment rose to {$440.00}. Who in the HECK would increase their monthly payment!? This is a scam, and they are getting over on folks ( XXXX, others having this SAME problem ). I should have been given the opportunity to ACCEPT the higher payment, but they knew I wouldn't. I demand they lower my payment back to what it was {$360.00}. I DID NOT agree to a higher payment. I've called twice ... on hold XXXX XXXX minutes. The reps do not have a clue as to what is going on and did help at ALL. They BOTH hung up on me. I asked to speak to manager both times. They would not allow it. I don't even believe they are in this country.
|
| 10/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I called AidVantage on XX/XX/XXXX to request a refund of my student loan payments made since XXXX of XXXX until the present. I was told by a rep. then that my balance would be reinstated within XXXX hours and approved in XXXX weeks. It is now almost XXXX weeks later and I have not seen my balance reinstated on aidvantage. I have called once a week since then and have received different information every time I was called. I even called this past Monday, XX/XX/XXXX, and I spoke to the most unprofessional rep. He told me to calm down and to stop calling. He even brought in my age and implied because I was young, I was impatient. I have filed a complaint with AidVantage only to receive an apology email stating they are working on it, and now I have to wait an additional XXXX weeks. This is absolutely ridiculous. There is no confirmation that my request has even been approved, and every time I call, I get a new answer to where my refund is.
|
| 06/25/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
On XX/XX/XXXX I received a notice of change for my student loan service provider from XXXX to Aidvantage now this happens to come right before XXXX lost the lawsuit against them. I have contacted Aidvantage to receive my account number as well as any other documents needed to see if I qualify for student loan cancelations and that information was never given or sent to me I am still currently waiting. When I attended school in XXXX of XXXX XXXX was still named XXXX XXXX not University as it is now. I was coerced into agreeing with whatever terms were stated at that time due to my age at that time XXXX and not knowing what I was getting myself into. Now fast forward to XXXX and understanding all that is happening makes me believe I was deceived by my school and student loan lender. Now Aidvantage is simply wanting me to resume my payments but the information I have kept requesting about my account and summary is being denied or ignored.
|
| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Why am I STILL confused about the status of my loans?
Why can't I get clear, concise and COMPETENT information... EVER?
Why does it take FOREVER to receive responses from " Customer Service ''?
On which plan am I? I believe that I applied for the " SAVE PLAN '' that AidVantage has been touting for so long?
From where did the XXXX XXXXXXXX XXXX come? Why is it listed on my loans at all? I NEVER completed more than a WEEK of class at that institution. Weren't those loans CANCELLED?
There are at LEAST TWO ( 2 ) more e-mails that were sent to " Customer Service '' within these past TWO ( 2 ) WEEKS. Why am I STILL WAITING for CLEAR, COMPETENT, and TIMELY responses?
What is my progress towards loan forgiveness?
What was the REAL issue with my JOINT BANK ACCOUNT? You can SHOVE " auto-pay ''! I'll pay MANUALLY, thank you!
Frankly, my student loans have been through entirely TOO MANY servicers during these past XXXX or so years!
|
| 11/23/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
|
XX/XX/2022 called AidVantage at approx. XXXX XXXX -- My original call was to request a refund of payments made during XXXX back on XX/XX/XXXX. I was told it would take about 4-6 weeks. I waited 6 weeks before calling back for a status. I was then told I could not be given a status and that it is now taking 10-12 weeks. I was of course not happy about the lack of communication about the time frame change and the inability to tell me where I was in the process. We did not agree on the time frames and she thought she put me on hold to hang up. While she thought I was on hold she called me an ungrateful XXXX then when I asked not to be spoken to that way, without comment, the call was disconnected and went to an automated survey. I understand frustration but I am not OK being cursed at by a customer service rep at any time from a company that I am forced to do business with. Especially when I did not use any foul language towards the rep.
|
| 08/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Aidvantage student loans- Account number- XXXX
|
| 03/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I paid off my student loans in XXXX of XXXX when I bought my house. My servicer at the time was XXXX XXXX. In the last few months, my servicer was changed to Aidvantage. I woke up this morning, XX/XX/XXXX, to an email from them saying I have a bill, owing them {$740.00} due on XX/XX/XXXX. I logged into my account, and they are saying I have an outstanding balance of {$10000.00} and that I've missed 4 payments. My loans are already paid off! Their website says they open aXXXX XXXX XXXX eastern time and I've called 7 times ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it says they're closed. I tried the chat and it says the volume is too heavy and the feature is unavailable. I've emailed but I don't expect that route to go any better than the other two.
This is the first contact I've had from Aidvantage since my loans were transferred. I never received a welcome letter or a bill in the mail or anything.
|
| 10/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Hello, My name is XXXX, and I am currently trying to get a refund for my student loans that were paid off during the pandemic.
My loan service provider is Aidvantage, and I had requested a refund with them to bring my balance up to {$20000.00} initially on XX/XX/2021. The customer service was excellent and they had no issue doing so, and had told me that it would take 4-6 weeks for my refund to process.
I had called back the next week, and was told that my refund was then approved on XX/XX/2021 and the 4-6 weeks would start from there. It is now approaching the 6 week mark, and I have not seen my balance updated on aidvantage 's website or been contacted at all about the status of the refund.
I understand that the company is probably under a lot of XXXX at the moment, but it would be great to have some sort of action take place since I was told that I would definitely receive the refund in the 4-6 week period.
Thank you!
XXXX
|
| 11/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Requested a Refund on XX/XX/2022 from Aidvantage for payments made during COVID. At which time i was told it would take 4-6 weeks to process and would be repaid the same way it was made and confirmed it was still the same bank account on file.
XX/XX/2022 Called for an update and was told 6-8 weeks. The approval date was on XX/XX/2022.
XX/XX/2022 XXXX Called for a update had to look for my loan request was now told 8-12 weeks for ACH direct deposit and 10-14 weeks for check. Then i was told request was put in for a check and there was nothing they could do.
XX/XX/2022 XXXX called back talked to another representative who also had a hard time finding my request. She stated it was still processing on there end and that she could put a note for request via ACH still.
Currently almost 9 weeks in today and no updated balance since the initial 4-6 week window i was told, initial request was put in on XX/XX/2022.
Thank you, XXXX XXXX
|
| 05/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
Aidvantage, who has recently take over several of my student loans fraudulently deducted payments for federal student loans without authorization to an account that was never provided directly to them.
Calling them was useless as they stood by that I set up auto payments which is a lie as these accounts were recently taken over and are NOT in repayment status nor have they been for over a year due to COVID.
I never provided the bank account, never authorized automatic payments, and certainly never authorized payments on accounts that are not even in repayment status.
I suspect previous banking information was somehow transferred from XXXX to Aidvantage without consent. The money was deducted from a bank account I have not used as a personal bank account in over two years!
On top of this : they over drafted the account and ignored me when I asked if they intended to PAY the fees associated with their unauthorized transaction.
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : Dept of EdXXXX XXXX XXXX Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
|
| 03/11/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I am a perfect example of the horrible loan servicing of Navient. I have hundreds and thousands of dollars of student loam debt and I'm only a XXXX XXXX. Just like many others from the early 2000 's I was offered deferment constantly until I am in a place where the only thing keeping me from getting a home loan is this student loan debt. I didn't realize at the age I was by getting the deferment that they always pushed what kind of debt I was getting into. I was glad to hear that they were going to have to forgive debt for students like myself only to find that this company has pushed my debt to another company Aidvantage to try and hold on to this astronomical debt. They knew what they were doing because anyone looking at my account knows I qualify for debt forgiveness. Navient handled my debt the whole time until it was time for debt forgiveness and then gave it to this new company in an effort to keep the debt. Please help me.
|
| 12/25/2022 |
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 |
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i sent a letter on XX/XX/2022 to XXXXand XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 usc 1681 s-2 15 usc 1692c 15 usc 1681i
|
| 10/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
It required a previous CFPB complaint to get Aidvantages attention to assist me in enrolling my loans into auto pay. Now, although my loans claim they are in auto pay, payments are not being made when my account claims it will do so. I am worried about making a manual payment since I dont know if the auto payment will be made or not. In my last CFPB complaint, I noted that calling Aidvantage would always leave you with a voicemail inbox that couldnt accept messages and it would hang up on you. I have now been on wait for more than an hour today spanning two different calls to Aidvantage. They did not fix the voicemail inbox issue, they just removed the voicemail inbox all together. Now you are just on hold with no indication of ever actually speaking to anyone. I just want to pay my loan and trust that the information provided to me by Aidvantage is accurate. Aidvantage is not permitting me to achieve either of these goals.
|
| 10/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Sometime in late XX/XX/2023, I received letters from Aidvantage telling me my autopay would still work and that my new monthly payment would be {$420.00}. The issue I had was that my minimum payment was {$320.00}.
On XX/XX/2023 I waited on hold for an hour before reaching a customer service rep. I told him the situation and he told me there was nothing he could do on his end and the best bet would be to cancel the auto pay, and redo it and hope that would fix the amount paid to the amount owed without the overpay. I asked him specifically if there was enough time between XX/XX/2023 and XX/XX/2023 the day my first loan was due. He assured me it would be fine. So I cancelled the autopay, and resubmitted the autopay ( Emails attached showing this was done ).
Today on XX/XX/2023 I log in to see that I've missed a payment, that my autopay did nothing, and now when I try to autopay it has the amount due as {$420.00} not XXXX.
|
| 12/30/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I contacted Aidvantage on XXXX and requested a XXXX student loan repayment refund for all payments made since XXXX XXXX XXXX.
I was later told that my refund request was processed on XXXX and that it would take the Treasury department 10-12 weeks to issue me my refund through direct deposit ( the method I paid ).
I have not seen my balance updated on Aidvantages website. It has now been 8 weeks and I called Aidvantage on XXXX following up on the status of my request. I was told that it has not been processed and that it is taking kind of long so the representative would insert a note that it should be expedited. The representative then went on to say that it may still take an additional 2-4 weeks on Aidvantages end.
I was told initially ( XXXX ) that it would take 10-12 weeks for me to receive my refund.
After 8 weeks why hasnt my student loan balance at least been updated and my refund sent off to the US Treasury?
|
| 07/14/2022 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Denied loan
|
|
Web |
|
|
In the fall of 2012, I took out private XXXX loans through XXXX ( now Aidvantage ) to attend the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) in order to get a XXXX XXXX that would allow me to XXXX XXXXXXXX XXXX. My credit was not very good, so I had to ask my father if he would cosign with me, which he agreed to. XXXX loan was an unsubsidized direct loan for {$20000.00}. The other was a XXXX XXXX XXXX loan for {$10000.00}.
After successfully completing XXXX year of XXXX school, I was informed that I was not eligible to take out further loans that would allow me to finish a XXXX year XXXX program, leaving me with {$30000.00} in debt and nothing to show for it.
I dont understand why I was allowed to take out the initial loan if I wasnt going to be able to at least have the chance to finish and pursue the education career that I had intended.
This experience has left me completely jaded towards the US education and loan system.
|
| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
From XXXX to XXXX of 2019 My account reported 90-120 days late in which I immediately noticed this change and contacted the loan company. I corrected them letting the know I was still enrolled in college in which case there is no possible way to be late as they are federal student loans. They have a grace period of 6 months after completing your education to begin payments. They apologized for the mistake and corrected my account status however they did not revise the months for which it reported negatively on my account. This has been hugely damaging to my credit over the years following and has never seem to have been corrected. Under section 15 U.S.C 1681-1685 I have the right to fair credit reporting. I have likely paid thousands more in day to day purchases thanks to this incorrect reporting that has been around for the entirety of my adult life. If this is not corrected I will need to seek legal help in the matter.
|
| 12/11/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
I have no problems lowering my monthly payments. However I was defrauded by the school I have some student loans for. I was not able to get a job after graduation. I was promised employment and job placement. I was did submit an application for borrowers defense. I already had two small applications pending. However this application is for about {$30000.00} in student loan debt. I was not aware of my options and there is no way to submit the application except through email. The process seems lengthy. I am currently unemployed. I have asked repeatedly for resolution to my ongoing issues with my student loans. I am not getting any resolution from Aidvantage and not giving me options. I am asking them to review my current situation and my loans with XXXX XXXX. I graduated with the promise of employment and the promise of job opportunities. They told me they had career placement. None of this happened after I graduated.
|
| 10/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AIDVANTAGE -XXXX XXXX XXXX XXXX aidvantage.com XX/XX/XXXX I have been trying to contact Aidvantage for months, emails, faxes, phone calls. XXXX transferred my servicer to Aidvantage XX/XX/XXXX. The problems ( 1 ) My students loans were discharged in XX/XX/XXXX by the XXXX XXXX XXXX finalized in XXXX. Aidvantage ( and you XXXX ) keep reporting the balance of {$200000.00} to the credit bureaus. ( 2 ) Additionally, Aidvantage incorrectly reports the loans were from XXXX XXXX XXXX. They were from XXXX XXXX I sent numerous emails, faxes, phone calls no one answers. This issue is intentionally hurting me and my credit. This needs to be corrected and reported correctly. I owe XXXX I have also contacted the CFPB, XXXX and my Senator. CORRECT THIS.
I HAVE ATTACHED THE INFORMATION CONFIRMING THE LOANS WERE FROM XXXX XXXX
Regards, XXXX XXXX XXXX Cc : file
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hi, I have gotten a notice from XXXX stating my student loan that I had with them of {$28000.00} has been paid in full, I also have an online account with XXXX and still till today, when I log in, it's stating that my balance that I owe is {$0.00}. Per XXXX they had reached out to all three credit report bureaus to inform them of this information. XXXX and XXXX has showed the correct update of that balance of {$28000.00} being paid in full but XXXX is still showing that I have a balance with XXXX XXXX XXXXXXXX of {$28000.00}. I've been calling and speaking with the rude agents at XXXX and they are stating thaXXXX XXXX had updated them on XX/XX/23 stating that I still have a balance with them which is incorrect. At this point I don't know what to do, I'm literally being tossed around and getting absolutely no where. I would gladly appreciate if you can please help me with this issue.
Thank you, XXXX XXXX XXXX
|
| 10/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
To whom it may concern, I called Aidvantage the last week of XXXX to request a portion of my student loan back due to the CARES act. I was told it would take 4-6 weeks. Then on XX/XX/XXXX, I called back to check on the status. It was then found out that the request was never processed. The person helping me Submitted a neo request of {$20000.00}. He said he would escalate the situation, and said that I will see the balance back on my Aidvantage account soon. I called back today XX/XX/XXXX to check on the status. I dont want them to drop the ball again. The person said that it will again take 4-8weeks. I am getting mixed information about timelines and expedited procedures that Aidvantage doesnt seem to be able to hold. I have contacted them via email to explain my situation. I am not happy with how they are handling this situation since the student loan refund Cares act is nothing new. Thank you for helping me.
|
| 04/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Across multiple dates in XXXX and XX/XX/2022, login to the Aidvantage XXXX XXXX XXXX processing website was attempted. Attempts were made during as well as after business hours on multiple days without any success at gaining access to my personal student loan billing information. Troubleshooting guides on the Aidvantage website were not helpful, if they loaded at all. Automated help desk calls also did not address the issue as it appears the login function of Aidvantage 's website simply odes not work. In fact, more often than not, the login dialogue box in particular will not load into the main website page. Reading the experiences of others on student loan finance forums indicated that this is the rule rather than the exception and many individuals with loans now administered by Aidvantage are frustrated with the company 's inability to provide adequate services for their customers. The website does not work.
|
| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I placed several account disputes with XXXX, XXXX, and Aidvantage related to an incorrect account reporting on my XXXX and XXXX credit file.
XXXX and XXXX is stating they have verified the information and no changing can be made, which is totally false.
Aidvantage is stating they do not even show this account that is reporting.
XXXX shows the account from Dept Of ED/XXXX , acct # XXXX as open on XX/XX/XXXX with a balance of {$2300.00} but a orginal balance of {$2000.00} I had all of my student loans consolidated with Aidvantage XX/XX/XXXX for the following loans account numbers and amounts for a grand total of {$9000.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$2300.00} XX/XX/XXXX : {$1800.00} XX/XX/XXXX : {$1100.00} It appears loan # XX/XX/XXXX did not update or reflect to show such as it is still showing open and late on my credit reports and XXXX and Aidvantage refuses to do their job to correct this.
|
| 07/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Older American |
|
Before I consolidated my student loans with a parent plus loan, I spoke with XXXX at length about it and I was told that my payments made would still count towards discharge and would remain the same. Discharge in 25 years. They gave me credit for those months and continuously reported it as such.
However, when AidVantage took over they changed it and took away those credit years showing now I owe another 18 years. I complained and they refuse to change it back. I filed a complaint with Student Aid and they just referred it back to AidVantage and it won't change.
So, now I'm trying to file a complaint with CFPB to see if I can get this addressed and taken care of. I'm almost XXXX XXXX XXXX. The massive interest on the student loan has grown and it will never be discharged in my lifetime if I don't have credit for the years as stated by XXXX. If I get credit for those years, I will be close to discharge.
|
| 11/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
AidVantage is charging interest on student loans despite the SAVE program 's terms.
When queried, they provided in a separate communication that {$170.00} of interest was removed for the month of XXXX.
However, this is not reflected on any statement, any online " recent transactions '' ledger or anywhere. My accounting provides that more than {$170.00} was charged, but I can not reconcile this number, as their statements provide no accounting for accrued interest and removed interest ; yet, my balance continues to climb every 2 days.
AidVantage has a requirement to provide clear and accurate statements, which they are not doing. I am separately pursuing criminal charges against AidVantage for willful fraud due to this lack of transparency. This balance is over $ XXXX and I will not be defrauded by a company that refuses to demonstrate their charges. You guys need to do something about these companies.
|
| 10/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I had a starting loan balance of {$160000.00}, serviced by Aidvantage. I made a total of {$130000.00} of payments in XXXX and XXXX of XXXX ( {$25000.00} on XX/XX/XXXX, {$25000.00} on XX/XX/XXXX, {$25000.00} on XX/XX/XXXX, {$25000.00} on XX/XX/XXXX, and {$30000.00} on XX/XX/XXXX ), bringing my total student loan balance to {$60000.00}. I then made an additional payment of {$300.00} on XX/XX/XXXX, bringing my balance to {$60000.00}.
I then received communication from Aidvantage that my loan was consolidated, and that my new balance is {$160000.00}, even though it should be {$60000.00}. Thus, Aidvantage knowingly falsified my new student loan balance and pocketed {$130000.00}, with the plan to collect additional interest on this falsified balance. In addition, Aidvantage did not even acknowledge my last payment of {$300.00} on XX/XX/XXXX.
I have proof of every single payment made through my personal bank.
|
| 05/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX To Whom It May Concern : I am writing to dispute the accuracy of information on my student loan account. According to my records, there is an error on my account that I would like to have corrected.
I have attached copies of my loan statements and other relevant documentation that support my claim.
I have already contacted my loan servicer DPT ED/ AIDV to attempt to resolve this matter, but have been unsuccessful. I am now seeking your assistance in correcting this error and ensuring that my credit report reflects accurate information.
I request that you investigate this matter and take appropriate action to correct any inaccuracies. I also request that you inform me in writing of the results of your investigation.
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX
|
| 08/31/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have a XXXX loan that has a XXXX dollar balance remaining. Meaning I have NO balance. Even if I did have a balance, loans have been paused by the government for the last 2 years. Despite both of these things, Aidvantage is showing my loan in default. I contacted Aidvantage last week as I can not access ANY of my loans on either Studentaid.gov or Aidvantage due to this default status. I was told the default status would be cleared within 24-48 hours. It is 7 days later and the status has still not been cleared. I have since made 3 additional phone calls which have resulted in more than 1 hour on hold waiting for a service representative and have still not been able to get back in contact with Aidvantage. This needs to be fixed immediately and also reported properly to the major credit reporting bureaus as well, as this default status has had an enormously negative effect on my entire financial portfolio.
|
| 01/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
In XXXX I had requested a refund for payments made during the forbearance period, totaling in XXXXXXXX with my previous student loan servicer, XXXX, to which original payment was made in accordance with the CARES Act Without notice by mail or email, I had come to find that my loans were transferred from XXXX to Aidvantage on XX/XX/XXXX by calling into the XXXX Customer Service call center. In this same call, XXXX informed me that they could no longer be of assistance as my loans were no longer serviced by them.
Since, I have contacted Aidvantage several times a month only to find that my loans have still not fully been transferred over despite the announcement on XX/XX/XXXX that all borrowers have been transferred over XXXX XXXX XXXX XXXX ). Likewise, over 3 months from my initial request, I have yet to receive my refund, nor do I have access to view my account history with either XXXX or Aidvantage.
|
| 10/25/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I entered into a XXXX XXXX XXXX XXXX XXXX loan as a co-signer with my wife at the time when we were only XXXX XXXX XXXX in the year XXXX. We XXXX XXXX XXXX XXXXater in XXXX under very negative circumstances and have had nearly XXXX connection over the past XXXX years. Our XXXX decree stipulated that my ex wife was responsible for the XXXX joint loan as the vast majority came from her schooling and not mine. However, she stopped making payments a couple years later after filing for bankruptcy. Now my XXXX XXXX is devastated by this and I'm forced to make payments on her behalf.
XXXX was unwilling to help connect me with my ex in order to share information. XXXX also stated that I am not eligible for a loan separation. I have had years of agony trying to ask for help on this topic and feel betrayed by the system that allowed a XXXX XXXX XXXX XXXX XXXX loan to happen in the first place.
Please help!
|
| 10/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
I have tried to make XXXX payments on my loan to the Aidvantage company and all three times they have made a reversal payment. I was very careful to verify my bank account information when making my purchases. Because of that I have a late payment and because of that more interest accumulates so I want it to appear as if I had paid on time.
I have not contacted them directly but I have searched for information online and cases appear with similar problems where the company only blames the person or the bank and I really do not try to go through that process to waste my time. Someone else fixed the situation by submitting a complaint here and that is what I want to do.
The dates of the attempts to pay were : XX/XX/2023, XX/XX/2023 and XX/XX/2023.
I have the XXXX emails that Aidvantage sends with payment confirmations.
My bank account is with XXXX XXXX XXXX XXXX XXXX, with routing number XXXX.
|
| 05/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I am eligible for XXXX Loan Forgiveness as per the guidelines. I submitted the application to my loan servicer, Aidvantage, on XX/XX/2022. My application was denied on XX/XX/2022 because they claimed I am ineligible. After speaking with their customer service, I learned it is actually because I did not fill out the form as per their specifications. I applied again on XX/XX/2022, this time including a letter from my employer with the details of my eligibility. I was denied a second time on XX/XX/2022 because they claimed the XXXXXXXX XXXX XXXX ) I worked for were not listed in the XXXX Cancellation Low Income Directory. This is blatantly untrue. I submitted a third application today, XX/XX/2022, this time including screenshots from the directory. I also wanted to lodge a complaint with the CFPB because Aidvantage 's denial of my application is now in violation of the laws governing the TLF program.
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My student loans have been forgiven by the Federal Government. XXXX and XXXX show that I have no open loans and that they are paid off. XXXX shows that I still owe {$92000.00} to AidAdvantage. My loan was transferred from AidAdvantage to XXXX in late XXXX. It was then forgiven at XXXX in XX/XX/XXXX. XXXX shows the balance at XXXX to be {$0.00}. In early XX/XX/XXXX, I provided XXXX with my letter from the Federal Government stating that the loan has been forgiven, a screen shot from the XXXX showing a XXXX balance. They denied my request to remove the balance from my credit report. Then on XX/XX/XXXX, I provided them with the letter from AidAdvantage stating that my loan was transferred to XXXX. I also provided them with a letter dated XX/XX/XXXX stating that the loan balance at AidAdvantage was {$0.00}. Again they denied my request to update the credit report. They state that I still owe a balance.
|
| 10/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I previously applied through student loans.gov to convert my XXXX loans ( all ) to the XXXX plan in XX/XX/2023. I never received anything from my loan serviced AidVantage.
Then, in XX/XX/2023, I contacted AidVantage customer service, waited on hold for 50 minutes, and then processed another similar request through an agent, and she advised me that my monthly payment would be approximately {$320.00} per month and that I would receive a confirmation from AidVantage that the loan payment terms were being changed. I never received anything from AidVantage.
Im early XX/XX/2023, I attempted again to contact AidVantage, but after XXXX hours on hold, I had to wait to try again. My loans have not been changed to the XXXX plan, and my first due date is tomorrow, XXXX XXXX. The payment due is approximately {$550.00}. I attempted to call AidVantage again, and have been on hold XXXX minutes with no answer.
|
| 01/14/2022 |
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 |
|
|
Hey XXXX ; XXXX ; XXXX ; For the last several months I been trying to resolve some issues with late payments with XXXX XXXX XXXX, but I havent received any documents that proves the validity of their claim and they continue to report incomplete, inaccurate, unverifiable information on my credit report. This has been devasting to my ability to get any loan or even credit extended to me. Wasnt XXXX sued by 39 Attorney generals, and cfpb before XXXX unfair handling and predatory issuance of student loans, it amounts to sufficient relief for hundreds of thousands of borrowers across 38 states and Washington D.C. who were allegedly scammed by the company.
XXXX knew that people relied on their loans to make a better life for themselves and for their children and instead of helping them, they ran a multibillion dollar scam, Pennsylvania Attorney General XXXX XXXX said at a XX/XX/XXXX press conference.
|
| 06/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I mailed letters to this company informing them that I was writing to request deletion of certain student loans from my credit report as provided for under federal law, specifically 15USC 1681b ( a ) ( c ). I believe that the inclusion of these student loans on my credit report is in violation of the law, and I kindly request your assistance in rectifying this matter. As you are aware, 15USC 1681b ( a ) ( c ) mandates that consumer reporting agencies, such as yours, must ensure the accuracy and fairness of the information they include in credit reports. According to my understanding of the law, certain student loans should be exempt from reporting after a certain period of time, provided they meet the necessary criteria outlined in the statute. After conducting a thorough review of my credit report, I identified the student loans that I believe should no longer be included and NOTHING WAS DONE
|
| 01/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
When XXXX was handling my loans, I was told I was being put on an income based payment plan in XXXX until XXXX. Speaking with Aidvantage, who is now handling all XXXX clients, they have no documentation that I was ever on an income based loan.
The monthly payments I was told to make by XXXX ( ~ {$370.00} per month ) were not even paying off my interest in full there for making my loan skyrocket over the years.
Looking at my history, my loans started at $ XXXX and I paid of $ XXXX, but now Aidvantage is showing I owe $ XXXX since my monthly payment in which XXXX directed me towards were not paying off any of the principal within my loans.
XXXX misguided me and apparently told me I was paying an income based loan, but Aidvantage is seeing otherwise.
Now because of XXXX 's mismanagement of my loans, I have a loan bigger than I started with even when I paid off half of the original amount.
|
| 10/25/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
Older American |
|
XXXX sold my loans to Aidvantage. I have never received any paperwork from Aidvantage. I called to seek redress because I just discovered by accident that Aidvantage added XXXX to my balance when the loan was transfered. I was hung up on. No explanation of this increase was ever given. It occured during the loan pause during the pandemic, when no interest was allowed to be charged. I have been on IDR for years, and due to low income I have never owed a payment. Also I am retired and receive Social Security. I have applied for the Biden Student Loan Cancellation of XXXX, and was looking forward to to a reduction in my loan balance of XXXX to XXXX. Unless you correct this error, I will still owe XXXX! I make XXXX dollars a month.
I have heard that Aidvantage has inflated and wrongly transferred many loan balances from XXXX accounts. Now I know it's true : it happened to me. Proof is attached.
|
| 11/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Aidvantage is not recording payments being made. I made a payment on XXXX of {$100.00} and the money was processed out of my XXXX bank account on XX/XX/XXXX while the company was still showing processing. I checked Aidvantage today, XX/XX/XXXX and the payment isn't showing as processing or received. The payment has disappeared and is not reflecting on my balance and yet the money is taken out of my bank account. I can not get ahold of a representative with the company to even check on this issue after being on hold for over half an hour., I received a payment confirmation when I first made the payment but I do not trust this company to follow through since the payment has fallen off their records. It is also clear this exact situation has happened to other Aidvantage customers. Interest is added daily on your principle and I believe this company is doing this on purpose to make more money.
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Aidvantage has violated multiple Federal laws set forth by congress : Violations : 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) - Congress CLEARLY states that transactions or experiences between the consumer and the person making the report IS NOT included in the consumer report.
15 U.S. Code 6801 - Protection of nonpublic personal information. Aidvantage has taken it upon themselves to report my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures which is a violation of 15 USC 6801. I have written Aidvantage letter dated 7/12/23 to request ALL of my disclosures that should have been conspicuously disclosed to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, XXXX, XXXXXXXX XXXX ), and exercised my right to opt out of having my information reported pursuant 15 USC 6802B.
|
| 02/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I submitted a complaint regarding Aidvantage to the CFPB on XX/XX/XXXX. The CFPB and Aidvantage did not resolve my complaint.
Aidvantage has been communicating to borrowers, including me, suggesting the urgency of enrolling in autopay. They then scheduled student borrowers to begin automatically making payments in XXXX despite the federal freeze going until XXXX.
I have now received an apology from them saying they failed to send me info about my account in XX/XX/XXXX but they are sending it now. See attached image. The communication clearly is about me being enrolled in autopay but it also mentions the federal freeze.
It is clear now that Aidvantage failed to notify borrowers of their enrollment in autopay because the company knew many borrowers would unenroll if they were away of the federal freeze on payments and XXXX intention to ignore it.
CFPB needs to actually take action.
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
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I have reported to f.b.i and identity theft.gov and u.s embassy of XXXX of someone using false power of attorney with fake signature that's not even mine, stolen irs tax return prove of irs representative, a phone number I used to have before I departure to XXXX, XXXX on XXXX, XXXX, XXXX and returned back to u.s on XXXX, XXXX, also XXXX account is stolen, and Tennessee department of revenue report that my SSN IS UNDER XXXX XXXX, not XXXX XXXX which is me And now there is 3 students loans were taken while I was gone in XXXX, XXXX and the 3 loans were taken as " National Emergency Forbearance '' there are {$3800.00} and {$3000.00} and XXXX I have reported them to transunion and XXXX XXXX XXXX and have called the department of education and informed them as well Done sent documents of prove evidence to XXXX by mail and received it on friday XX/XX/XXXX, and documents were signed for as well
|
| 08/12/2022 |
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 |
|
|
I tried getting my student loans removed from my account, student loans according to title 15 they do not have permission to report my personal info. That's breaking the privacy law {$1000.00} violation FCDPA says a consumer can't owe a debt. If the law is here to protect me how can they ( CRA 'S ) keep violating a consumer???
15usc1681b no permissible purpose I need the documents that were physically signed in wet ink.
It holds no value if it wasn't signed. Technically I never signed with AIDVANTAGE or know who they are. It is considered fraud unless they provide all original documents.
After signing, 180 days following the loan is paid off which is a surety bond.
Electric signature means the debt is not owed. PROOF OF DOCUMENTATION is a wet ink signature. THEY have to provide original letter of indebtness or remove. Proof of promissory note is the verification of owing the debt.
|
| 10/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I filed for a refund for my student loans I paid during the pandemic through Aidvantage on XX/XX/2022. At that time I was told the refund would take 4-6 weeks before I receive MY MONEY via direct deposit. I called in a few weeks ago and the representative told me my refund was approved on XX/XX/2022. When I asked why I hadnt seen my balance update at all he couldnt provide any answers all he basically said is the process is going to take longer than XXXX weeks. Fast forward, I just called in on XX/XX/2022 ( almost XXXX weeks in at this point ) and now am being told it is going to be 6-8 weeks from when it was approved to have the balance update on my account and then ANOTHER 6-8 weeks maybe longer before I actually get my money refunded. This is ridiculous that every time I call in I get a completely different story on what I should be expecting for a time frame to get MY MONEY back.
|
| 10/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
So on XX/XX/XXXX I made a payment for {$290.00} on Aidvantage my username is XXXX. I got a confirmation email and everything for that payment right after I paid. Days after that " payment '' I still made sure I had more than XXXX in my account in case the payment didn't go through straight away. Today I login to my Aidvantage to see the same day XX/XX/, my payment for the loan was reversed. I never requested for a refund or a reversal as that makes no sense. Also, the " payment reversed '' statement was never loaded onto the site in the last couple of days as I logged in each day to see if my payment went through. Today on XX/XX/ is when I finally seen the " payment reversed ''. Sure enough, I searched this problem up on XXXX and I see many people facing the same issue. Now when I'm on Aidvantage my payment is for $ XXXX instead of my usual XXXX thanks to this issue within the site.
|
| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
After pulling my consumer report on XX/XX/, I filed a dispute with Dep of Education Loan Services/ Aidvantage also the three major credit bureaus XXXX XXXX XXXX XXXX and XXXX XXXX I disputed 8 accounts that were furnished onto my consumer report by Aidvantage/ Dep of Education Loan Services that were reporting age was over 7-10 years. Lawfully Aidvantage should have removed these accounts from my consumer report as they were delinquent. On XX/XX/ XXXX sent me their Investigation Results also XXXX dispalyed the results same as XXXX after the Investigation. The Invesigation reults from the disputed accounts were 6 out 8 Aidvantage accounts removal/deletion from my consumer report. Since then, i have had to send dispute letters to Aidvantage for continuingthe furnishing of false and lawfully disputed information. Aidvantage has made it clear that they do not respect my consumer rights.
|
| 06/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
When I attended this school, I was placed on a academic probation due to me failing classes. After I was placed on the probation they allowed me to choose my schedule and also choose my room and move in. I went and checked with the XXXX XXXX and they told me everything was fine and I should be receiving a refund. When it became closer to the time to receive a refund I received a email stating that I have to move out of my dorm and Im being kicked off campus. Further more once a week passed by my schedule dropped on its own and no one could give me an explanation. About a month later a couple of the workers inside of financial aid were fired due to stealing money from the school. So after that I had no one to talk to about the situation which is the reason why my life is in shambles now. Everything I have worked for in college all went to waste due to lack of service from XXXX XXXX.
|
| 12/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I paid my student loans off entirely in XX/XX/XXXXXXXX through XXXX XXXX As part of Biden 's Student Loan Forgiveness Plan, I was reimbursed {$12000.00} from the Department of Education Biden 's initiative was rolled back and Aidvantage began to ask for {$12000.00}, stating interest would start to accrue on XX/XX/XXXXXXXX I paid Aidvantage {$12000.00} on XX/XX/XXXXXXXX and received a payment confirmation. At this point, my student loan balance was set to {$0.00} Unbeknownst to me, the payment was reversed and now Aidvantage is now stating that I owe the {$12000.00} balance with an additional {$140.00} in interest for a total of {$12000.00}. Due to the payment reversal, Aidvantage also is marking that I have two missed payments.
Customer Service did not provide me with a reason for the payment reversal but they did state that they could file a formal complaint on my behalf
|
| 11/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
on XX/XX/, I applied to consolidate my loans and be placed on the SAVE plan. It is now XXXX XXXX XXXX And I have yet to have this process completed. In that time period, over XXXX XXXX XXXX XXXX XXXX in interest has accumulated on my account due to servicer unable to timely process my application for SAVE ; I called Aidvantage multiple times and was told I just need to wait for it to process. I asked to speak to a supervisor and was told that was not an option; was hung up on on one of my calls with Aidvantage.
This is unacceptable. I have provided studentaid.gov and Aidvantage with all the information / paperwork needed to process my consolidation/ SAVE application ; because Aidvantage has been unable to process my form in a timely manner, I have thousands of extra dollars in interest on my loans. This is a financial harm to the borrower and in my opinion is not acceptable.
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
As that darned commercial promised, I did get a hold of my credit report, and let me tell you, I'm beyond fed up with the glaring inaccuracies I found. It's maddening, to say the least, because I'm a responsible, on-the-dot payer, and I'm not about to let these blunders tarnish my reputation. I'm not in the mood for this nonsense, and I expect you to set things straight, pronto! I'm not here to exchange pleasantries ; I need you to roll up your sleeves and fix this mess pronto, just like your commercials lead me to believe you would. My patience is wearing thin, and I won't stand for these inaccuracies any longer. DEPT OF ED/AIDVANTAGE XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
|
| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
U.S. Department of Education has been furnishing personal transactions to consumer agencies since 2011. Money purchase loan one is {$3900.00} and Money purchase loan two is {$3400.00}. Account has been closed and sold to a collection agency who reopened and inserted late payments and started account over again. This is the first action taken.
This is in violation of both the Family Educational Act of 1974 and the Privacy Act of 1974.
45 CFR 1800.9 Disclosure of record to a person other than the individual to whom the record pertains.
The Foundation WILL NOT disclose a record to any individual other than to the individual to whom the record pertains without receiving the PRIOR WRITTEN CONSENT of the individual to whom the record pertains.
These entities knowingly violate their agreements with malice.
This is my notice to opt out as I was never given the opportunity to.
|
| 11/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I applied for the XXXX plan on the DOE website XX/XX/XXXX and was approved. I was given the payment amount of and I was prepared to pay the payment amount for XXXX. Then I got an email from aid vantage saying I owed a payment amount that was hundreds of dollars more, and they separated the payments into a {$320.00} and an {$85.00} a month payment for a total payment of over {$400.00}. According to my XXXX plan I was approved for the payment amount was around {$180.00} a month. I immediately tried to call aid vantage to get this resolved.Ive called now several times. The first call was XX/XX/XXXX. The second call was XX/XX/XXXX. Both times I sat on hold for literally hours, until my cellphone battery died from waiting on hold. I have not received any correspondence from aidvantage acknowledging the payment plan application and I can not reach anyone to resolve the problem.
|
| 10/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have attempted to change my repayment schedule on my federal student loans thru Aidvantage several times. On the Aidvantage website, it says if you would like to exit SAVE repayment type and change to a new repayment schedule ( which is what I would like to do ), then you need to contact Aidvantage directly. I have sent Aidvantage two emails using the email provided prompt on their website stating the change I would like to make. My first email was sent on XX/XX/23 and I received an automatic reply stating that it was received and Id receive a response in two days. I never received a response. I sent a second email outlining the same request on XXXX, received an automatic response that my email was received and still have not seen a response.
My first payment is due tomorrow under XXXX XXXX and I will NOT be paying it as Ive requested to change plans several times now.
|
| 07/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
On XX/XX/2023, I accessed my Aidvantage account to try to understand what my interest rates would be when I start repayment. I went to " Account Summary '' and " Loan Details, '' looked through my various different student loans, and couldn't find any information about what my interest rate would be now that student loan repayments are starting again. I have included a PDF of the loan details for one of my student loans demonstrating that interest rates are displayed as 0 % with no information about where interest rates will stand in XXXX. Aidvantage seems to be hiding this information, claiming instead that the interest rates are 0 %. This makes it extremely difficult to plan repayment in advance. They do show the total to be repaid that clearly incorporates an interest rate, so they should transparently display those interest rates instead of misleading their customers.
|
| 10/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I applied to have my loans consolidated into XXXX payment on a income based repayment program. I received a letter on XX/XX/ stating I had 10 days from the date on the letter to call them with any questions or they automatically consolidate it. The letter is dated XXXX so thats already 5 days even though I just received it. So I called on XX/XX/ as soon as I received the letter as I am confused about certain things and I am not sure if I want to go through with the consolidation. I was on hold for 3 hours with no one ever answering the phone. So I called back today XXXX right at XXXX XXXX eastern time as soon as they open and now I have been on hold for XXXX minutes and counting without speaking to a real human. I am nervous I am not going to get through because no one ever answers and I only have a few more days to speak to someone before they automatically consolidate.
|
| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
The information contained in the payment history of my account with the department of education with account number XXXX is incomplete and inaccurate and needs to be updated to reflect only true and accurate information. I notified XXXX that there are several 90/120 late payments reporting on this account with the months prior to a 90 day late being reported as being on time, it is not possible to say it is 90 days late and also say it was on time the previous months before the 90/120 late payment is reported. Please see attachments for each specific discrepancies that needs to be updated to reflect true and accurate information.
Inaccurate late payments which is evident by the incomplete information thst is being reported on the following months in the following years on my consumer credit report : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
|
| 08/27/2022 |
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 |
|
|
I completely disagree with your response to my complaint about a XXXX day late reporting XX/XX/XXXX on my student loan. You wrote, " According to our records, you filed your most recent bankruptcy action, Chapter XXXX, on XX/XX/XXXX. Your Loan XXXX was requested, applied for, and disbursed after your bankruptcy petition was filed. As a result, this loan was not eligible for the bankruptcy forbearance status. '' I absolutely NEVER requested a student loan after a bankruptcy petition was filed. There would be absolutely NO WAY I requested a student loan during or after bankruptcy petition AND I will absolutely involve my bankruptcy attorney to certify. XXXX absorbed my students loans from XXXX graduate program and I applied for and received a private student loan in XXXX for my second XXXX XXXX. All students loans ever recorded in my name were recorded in XXXX or prior.
|
| 09/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On XX/XX/2023, at XXXX, I contacted Aidvantage via telephone to request a one ( XXXX ) time forbearance for one ( XXXX ) month. The representative was unsure of my request and placed me on hold to consult with another representative. After returning to the call, the representative stated I was unable to do so because it was 30 days before my next due date. I informed the representative I had done this in the past and the information she provided was incorrect. She placed me on hold again to consult with another representative in which she returned to the line and told me I was indeed correct and could so and processed the XXXX time forbearance which generated a new due date of XX/XX/2023 ; however, once I got off the phone and looked back on the Aidvantage system it appears the process was not actually done correctly and the information was not updated in the system.
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Under 15 US CODE 6802, ( A ) a financial institution may not disclose non public information to a non affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or an electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a third party. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This means that by law, I have the right to opt out of having such information reported. I demand that all DEPARTMENT OF EDUCATION/AIDVANTAGE accounts be DELETED AND REMOVED from my Credit Report IMMEDIATELY!!!
|
| 09/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I applied for the SAVE repayment programme before XXXX XXXX. During the month of XXXX, the loan was placed in " administrative forbearance '' at the servicer 's or Dept. of Ed 's instigation- not my own - ostensibly to allow for additional processing time needed. However, entering forbearance deactivated the auto-pay interest rate reduction, increasing the loan 's interest rate by 0.25 % throughout the month of XXXX. Now, according to the servicer 's Web site, I owe hundreds of additional dollars in interest accrued during the month of XXXX than I would have without the unrequested forbearance. I have tried to contact the servicer ( Aidvantage ) via telephone to reach an agent but after 20 minutes on hold, I reach a " full mailbox '' and the call disconnects. It has been this way for weeks now. The chat functionality of the servicer Web site has also been disabled.
|
| 10/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I had put in an application for a revised income base repayment plan based on the new SAVE repayment plan. This was done to reduce my payments. I completed the application on XX/XX/2023 on the Department of Education 's website. The request was sent to my servicer Aidvantage. They had received the application on XX/XX/2023 according to the Department of Education. I had received correspondence from Aidvantage on XX/XX/2023 that they had received the new income driven plan. There was nothing that I had needed to do on my end since I had consented that the Department of Education could request my tax return from the IRS. The timeframe to process the request according to the Department of Education was four weeks. It has been six weeks since I had sent in my application. I have not heard from the servicer. I had tried to contact the servicer and they did not respond.
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
1. Aidvantage is servicing for Dept. of Education in reference to school loans.
2. To my knowledge the Dept. of Education is a federally funded entity and any obligations it issues are backed by full faith and credit and subject to automatic discharge.
3. Aidvantage is continuing to report it as unpaid, and has not issued any cancellation of debt documentation in relation to this account in its relation to the Dept. of Education which is federally funded.
4. Also their reporting of the transaction for this account is in direct conflict with the Family Educational Rights and Privacy Act ( FERPA ) which is a federal law that protects the privacy of student loan records.
5. The FERPA applies to any public or private elementary, secondary, or post secondary school.
6. Any and all security interest granted to Aidvantage is now revoked effective immediately.
|
| 11/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Have have federal student loans and my load servicer is Aidvantage. I graduated college two months ago. I should still be in the six month grace period. However, Aidvantage set my payments to start less than one month after graduation. I called Federal student aid and they informed me that my status with them is in the six month post graduate deferment and that I would need to get in touch with Aidvantage. I have been trying to call them since the beginning of XXXX. I have waited well over an hour on hold multiple times and many times their phone system hung up on me. The one time I was able to get through to a customer service agent after I told them what was going on, they said One of your loans shows in deferment then they either hung up on me or their phone system cut us off. I have also sent emails to their customer service and have not heard anything back.
|
| 11/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On XX/XX/2022, I requested a loan refund for the amount of {$10000.00}. This amount I paid on XX/XX/2022 and is eligible for XXXX XXXX XXXX XXXX ( only XXXX of this Im eligible for ). But I understand this is the only way to gain forgiveness. I have waited now over 12 weeks for a refund. Initially they communicated a 4-6 week wait. Then they changed this to a 6-10 week wait. Now theyre telling me 10-14 week wait. This is absolutely unacceptable. I am eligible for the refund and I demand it immediately. I am currently unable to submit application for the student load relief as my account is still reflecting the amount of {$0.00} loans Paid in full. I can speculate by assuming Aidvantage is holding my refund XXXX and waiting to ensure loan forgiveness is going through at the federal level. This is neither here nor there. I am owed my refund and that is final.
|
| 10/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Older American |
|
Have contracted Aidvantage by telephone each month from XX/XX/ XXXX - XX/XX/ to know when my XXXX Lawsuit Settlement Agreement refund for my Parent plus loan for XXXX XXXX will be processed. Each of their Customer Service representatives have said that the refund is pending, but could not give me a specific timeframe as to when the refund will be processed.
The settlement refund owed is 6 figures and continues to collect interest while in forbearance. Without a specific timeframe, at least 30 days notice, Aidvantage could possibly take as many years/decades as they want to process this refund without any recourse to them.
I would appreciate them being held accountable for a timely/reasonable processing time for these refunds, before I have to notify my Congressional Representative as to their practice in executing the XXXX Lawsuit Settlement Agreement .
|
| 12/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy.
Here are the items I am asking you to verify as accurate : 1.DEPT OF XXXX XXXX Amount : XXXX 2.DEPT OF XXXX XXXX Amount : {$5600.00} 3.DEPT OF XXXX XXXX Amount : {$1600.00} XXXX OF XXXX XXXX Amount : {$2300.00} The above accounts reporting on Transition is reflecting a completely different account number on XXXX and XXXX : XXXX PER the FCRA XXXX this is inaccurate reporting and needs to be removed. Why is XXXX stating a different account number?
After your investigation is complete, please send me the results via mail.
Thank you in advance, Best Regards,
|
| 10/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have been trying to get a refund from Aidvanatage for the last several months. I made the refund application the first day and was told 4-6 weeks, which was for the amount of $ XXXX. We are well past this mark now and I have reached out every week asking about the status of my refund, whether it is approved, and how much time is left till I should see it back on the student aid website. Every time I call I see to get different answers on how to proceed or if I should see it by X date. I feel like no one knows over there and they are just saying things to get me off the phone. I now call every week to see if I get someone competent answers and is able to help me. It shouldn't be this hard to check the status of the refund, seeing the status on my account or a simple email update telling me they actually did it and did it right would help more than they do.
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
|
| 10/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
In XX/XX/2023, I applied for the SAVE Income-Driven Repayment Program on Aidvantage 's website to see if I could save money on my monthly payments. There is no other to determine how much my payment would be without applying. On XX/XX/XXXX, I received an email from Aidvantage informing me that I'd been accepted, enrolled, and that my new monthly payment was nearly double what I had been paying previously, due XX/XX/XXXX. While the literature provided by Aidvantage says that I can un-enroll at any time, there are no instructions given for how to do this. I attempted to call their customer service twice on XX/XX/XXXX ( they were not taking calls on XX/XX/XXXX due to XXXX XXXX ), only to give up after waiting on hold for an hour. Their availability times for calls are extremely inconvenient for my timezone ( XXXX XXXX ), and my emails have gone unanswered.
|
| 05/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am requesting that Aidvantage REMOVE of ALL dispute narratives/comments/remarks from my XXXX, XXXX, and XXXX consumer reports. This is my second request to have these dispute narratives removed. After my first request your company sent me a letter on XX/XX/23 that stated you removed the dispute narratives from the loans with the consumer reporting agencies but this did NOT happen and it is stopping me from obtaining the credit and loans that my family needs.
As the furnisher of this information it is your duty to promptly notify the consumer reporting agency of any updates/corrections necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
FCRA 623a ( 2 ) ( B ) Duty to correct and update information.
|
| 10/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I received notice that Aidvantage received my XXXX application on XX/XX/XXXX and I have yet to hear back anything. I applied via studentaid.gov and self-certified my income. I have emailed Aidvantage to inquire about my status and have not gotten a reply. On XX/XX/XXXX I received a confusing email stating it was too soon to recertify my IDR. I wasnt asking to do that? This better not have been a denial. I make very little money right now and in no scenario do I not qualify for the {$0.00} SAVE payment with no interest.
This is the second time in a row I have had to make a CFPB complaint as the first time the company also neglected to tend to my application. A few days afterwards I was put on an IDR plan and forbearance and told to re-file to apply to SAVE. Here we are again.
I need to know what is going on and need my account looked at. Thank you
|
| 07/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with fraud alerts or security freezes
|
|
Web |
Servicemember |
|
Aidvantage/Department of Education They were suppose to discharge the loan with the Sweet V. Cardona Settlement . I was refunded the amount I paid trying to get it off my report. They told me by XX/XX/XXXX it would be discharged and I would be emailed a letter that nothing was owed. Well it came closer to XX/XX/XXXX and I messaged them and they tried not to address my questions. I finally got a response that they weren't discharging it by XX/XX/XXXX and now it will take 7 months from the time I got the letter that I was approved for discharge which was XXXX of XXXX. So now I am waiting until the end of XX/XX/XXXX. This affected us in XXXX. We got letters in the mail and we called the number to get treated very cruelly by a woman on the phone. She was threatening to put me in prison. I never had a student loan. I would know if I had a student loan.
|
| 08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, DEPT OF ED/AIDVANTAGE has violated my rights. Regarding alleged accounts # XXXX, XXXX, and XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
|
| 02/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My employer was sending payments into initially XXXX - then later Aidvantage took the money- cashed the checks and applied none of the {$44000.00} to my account- the money has gone missing. The loan was serviced by XXXX Even though the checks were made out to XXXX, Aidvantage just signed the checks and cashed them. Stole the money and didnt apply it to my loans.
Company response : " Our review confirms that the payments in question were all refunded to the remitter at the following address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX " However they never refunded the payments. XXXX XXXX XXXX XXXX XXXX received nothing and Aidvantage still has not provided any documentation regarding the refund. The only thing they provided was an unsigned spreadsheet without a letterhead and no contact information.
Reference prior complaint XXXX
|
| 02/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
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In regards to the student loans I was paying for, it was brought to my attention when ask that the school which is associated with my loans I never attend in XXXX. The loan is associated with a career institution by the name of XXXX XXXX XXXX which I never attended. I try to get this matter settled with the loan Servicer Aidvantage and got denied 3 time even with all my proof of documentation and police report I file. I explained to the loan servicer that I attended school in XXXX and was under the impression that the loans was for the school I attended in XXXX by the name of XXXX XXXX XXXX. I provide transcripts of the school I attended alongside signature samples and address of where I was living at the time, to challenge the authentication of the promissory note, and I was still denied. Last date of conversation with loan Servicer was on XXXX
|
| 04/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
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Spoke with Aidvantage on XXXX XX/XX/2023 to request information regarding my discharged loans.
I wanted to know why the loans were still active on my credit report. The loans are showing active balances and XXXX approved me for full loan discharge. On XXXX my loans are showing they stay for 10 years. I wanted aid vantage customer service to assist me in updating the discharge loan information to all credit agencies and I wanted to know when, how and who updated them last if at all. I was spoken to rudely and not given the information requested.
I requested to file a complaint with aid vantage and the customer service representative said she would email me the paperwork to my email ( XXXX ) I have not received it as if this complaint filing. I also wanted to know why my loans were in the credit agencies cuz they never were in default status!
|
| 12/14/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
In XXXX of 2022, I requested a refund of the payments I made voluntarily during the XXXX payment pause. XXXX XXXX issued a refund check in XXXX, but it was unfortunately either lost of stolen by the XXXX. I reported the check as lost or stolen, and XXXX XXXX was able to recover the funds. I have been requesting that a replacement check be issued to be since early XXXX, but have not received one to date. Accordingly to the Department of Treasury, XXXX XXXX has made no request for another check to be issued to me. My student loan balance reflects the amount that was to be refunded to me, so I now owe the money that I have not been refunded. I have contracted XXXX XXXX repeatedly via email and via phone, but have not been able to resolve this matter with them. I am requesting assistance from CFPB in receiving a refund of my student loan payments.
|
| 10/05/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
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I spoke with representative XXXX on XX/XX/2022, and requested a refund for all of my loan payments I made during the pandemic. The representative said he submitted my request and said it would be 4-6 weeks to receive my refund from the Treasury. I spoke with representative XXXX, XXXX, on XX/XX/2022, and was told that my request was not submitted on XX/XX/XXXX. XXXX claims he submitted it and said I should receive my refund in XXXX. However, like on XX/XX/XXXX, I did not receive any written confirmation that my request has been submitted. Thus, I have no way of knowing whether my request was actually submitted and have zero trust that it has actually been submitted based on my experience the first time. I also have to wait at least an additional 4 weeks to receive my refund because of the companys negligence in doing its job as a loan servicer.
|
| 05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act DEPT OF EDXXXXAIDVANTAGE XXXX, has violated several of my rights by reporting this same account 14 separate times with different original balances and 11 late fees for each reporting.
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose.
Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Sincerely, XXXX XXXX XXXX # XXXX
|
| 09/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Aidvantage is my student loan service provider managing my loans. I have two Federal unsubsidized loans : 1 ) graduate unsubsidized loan {$6800.00} 2 ) graduate unsubsidized XXXX XXXX loan {$6600.00}. As of now, I am unemployed and told i'm in the " SAVE '' plan according to studentaid.gov.
Interest should NOT be accruing for both of my loans given my income is {$0.00}, unemployed. My monthly payment according to Aidvantage is {$0.00} per month. However, interest per loan is accumulating every day for loan 1 ) {$1.00} per day loan 2 ) {$1.00} per day.
As of XXXX XXXX I have accrued interest of {$46.00}.
Aidvantage is NOT following studentaid.gov guidelines.
Attachment is proof of quantities charged from Aidvantage towards my name.
Attachment is proof of legislation from Department of Education stating " STOP charging monthly fee ''
|
| 01/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My student loan was transferred to XXXX. This company is showing my student loan as closed across some bureaus and opened across others. The total balance is not accurate across my credit profile either. I've been trying for months to get this corrected it has prevented me from purchasing a home and it also makes me disqualified for other credit ventures I apply for. It is against the law to report false information on peoples person credit. I am requesting that XXXX fully delete this debt from my credit profile for falsing reporting items, inaccurate debt owed and XXXX asking that I be paid for all my pain and suffering for trying to continue to get this resolved. Im seeking monetary settlement in the amount of XXXX. All the times and hours Ive put into getting this corrected has fell on deaf ears. Im exhausted all sources at this point.
|
| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Aidvantage stated that I had not paid my bill which I did for the month of XXXX twice ; one payment cleared my bank on XX/XX/2023 and another on XX/XX/2023 ; they stated my bill was overdue and it was not for month of XX/XX/2023. They then proceeded to change the length of my loan on XX/XX/2023 and updated the terms without my consent shortening the life of my loan by 8 years. The result was a much larger payment that they then lumped in with the payment for XX/XX/2023. I have been trying to call for 2 days to get through and have been sitting on the phone waiting to speak with someone for XXXX hour and 14 minutes this morning, XX/XX/XXXX since my bill is apparently late even though I paid it for XXXX twice already. I will be happy to provide account information as the loan, the page snips and documents have all been downloaded and saved.
|
| 10/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I previously applied for autopay and now loan XXXX is REMOVED from autopay and I had to REAPPLY on XXXX, see original response from Aidvantage that confirmed all loans were in autopay : Per your request, we have reviewed your account and confirmed your initial Auto Pay application from XX/XX/2023 was processed on loan XXXX only, which was in its own billing group, and not on the remaining loans. On XX/XX/2023 you called and spoke with an agent after submitting a second request to be enrolled in Auto Pay. The agent confirmed your Auto Pay was due to be processed prior to your first monthly payment due date on XX/XX/2023. We have confirmed that all your loans were enrolled in Auto Pay on XX/XX/2023. We have updated the 0.25 percent interest rate reduction incentive to be effective XX/XX/2023, the date the original application was processed.
|
| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is XXXX XXXX ( XXXX : XX/XX/XXXX, XXXX Account # : XXXX ). I am requesting that you submit an URGENT/EXPEDITED request to the appropriate parties ( XXXX, Credit reporting agencies, etc. ) asking that the duplicate amount of $ XXXX listed for XXXX be deleted off of my credit report ( this should have been completed when XXXX became my new loan servicer in XX/XX/XXXX ). My total debt owed lists over {$220000.00} because of this error in XXXX reporting of debt ( one line for XXXX, $ XXXX and one line for XXXX, $ XXXX ). Please correct this error as soon as possible on my XXXX and XXXX credit reports, as I am quite frustrated with this situation. I am trying to apply for a car loan ( as my car is currently totalled due to water leaks ) but I am being denied by lenders/financers due to my current ( inaccurate ) amount of total debt owed.
|
| 11/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/2022 I submitted a request over the telephone to get a refund on my payments made during Covid. I was told the total amount I would get and it would take six weeks for a refund.
On XX/XX/2022 I called backend and they said it was still in processing and it would take 10-12 weeks from the request.
On XX/XX/2022 I called back and they said it hasnt been processed and that I need to continue to wait and that it will be another 8 weeks from the the time it was approved. They can not say why it hasnt been process or when it would be processed even though I requested back on XX/XX/XXXX.
Doing research it appears there have been plenty of people to get their refund who have applied on or after XX/XX/XXXX through the same servicer.
This servicer is acting in a deceptive manner. We have given them ample time to resolve this issue.
|
| 01/13/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have student loans through XXXX and have been paying on them up until the forbearance started. I was also enrolled in the public service loan forgiveness program however XXXX changes the status of the loan stopping my enrollment in the public service loan forgiveness program. I tried to fix the situation however was unable to start back in the program. Now I have to reapplying for the public serXXXX loan forgiveness program. XXXX has switched my loans over several times and remains unclear on if I have been excepted back in the program or what else needs to be done for me to get credit for the payments already made and if I they will count when I am back in the public service program I have been working in public services for over 18 years and feel that I have been steered in the wrong direction in the attempts to pay off my loans.
|
| 10/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
|
I was never informed that they are my new service provider and that i had a payment due but had to find out by noticing interest added to my loan on my credit burea. I thought i had XXXX. I have never heard of these people or knew i had a payment due last month and so i tried to sign in and of course i cant access my account and now have been on hold for over an hour trying to reach them. I am livid at this and have not had a late payment of my credit in over 5 years and come to find out i had payment due last month apparently. i have read all the complaints about them online from everyone else and i think i am in for a nightmare. I cant log on to make a payment and can not get them on the phone and i absolutely refuse to accept a late payment on my credit. this is ludicrous for a federal loan to be handled this way. unbelievable
|
| 10/12/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Received a letter from a Student loan consolidation that I thought was connected to the department of education, I called the number listed and was connected to an individual. after an hour and going into my fafsa to post a link I was given a 6 month installment plan of XXXX, i was informed after this 6 months they would write a check to my main Loan servicer to pay off over XXXX of my XXXX student loan. They took down all my personal information and my bank account to take the money out. My dad told me to do some research to make sure it was legit, I sent a email to the department of ED with a copy of this letter and was told they do not affiliate with this company, I believe they are trying to scam me out of money. I called my bank to place a stop on the remainder payments and put the one posted as a fraud to get my money back.
|
| 10/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I enrolled in Aidvantage 's autopay for my student loan on XX/XX/. I received an email the same day saying I had been enrolled.
On my first repayment date, XX/XX/, my account was not debited. I received an email on XX/XX/XXXX again stating my account had been enrolled in autopay.
Today, XX/XX/, I received an email saying I had missed a payment. I checked my autopay status on the website and it showed that I was correctly enrolled. I re-enrolled again, and again received an email saying I had been enrolled.
I then tried to call them about what happened and how that would affect my loan and repayments, and waited on the phone for 4 hours before the call was dropped. I tried to use their online chat system, but that says it is down due to heavy load on the website. I have now been waiting on the phone again for over an hour.
|
| 10/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I am on autopay. I made my student loan payment on XX/XX/XXXX, before it was actually due. Aid advantage charged me a second time for almost XXXX on XX/XX/XXXX. I have paid this way to XXXX ( paying my balance before auto pay was due ), and never was double charged under them. In fact, I've prepaid auto pays with tons of companies, including XXXX XXXX, and never had this issue occur.
I called that day and they said that they would refund the duplicate payment ( but the one I made earlier, so those XXXX can capitalize on the amount of interest they're charging ), and I let them know they had caused 3 other overdrafts because they had basically emptied my account with the second charge. It's weds, it's not refunded, I have three overdraft charges and my meds are supposed to be delivered today and I won't be able to afford them.
|
| 10/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
During the student loan pause my government student loan was sold to Aidvantage. The information on my account is inaccurate it the loans are for a school that I attended in the XXXX XXXX and only went there three months. XXXX XXXX XXXX was closed due to fraud. I attended two schools online XXXX XXXX and then XXXX XXXX I recently found out these schools were involved in deceptive business practices fraud. The balance that I owe is incorrect the loan was for XXXX XXXX I never received any student loan checks at all. The Pell grants you don't have to pay back this balance is outrageous they have that I owe {$41000.00} for two loans together. It is hard to get in touch with this company. I did a repayment plan before pause and it ends XX/XX/. I wanted to apply for the SAVE program to see if my payment could me lower or no payments.
|
| 10/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I was told when I spoke to the company in XXXX when I was told I needed to reapply for my income repayment plan before it expired, but apparently I did not need to do it because of the presidents order, but they sent me a notice that said I needed to do it or I would have to pay the whole monthly payment instead of the income based payment in XXXX when it came due. I did it and it said my new payment was about {$500.00} and it would be due in XXXX, so I called because I should not have to pay until XXXX again because of the new order. I was told my last company took me off this kind of deferment, which I do not know how that is possible since it was a blanket decision. I was told when I called they put back on it and not to worry about paying until XXXX. Now I have an overdue notice that shows I owe {$1000.00}. XXXX is going on.
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Student loan AidVantage account number ending in XXXX I have a singular monthly payment. It is disbursed amongst XXXX loans. When the singular payment was late the loan reporter XXXX reported it as XXXX late payments. This is innaccurte and unfair in practice. It was one late payment to the creditor which then they disburse amongst accounts, this is not my action nor are they terms I have agreed to.
Additionally when I dispute this with the bureaus, they replied with an incoherent, nonsensical, and irrelevant comment on mt report of " Fixed Rate '' then they proceeded to remove the comment in that same reporting cycle. It makes zero sense and is not addressing the issue in dispute. However what it did do is drop my XXXX score by XXXX points. Completely illogical and destructive behavior with no accountability by XXXX as well.
|
| 12/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
On XX/XX/2022 I called FedLoan Servicing to inquire about my refund for {$6600.00}. On XX/XX/2022 I received a {$3000.00} deposit to my account for less than half of this amount and have yet to receive the remaining {$3600.00}. When I called on XX/XX/2022, the agent was more concerned about arguing when I had and had not called into customer service than addressing my issue. I need to know when the remaining balance will be issued as the agent seemed to think the full balance was deposited on XX/XX/2022 when this is not the case. I am missing {$3600.00} and nobody has been able to answer when I can expect these funds. My balance shows up in full although I am missing these funds.
According to the original timeline I was given, these funds should have been deposited by now since the original refund request was on XX/XX/2022.
|
| 10/07/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I called Aidvantage on XX/XX/XXXX and no one answered for about 2 hours. I called back on XX/XX/XXXX, and requested a refund for {$12000.00}. They were able to locate my loans and said they would process the refund request. I asked for an email confirmation but they said they could not provide an email confirmation. They just said that the refund will take 4-6 weeks to complete.
I read a lot of posts saying that their balances changed after 10 business days so, I called back on XX/XX/2022 since I was worried that my refund request was not processed. They said that the refund has been approved by the XXXX and sent to the XXXX.
As of XX/XX/XXXX, XXXX weeks after my request, my XXXX account still has my old balance and is not updated to include the {$12000.00}. I also checked the aidvantage website and it has not changed.
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have submitted 3 disputes through XXXX asking them to require documentation from Aid-vantage other than the breakdown of late payments because during the time they are saying the loans were late they were supposed to be in repayment. I have the applications I made from the studentaid.gov website and the breakdown where it shows that the loans were under repayment and forgiveness. XXXX failed to provide documentation and rules that what Aid-vantage is saying is correct although before my loans were transferred to them I did not have any late payments. When I asked XXXX why they didn't provide documentation they stated that it is not their job to investigate they only take a statement from the company that says what I am disputing is correct. They base their investigation on he said she said instead of factual evidence.
|
| 09/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
XXXX I emailed Aidvantage to request a refund for payments I made XX/XX/20 through XX/XX/20 as allowed under the CARES act.
XXXX After not hearing back, I called to an Aidvantage who processed my request for a refund and was told an update on some form, via email, account alert, or new loan balance, would be seen by XXXX.
XXXX After receiving no notification on status/update I called again and I was told my request had a new target date of updating by XXXX. I received no status update.
XXXXContacted Aidvantage again when no notification/or update had been made through the companys customer support chat. I Was told my request had already been approved and I would now see an update in 2-10 business days from XX/XX/XXXX. This information conflicts all previous information I was given from Aidvantage over the phone.
|
| 10/16/2022 |
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 |
|
|
I have communicated with XXXX, XXXX, and XXXX, many times in recent months via, mail and telephone, to have so errant accounts removed from my credit report. After checking the reports on XX/XX/2022, it came to my notice that the XXXX, Aidvantage STILL has multiple accounts furnished on my reports.
I am sick of this because it has lead to me being denied housing opportunities. My current lease ends in 12 days and I have nowhere to go because I keep getting denied ( PAID ) rental applications due to low credit score.
Today along with this complaint, I am hereby providing you formal notice to cease any further communication regarding this account immediately, pursuant to my rights as per 15 USC 1692c ( c ). This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.
|
| 01/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have several student loans accounts with XXXX all have different ages, and all have different reports of last activity as well as they have different dates of last activity, these accounts report different account numbers across the bureaus.
These student loan accounts can't be made sense of because these accounts report on my credit as open, however when i called XXXX they've told me that these accounts have been sold to another company, and nobody at navient is able to assist me with getting proper information on my accounts.
The company also states that they no longer service student loans, essentially this company is reporting misinformation with no recourse as to how to correct it.
|
| 10/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Hello - I previously attempted to pay off my student loans in full on XXXX. Aidvantage failed to process the payment XXXX separate times, eventually requiring me to transfer my funds to another bank in order to finally complete the transaction on XX/XX/10. During the XXXX timeframe, additional interest accrued on my account which was due to technical issues cause by Aidvantage.
My payment on XX/XX/10 was for the amount I attempted to pay on XXXX ( {$61000.00} ), the remaining balance in my account is the aforementioned accrued interest due to Aidvantage 's technical issue. I would like that amount due erased from my account and my loans being designated as officially paid in full.
Please contact me at the following there are any additional questions : XXXX ( XXXX ) XXXX Thank you in advance for the help, XXXX
|
| 04/26/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I've been trying to erase false information from my credit report for the past 6 years, but XXXX refuses to provide me with legitimate paperwork to prove legitimacy. I have XXXX accounts that have been on hold since XXXX. However, they are reporting these accounts 180 days late for whatever reason. I have all of XXXX XXXX emails from XXXX as well as phone calls to XXXX and XXXX to rectify inaccuracies on my credit report.
I called AidVantage Manager XXXX ID XXXX from the Department of Education today, and AidVantage was quite rude, refusing to allow me talk, and denying that my certified mail had been received, which is false.
I filed dispute again today XX/XX/XXXX with XXXX XXXX from dispute department XXXX XXXX.
Its affecting my ability to receive loan for my business or advanced financially.
Thank you.
|
| 01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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|
For YEARS i have been disputing with the department of Education about the erroneous information they continue to report to Credit Reporting Agencies, and for YEARS this company has refused to fix the problem. In XXXX of 2019, the accounts are reported as being paid on time, however, in XXXX of 2019, the accounts are reported as 90 days late! This same thing happens again at the end of the year. In XXXX the account is reported as paid on time, however in XXXX is reported as 90 Days past due. It is impossible to be on time one month and then 90 days past due the next month. XXXX is knowingly publishing information that is clearly false, solely because the company tells them to. This is being done despite the many efforts to inform not only the Department of Education but also XXXX of these violation of the FCRA
|
| 10/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have tried to make a payment to Aidvantage twice now. Once on XX/XX/2023 for the amount of {$54.00}, I received an email from the company stating that the payment was submitted and my loan balance returned to XXXX after receiving an email stating that the payment was posted on XX/XX/2023. However, the payment was never posted to my bank ( XXXX XXXX ) and a few days later the payment was reversed and my loan balance returned to the original amount.
I attempted to pay again on XX/XX/2023 for the same amount and was met with the exact same problem after receiving the " payment posted '' email on XX/XX/2023 At this point the company is going to place me with a past-due balance even though I have the money to pay them. I've noticed that this had been a problem for multiple people with the same loan servicer.
|
| 02/10/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I was told in XXXX the only option I had to help with payment was too do the student loan forgivness plan. Which has currently came into a lawsuit in XXXX. With the pandemic I was told I wouldnt need to make a payment until further notice or at all. Today I recieved an email saying I would have to make a payment on 2 days time of XXXX dollars. However even though I have tried to make contact with XXXX thru my account online I am told account doesnt exist.
Being out of work for over a year due to pandamic and unable to find work at the cirrent situation unless I want to work fast food, i am unable to make a payment.
I feel like I am being coerced into high XXXX for something out of my control and also I was told until further notice or not at all. I was not given acceptable time to make payment arrangement.
|
| 08/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On the morning of XX/XX/XXXX I received confirmation from my new student loan provider Aidvantage that they received my XXXX application which was filled out the evening before. I was told it would take up to 15 business days to receive a response. It has now been a month and I have received no update except a notice to submit proof of income and to ignore if I stated I do not have income to report. I am newly unemployed, which was stated on my application as having no income.
I have inquired with Aidvantage. Last week I was told my application was received XX/XX/XXXX. This is clearly incorrect and making me nervous. As we are now nearing the end of the 15 business day period of this date as well I would like information as to what has happened to my application and what is delaying this process. Thank you
|
| 11/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
After the U.S. Department of Education announced that student loan payments had resumed due to legislation passed by Congress, I logged into my AidVantage account and paid the remaining {$820.00} left on my student loan account and completely paid off my loan in full on XX/XX/XXXX ( payment confirmation : XXXX ). Despite my loan being completely paid off and my remaining balance being {$0.00}, AidVantage fraudulently charged me {$51.00} on XX/XX/XXXX on a loan that had a remaining balance of {$0.00} ( paid off on XX/XX/XXXX ). Because of this my loan amount or " unpaid principal '' is showing as $ XXXX. Not only did AidVantage fraudulently overcharge, they did not email me notice that this transaction had gone through and they have not taken any steps to inform me that they are returning those funds to me.
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Aidvantage has taken over my student loans. My first payment was due on XXXX. I paid on XXXX. Aidvantage still marked my account as delinquent - both in my online status and in my statement issued on XXXX - while it waited for it to process. I called to let them know that they were violating regulation by not counting my payment on the date it was made and that they cant mark my account delinquent when it was paid on time on the due date.
Aidvantage assured me that the delinquent status and statement would be updated once they fully processed the payment. I woke up this morning to find that Aidvantage has reported my account to the credit bureaus as a late payment. This is unacceptable. If Aidvantage cant properly handle loan payments and credit reporting, why has the government given them this contract?
|
| 07/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My student loan was originally held by NAVIENT which was corrupt and misapplied my payments so that even though I payed {$12000.00} of a {$16000.00} loan, none of the individual loans were ever paid off.
Navient has subsequently been disolved for fraud and my loan sold to another provider. The new provider wants the entire balance. I did not recieve any relief from the Navient lawsuit.
After this I reached out to the Department of Education for debt forgiveness, and they connected me with another group. I made scheduled payments to Dept of Education in the amount of {$2000.00} and was told my student debt was forgiven.
Now I am once again recieving emails from Dept. of Education looking for more money.
I have all details of the aforementioned and would like to find legitimate relief.
Thank You, XXXX
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. This is a dispute that DEPT OF ED/ XXXX also known as Department of Education XXXX Navient is reporting late payments on my personal credit report that are inaccurate, incorrect, and false. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). The reported dates of the late payments are inaccurate. 2 ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I am 100 % total and permanent veteran whose student loans were discharged but company is still refusing to cooperate and TOTALLY REMOVE ALL aspects of negative impact of my student loan I need immediate action and relief to take place concerning this by all credit bureaus they are failing to help me with company still negatively reporting loans even they should not even be listed. showing a charge off does not delete it of my credit report. one thing about college i did lean is DELETE means Delete!. still showing fragments of the debt is still taking action against me and after trying to resolve issue i wonder if there are other structural and institutional efforts at work to continuously suppress and negatively impact my score. enough is enough please have them delete items off my report immediately.
|
| 06/23/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I called AidVantage and spoke with a customer service person there and he put me on hold to research my question for quite a while, came back on and said my loans do NOT qualify for the " One-Time Payment Count Revision for Eligible XXXX Borrowers '' because I consolidated them, which reset the payment count all the way down to only XXXX AFTER DECADES OF MAKING PAYMENTS.
This is not true and I need to be certain my loans are reviewed for inclusion in the current forgiveness situation being applied this fall. He also told me this only pertains to public service loan forgiveness, which is also not true!
AidVantage gave me bad information, if you take the details found here - XXXX XXXX XXXX - into consideration. I just don't want to be automatically overlooked by a XXXX who doesn't really care...
|
| 12/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
|
| 09/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have two loans that have been transferred to Aidvantage. One is due to start repayments in XXXX. It is for {$12000.00} at XXXX XXXX interest for XXXX years. Aidvantage has this calculated as $ XXXX. It should be ~ $ XXXX.
I called on XX/XX/23 and the service representive agreed with my calculations. She said the loan would be redisclosed and corrected.
On XX/XX/23, the monthly bill was still incorrect. I submitted an email through the company 's website.
Today, XX/XX/23, I checked and the bill amount is still incorrect/unchanged. The company is planning to withdraw money from my account on XXXX. I have been on hold today for XXXX minutes with no answer. I tried the chat function and it stated " We are currently having heavy volume. Sorry for the inconvenience. Please try back later. ''
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Item 11 : - Account Name : XXXX - Inquiry Date : XX/XX/XXXX Fraudulent Other Accounts Other accounts : - Account Name : XXXX XXXX XXXX XXXX - Account Date : XX/XX/XXXX -Account type : lease -Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Fraudulent Student loan - Account Name : DEPT OF ED/AIDVANTAGE - Account Date : XX/XX/XXXX -Account type : Student loan -Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX - Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
|
| 01/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
Aidvantage has not provided me with the information for the transfer I requested a year ago. I asked them to send me a list of all payments I made, along with my balance information. They never sent it. I have kept track of what I owed, along with all my payments over the years. My original balance when transfered to them from fedloan was XXXX. I made XXXX worth of payments, which reflect in my accounts. However, they stated there was a payment reversal on those, there were not. Then they added XXXX dollars to my balance as an adjustment for no reason. I do not owe this money. I had paid that much before my balance was transferred to them. I need my balance corrected and would like to be switched to another servicer as this one is fraudulent. I have had nothing but issues since they took over.
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have been making payments on my student loans, and I have disputed all three of my student loans on my credit report, yet the lender AidVantage continues to provide inaccurate information to the three credit bureaus. The correct & accurate balances for all three of my student loans have not been accurately reported to the three credit bureaus at all whatsoever even though I have disputed this inaccurate information on my credit report THREE TIMES already. AidVantage IS NOT REPORTING THE CORRECT UPDATED BALANCES to any of the three credit bureaus to which I have disputed this incorrect information regarding my correct student loan balances which gave not been updated on my credit report. My total student loans balances are not {$4800.00}. Please have this updated & corrected, thanks so much.
|
| 07/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
I tried to apply for the student forgiveness last XXXX, XXXX. I find it very unfair that the student forgiveness program only has a beginning year of XXXX. I should qualify if the program would include ALL time in public service..I worked for XXXX XXXX from XXXX, XXXX XXXX and XXXX XXXX from XXXX . I have accrued XXXX XXXXXXXX years in 2 counties and am vested after XXXX years.
Also, I find it very unfair that the interest on my student loans is excessive!!! I can't help it if I had extenuating circumstances beyond my control as to fall far behind on my payments, such as layoffs, unemployment, COVID and surgeries that through the years has impeded me from continuous payments as to NOT accrue extra interest. I would like to arrange a better outcome with my student loans as to be more fair..
|
| 02/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I made a payment to XXXX XXXX on XX/XX/22. On XX/XX/22 XXXX XXXX transferred my loan to Aidvantage. On XX/XX/22 the XXXX debit cleared my checking account. As of XX/XX/22, the payment is not recorded on my Aidvantage account. I contacted XXXX XXXX and they said that they transferred all funds to Aidvantage and I called Aidvantage and they said that the payment may take 30 more days to credit to my account. It is not my fault that the portfolio was transferred and I find it unconscionable that my payment has not posted after more than 3 weeks of it coming out of my deposit account. And if after 8 weeks Aidvantage can't locate the money, retracing a transaction that occurred 8 weeks prior at another servicer will be very difficult. I want the payment applied to my loan or returned to me ASAP.
|
| 03/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I applied to renew my income driven repayment plan. It was denied. I called advantage on XX/XX/22 to get information to be placed on a more affordable repayment plan. I was told my payment plan would be XXXX $ /month. I agreed to this. I then received a message the next day denying my plan. I called aidvantage on XXXX was supposed to be connected to a representative but was instead sent to a survey to rate my satisfaction with the representative whom I never spoke to and then the call was automatically disconnected by the servicer at the end of the survey after never connecting me to a representative. I called back and was finally connected with a representative. They asked to put me on a hold. My call was then taken to the survey and again disconnected before any resolution was resolved.
|
| 08/23/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Aidvantage received management for my loans from XXXX. They have been instructed by the Department of Education not to contact me and instruct me to resume payment after the national federal forbearance. They called me several times in XXXX requiring me to contact them regarding starting repayment. When I checked my loan status last week it shows that payments are supposed to resume on XX/XX/XXXX. Not only does the go against the Department of Educations instructions it does not meet federal guidelines including receiving a letter at least 21 days prior to resuming payments. Their website has an alert for me stating that my forbearance ends in XXXX days and shows in several places that repayment is required to begin on XX/XX/2022. I have screenshots of these communications in my account.
|
| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
This started when I attempted to see if the recent SAVE act would decrease my monthly payments.
I put in my data into Aidvantage 's website, and they automatically enrolled me in a payment plan that increased my monthly payments by almost XXXX. See screenshots.
I immediately tried to change my payment plan back, but Aidvantage has prevented me from being able to do so.
I emailed them as directed on XX/XX/XXXX, and received a 'no reply ' email that indicated I would receive a response in 2 business days. It is now 15 days later with no response.
You can not call them since no one answers the phone. You can not 'request a call back ' as on their website as all times are blocked out.
They are attempting to lock me into a higher loan payment and this negligence should be criminal.
|
| 11/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
I applied for the XXXX plan on XX/XX/23. Aidvantage emailed me a few days later asking me to call them about exiting my current XXXX plan. I called them a few days later. During that call, they said that they didnt need anything else from me and that my XXXX plan could take a month to process. So, then I waited and waited, nothing happened and it said that I was going to owe when the pause resumed. I finally called again right before it said that my first payment was due. This time they said that something was wrong and that they were fixing it. They put me on a two month forbearance while they said it was processing. This is not good because I need more months for my PSLF. Now, its less than a month until my payment is due again, and still no paperwork or anything has come through.
|
| 09/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have been trying to repay an amount of {$10000.00} to AidVantage but they kept reversing my payment.
The first time was XXXX and they could not find my bank information.
I " updated '' my information and submitted a second payment on XXXX but apparently I used the wrong wire transfer account number on my side.
The Third time XXXX I payed with a different wire account and felt like it would not work so I had to call my bank and have a three way conversation with a customer representative on the other line. AidVantage confirmed they received payment and the bank also agreed the payment of {$10000.00} was processed. I check my bank account and the money was taken almost within seconds.
I recently checked my Aidvantage account and I have an amount of {$4600.00} with interest now.
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Great Lakes ( XXXX XXXX ) transferred all consumers to nelnet ( XXXX ) in XXXXThe last time XXXX reported to XXXX was XXXX, before said transfer. According to experian I owe XXXX in student loans because the XXXX XXXX report are still reporting a balance as well and the new XXXX loans are reporting a balance. I confirmed with XXXX XXXX that my loan balance with them is XXXX yet XXXX has been reporting a balance of XXXX from XXXX XXXX it has been 4 months since the transfer and they have not updated with XXXX. I was unable to get a home equity line of credit because my XXXX score was XXXX XXXX to low. Undoubtly caused by the XXXX XXXX misreporting my student loans. I am positive that I am not the only one whose credit report shows debit to XXXX XXXX they dont actually owe
|
| 05/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Good afternoon, I definitely qualify for the XXXX PSLF loan forgiveness. I completed all the paperwork last summer XX/XX/2022 when Department of Educations revamped the form and qualifications.
My student loans are currently with Aidvantage and when I check the status online, it states processing. I have been waiting for my loans to be transferred to XXXX ( servicer who handles all PSLF applications and loans ) so I can get information and track my payments. I have called multiple times and emailed numerous times as well. I have spoken to customer service representatives at Aidvantage who tells me to call XXXX. I call XXXX and they tell me to call Aidvantage. This has been going on for 7 months. I am told to be patient and I have been but I feel like my account is stuck in limbo.
|
| 09/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I am trying to pay off my student loans with Aidvantage and the payment keeps getting rejected. I am using the correct account number and I have the money in my account so I dont know what else to do. On XX/XX/XXXX I submitted a payment of {$6400.00} and the payment was reversed. I called the second time asking why it was reversed and the lady I spoke to said it was a bank issue. I asked to make the payment over the phone, I gave my card information which was on XX/XX/XXXX, for {$6400.00} and that was reversed. The third time I submitted was XX/XX/XXXX, for $ {$6400.00} and that was reversed as well. On XX/XX/XXXX, I submitted another payment for {$6400.00} and I am waiting to see if that goes through. As you can see the payment keeps going up and I dont know what else to do.
|
| 11/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
When I received my first email to begin paying Aid Advantage I tried to access my account. I dont have any login information from them, so I tried entering my SSN and birth date. The automated system told me this was incorrect. Ive tried many times calling Aid Advantage in an effort to access my account and have things fixed. I have sat on hold many times waiting to take to a representative. I am unable to get through to anyone and they dont give you an email address just a phone number for customer service issues such as this. It is impossible to reach anyone on the phone and I cant login to my account to begin payments. Now I am incurring a ridiculous amount of late fees even though I am unable to access my account due to their system errors with my SSN and birth date.
|
| 11/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/XXXX, I submitted my first student loan payment in full of {$53.00} to Aidvantage. I never got an email saying my payment was denied. I checked my account on XX/XX/XXXX, and noticed it was saying I was late on my {$53.00} and was issued a delinquent warning for my credit. I then decided to submit a new payment of {$100.00}, to cover the late amount and the same amount for XXXX. Today, XX/XX/XXXX I checked my account again, and that payment was also rejected stating, Unable to locate account. I double checked my banking information, and it is all correct, but theyre are reversing the payment. I now have two notices for delinquent warnings when I have made my payment on time and used correct banking information. I am very concerned that this will affect my credit.
|
| 03/10/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I am reaching out in my continued effort for my student loan servicer to be held accountable for its multiple violations of both federal and state law. XXXX and Aidvantage have ignored my multiple requests- which reveal their illegal conduct. XXXX/Aidvantage XXXX XXXX '' to my prior CFPB complaint, completely avoids any recognition of their misconduct. Instead, it applies inaccurate information and glosses over its illegal behavior.
XXXX and Aidvantage purposely withhold information from student borrowers, steer student borrowers unnecessarily into forbearance, violate FOIA, student borrowers bill of rights, and the HEA. The CFPB must hold the student loan servicer accountable - as they refuse to remedy, or take any responsibility for their abuse of student borrowers.
|
| 02/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
In 2017 my loans were transferred from XXXX XXXX to XXXX in hopes to get the Public Service Loan forgiveness. Since 2017, XXXX has not worked with me on payments. Anytime I would call they put me into forbearance. This has hurt the PSLF drastically. Ive been a XXXX XXXX XXXX for 10 years. Im having to file my taxes married and separate to afford my loan payments. This makes my husband and I loose our tax benefits with having a child. Recently my loans have transferred over to XXXX. You can not get in contact with anyone. Hours in the phone. All they will tell you is we are updating counts but if can take up to 9 months. This is ridiculous! Ive been out of college for 10 years and it is showing Ive only made 33 payments. This is why people give up with the PSLF process.
|
| 09/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I made a payment to Aidvantage for roughly {$5000.00} to pay off my loan balance. Upon reviewing my account, I noticed that they charged my bank account twice and have almost {$10000.00} taken out of my account.
I have called several times to get my money back and each time I get a different response from a different call center represenative and different manager. Managers : XXXX XXXX and XXXX XXXX have been extremely disrespectful and unwilling to help in the manner.
I was told the money would be back in the account in a week. Then a different manager said it could take 30 days. Now, I am being told it can take 8-12 weeks by XXXX XXXX . I feel hopeless and taken advantage of.
If you look at reviews of their company, they have done this to several other people.
|
| 09/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I called to ask Aid Vantage to cancel the consolidation of the lowest interest loan I have because I did not want it on the list of loans in my consolidated loan request. In effect, this mistake increased my interest rate from 6.310 % on a {$45000.00} to a 7 % interest rate. They would not undo this loan from the consolidation. They said it was final and I could not change it because the Dept of Education and Congress said it could not be undone. The loan is still in process at XXXX XXXX. I will try to contact them as well, but I have to wait 12 hours for a call back. They called me back this morning and told me to call Aid Vantage. This is a huge error and will cost me a lot in interest going forward.
I did not realize that this was going to be such a huge problem.
|
| 09/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I called Aidvantage on XX/XX/XXXX to switch from an IBR plan to the SAVE plan and was told to expect a response by XX/XX/XXXX. I never heard back from them about my new monthly payment amount, so I called again today, XXXX. The customer service representative said that Aidvantage had never submitted my application. She informed me that since it was after XXXX, I would be charged {$5.00} to switch to SAVE. According to the Department of Education, switching repayment plans should be free ( XXXX XXXX XXXX ). For one, it seems unfair that I was charged for something that was clearly a mistake on the part of my loan servicer. It also seems like a problem that they are not submitting applications. Secondly, why is Aidvantage charging borrowers to switch repayment plans???
|
| 08/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
My loans were transferred to Aidvantage. My loans were with XXXX XXXX and are supposed to be cancelled due to recent action by the President. Additionally, the pause for student loan repayment ( pending outright forgiveness for all loans less than XXXX ) was recently announced. Instead of Aidvantage complying with this, they deceptively encourage borrowers to sign up for automatic payments and and notify you that your pause is almost over effective XXXX XX/XX/2022. When I call them to inquire, they claim to know nothing of the situation and that I may be eligible to apply for public service forgiveness and congratulate me for enrolling in automatic payments. They are trying to milk as much money from borrowers as possible before the government cancels all the debt.
|
| 09/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have been actively trying to communciate with Aidvantage for more than a month at this point through the following : -- the email address listed in the 'contact us ' on the website -- telephone -- the live chat feature on the website So far, I have gotten only XXXX email response ( I sent XXXX very specific emails asking for followup ), have been hung up on, have been on hold for a combined several hours, and am currently waiting for an agent on the chat function ... it's been XXXX minutes and still no agent to chat with.
The hours for all these are also so unhelpful for anyone with regular job hours -- I have to take time off work to try and reach someone, and then can not. Even the chat function shuts down every day well before the published hours are over.
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX accounts reported late for over 2 years dating back to XXXX and XXXX of 2020. These were reported XXXX times each on XXXX loans for a total of XXXX late payments dropping my score more then XXXX points. Grievously effecting my credit report when this information is in fact false. There will be a payment receipt attached this was given to me directly from the lender to have this problem corrected.
Laws Broken : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 11/11/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Throughout XXXX I made calls several times a week to be put on hold for hours or just hung up on after being put on hold. On Monday, XX/XX/2022 I was finally put through to an Aidvantage customer service representative who told me that she had officially submitted my request for a refund of my loan payment of {$10000.00} and was told it would take 4-6 weeks of processing. Seeing no movement or updates on any loan balances for 7 weeks, I called again multiple times throughout the 1st week of XXXX and finally reached someone who did not transfer me on XX/XX/2022. They told me it would take 10-14 weeks. I have not seen my balance be updated and have been given conflicting information, potentially setting me up to pay interest on loans I had already paid off in full.
|
| 09/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Account showed up as disabled in XXXX. Attempted to call office and stayed on hold for 2 hour until offices closed for the day. Emailed requesting access and explaining I had an error 100 code notes on the disabled account. Replies to email were sent to account, which was disabled. Attempted to call again and no response. Called again and after waiting an hour and troubleshooting with representative she was unable to allow me access to the account. She deleted the account and asked I reregister. When reregistering did not work she said her supervisor said she was not supposed to have deleted the account and that I would have to call back. I asked for an extension for payment due date in the meantime while this was being held and they insisted I had to call back.
|
| 06/07/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am trying to understand why is the loan in closed status on my consumer report then says current which is impacting my consumer report in a negative manner. The Dep of ed/advantage has already discharged the debt via 1099c. I am now demanding that Dept Of ed/aidvantage to properly remit 1099c so that I can properly file my taxes. I am demanding that the dep of ed/aidvantage send me a copy of the 1099c b for the debtor documentation because they have already transferred documentation over to the treasury. Also i am demanding that dep of ed /aidvantage contact all 3 consumer reporting agencies and update the status of my consumer report to paid as agreed and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for.
|
| 01/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
In XX/XX/2019 I lost my job. I kept trying each month to redo my IBR and it kept getting denied. None of the representatives would tell me exactly why. After having to defer my loans for about 5 months as I finally found a job, I was told it was because my husband needed to go to the studentloan.gov website and sign in to co-sign. I was told previously that he would receive an email. He did not receive any emails. They never told me he had to go log in and accept. This caused me to go from owing {$99000.00} to $ {$130000.00}. {$40000.00} in interest when they could have told me what the issue was all along. They also didn't tell me that the interest rates were that high! This seems very underhanded and I would like to have the interest expunged from my account.
|
| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me.
I had colleges and universities enroll me without a XXXX XXXX XXXX Based on Lies. The Schools were aware that I was not a high school graduate and all enrolled me, collected disbursements and XXXX XXXX from the Department of Education Repeatedly.
I've Reached Out to Aidvantage and the Department of Education to Rectify this and Nothing has been done about it " For Years ''.
|
| 07/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have been paying down my loan for years and have always been able to direct over payments towards the unsubsidized loan bucket. We are still in forbearance, and yet they notified me on my last payment I am unable to direct the full amount towards the unsubsidized portion of the loan. This is incorrect handling of my payment. The reason I am turning here is that it is concerning to me that they have made this change over a month out of forbearance ending. There have been five payments made this year all directed appropriately to the unsubsidized portion of the loan. This payment would not cause due dates to become out of sync because student loan repayment has not yet begun.
I have attached the document sent to me by the loan servicer which is incorrect.
|
| 10/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I made a payment of amount due on my student loans on XX/XX/2023, in the amount of {$240.00} via my account portal. I received an email confirmation of my payment and a confirmation number.
On XX/XX/2023, I then get an email stating that my account was past due and that I needed to make a payment. I log on to my portal to find that my payment was 'reversed ' and that I was past due. My payment was reversed XX/XX/2023, per portal.
I did not receive any communication regarding this reversal nor a reason for the reversal. There is no record of them attempting to pull funds or return funds with my bank, and I know my routing/account number were correct since I pulled them from a bank slip. I have never been able to reach an agent, either by phone or by chat.
|
| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXXl XXXXXXXX | Spark Business Account # : XXXX XXXX XXXX XXXX In accordance to the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX have not XXXX XXXX with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / AIDVANT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have been trying to receive a refund from Aidvantage, prior to applying to student loan forgiveness. I first contacted Aidvantage on XX/XX/22 about receiving a refund via direct deposit, for loans that I have paid off during the loan freeze. I did not receive any sort of paper trail of the discussion even though I asked for an email confirmation detailing the refund request. I called again XX/XX/22 to ask for an update and an email confirmation of my refund request. I was told it would take 4 weeks to reveive the refund, from when I put in the request, yet I have not receive a refund. My balance has not been updated either. I also never received an email confirmation of this call. There has been zero communication nor updates on behalf of Aidvantage.
|
| 10/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I was forced to pay off some of my student loans while still in school full time, approximately. XXXX. I believe this was an unfair decision made by the federal student department, with no one accepting responsibility and or trying to help me resolve the issue and refund the money back. The servicer of the majority of the student loans was even changed to avoid responsibility, while further pushing the matter " under the rug '' for the sole purpose of avoidance of error. I am a mother of an autistic son and all money that I have is money needed for daily living expenses, and to have a federal agency misuse my funds in this manner is unspeakable. This was an unfair debt collection practice, and " NO XXXX '' has acknowledged this discrepancy to assist.
|
| 11/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
Navient loan taken out in XXXX for son 's school, XXXX XXXX. Loan of {$15000.00} was only in my name, mother of son. It was subsequently paid off. Have never gotten anything saying it was not paid, until Aidvantage took over Navient. Received a letter saying I owed {$14000.00} and a payment was made in XX/XX/XXXX. This is the first letter I have received regarding a loan that was paid off 10 years ago. Plus, no one from my family made a payment in XXXX, XXXX. I am now retired and want to put this to rest. I plan on filing a complaint with the studentaid. gov as well as have my attorney look into this. I have read reviews of this happening and the reviews spoke highly of reporting incidents like this to CFPB first as you have been helpful. Thank you,
|
| 01/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
All of my XXXX counts shows late payments that are inaccurate. Ive tried several times to fix this issue and XXXX refuses to do a thorough research of my account. I am showing late payments on my account after a unemployment forbearance was submitted. XXXX replied back stating that these were prior to forbearance when it fact I completed my documentation and had many phone calls to make sure there were no late payments or defaults. The loans were sent to default and after a lot of calls, emails and complaints XXXX realized it was an error on their behalf and rescinded the defaulted loans and placed back into good standing.This matter needs to be thoroughly investigated and case should not just be closed bc XXXX responded with inaccurate information.
|
| 06/03/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have XXXX XXXX XXXX Loans which were originally serviced by XXXX XXXX but were transferred over to Aidvantage in XX/XX/XXXX. I have been assured by Aidvantage that repayment on my XXXX loans are on pause until XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX debited my checking account for monthly payment amounts per each loan account without my authorization. I have reported this to my credit union as a nonauthorized ACH debit withdrawal and requested that I be reimbursed immediately. Furthermore, I requested that XXXX be blocked from making any further ACH debit withdrawals given that they no longer service my loan accounts since XX/XX/XXXX. XXXX did not provide me with any prior notification that they would initiate ACH debit activity beginning XX/XX/XXXX.
|
| 10/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I was sent a billing statement from Aidvantage my student loan servicer. Statement date was on XX/XX/XXXX. Payment amount is {$840.00}. My account # is XXXX. After I received this bill, I was directed to apply for the SAVE program which could lower this amount. It did lower the amount. It doubled my amount! I can not pay DOUBLE THE AMOUNT OF WHAT WAS FIRST QUOTED TO ME. I can only afford to pay the {$840.00} per month as I am on a fixed income.
I have contact Aidvantage and they told me they can not reverse this back to my original bill? How is this possible? When the Care Act came into play on XXXX of XXXX my payment at this time was {$780.00}. I am currently under a income driven payment plan and my income has not increased since XXXX of XXXX.
|
| 11/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Servicemember |
|
Called on XX/XX/29 to ask for a refund of {$6100.00} in payments made during pandemic pause. Was told 4-6 weeks. Called end of XXXX for an update, no update other that being told is was approved on XXXX and I would likely get the refund in mid to late XXXX. Called end of XXXX and was told refunds were now taking 8-10 weeks. I asked if there was anything I could do to speed up the process and was told no. On XXXX, my aidvantage account updated to show partial reinstatement of the loans, but not the total {$6000.00}. The following week, my student aid account was updated to also show the partial reinstatement. I have not seen any of the refund yet, nor is the current amount shown for the loans accurate. I am now 12 weeks out from my initial request.
|
| 01/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
This company contacted me called the XXXX XXXX XXXX on XX/XX/2022. They said they were working with the government and that I could be eligible for their plan. I signed numerous of documents and one of the documents included the power of attorney document and monthly payments of {$190.00} from XX/XX/2022 to XX/XX/2022 which is a total of {$970.00}. They also stated that after those payments are done, Ill have to pay 5 $ for the next 240 months then when that is done, theyll take away {$26000.00} from my loans. I didnt give them my FSA ID but they somehow got into my FAFSA and gave me a new password. I started realizing this may be a scam the day after which is now when I started doing my research and wasnt seeing any information of this company.
|
| 08/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My student loans are now affiliated with Aidvantage. I have been trying to make payments on my student loans since XX/XX/2023. Every time I submit a payment I get an email saying it has been confirmed. When I check back 2 or 3 days later. The payment has been reversed and has not left my account. I have to keep making the same payments just for them to be reversed. Advantage states that something is wrong with my card. I have deleted the card from my profile and reentered both the account and routing numbers but the problem persists. On XX/XX/XXXX, I called the company itself and did a phone payment, I hope that works as I have run out of options. If this continues to happen, my student loans might not get paid on time and I will be penalized.
|
| 12/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
XX/XX/XXXX I requested student loan payments I made earlier this year be refunded in accordance with HEROES act totaling just over $ XXXX. After XXXX weeks of no action I called Aidvantage on XX/XX/XXXX and was told the request had been waiting on supervisor approval but was not currently planned for approval. I eventually got said approval requesting the refunds with no further delays. I was told to expect to wait XXXX weeks from XX/XX/XXXX for full refunds. I am now XXXX into waiting for my payments to be refunded in-full as requested. {$4500.00} as of last week has started showing with nothings else reported. Please see attached documentation and listing below.
Payments : XXXX {$4000.00} XXXX {$8300.00} XXXX. {$7600.00} XXXX : {$20000.00}
|
| 05/16/2022 |
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 |
|
|
XXXX is the company consolidating all student loans on my CREDIT REPORT. To date XXXX is no longer the company consolidating my student loan debt. I have never owed any payments neither been late on paying as my account has always been in a differed payment status. XXXX reports a late payment on my account which is not accurate whatsoever. In addition, XXXX now claims to have no administration over my student loan accounts. They have transferred my student loan account to another company. XXXX has done so without having provided any proper/legal notices of this transferred/changed account status. XXXX is continuing to report on my credit as the administrator managing my accounts which violates the FCRA rules of truth and accuracy in reporting.
|
| 11/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I am on an income-driven repayment plan for my federal loans. When repayment started, my first monthly statement specified a payment amount of {$96.00}. I paid {$140.00}.
My second monthly statement specified a minimum payment of {$220.00}.
Meanwhile, even after paying the {$140.00} ( which was an overpayment ), my total loan balance went up by {$450.00} from {$130000.00} to {$130000.00}.
I called and spoke to someone in XXXX, and that person indicated that Advantage would send me a letter explaining everything. That letter never arrived.
No one at Aidvantage can tell me : ( 1 ) why my monthly payment is changing, ( 2 ) how my monthly payment is calculated, or ( 3 ) why making my monthly payment still results in my balance increasing.
|
| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX has a student loan listed on my account that was transferred to another lender. The loan that was with Aidvantage was transferred to XXXX. The loan was subsequently forgiven under the Public Student Loan Forgiveness Program. I filed a dispute with a statement that showed a XXXX balance on both loans. They still have the loan as open with Aidvantage. XXXX has it correct. XXXX doesn't have any of my student loans at all. The crazy thing is that XXXX has the loan listed twice with Aidvantage. Once as still being open with a {$25000.00} balance and once with a XXXX balance. I can't understand why they don't see that the account numbers are the same. I want this removed from my credit file immediately. The loan shows a XXXX balance with XXXX.
|
| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Older American |
|
We have four student loans that were transferred from Navient to Aidvantage.
Three are grouped together under one monthly payment and one is a stand alone under a seperate payment. All were paid on time for XX/XX/2023. The three grouped together were paid in full but only one was credited with the entire amount of payment the other two are now over due.The stand alone loan was paid in full on time, pament was credited but now appears that they assed a late penalty. I have tried to get them on the phone but to no avail, been on hohd for fourty five minutes to one hour.they also do not respond to my emails. Navient were great Aidvantage is a nightmare. I don't want to make anymore payments till this gets cleared up.
Thank you very much, XXXX
|
| 01/30/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
When I applied for student loans I was going to school for a art degree in graphic design. It was a struggle getting in contact with my financial aid counselor and information was not clearly explained about how this loan would affect me pursuing a degree that pays a college grad starting out XXXX - XXXX a year. Signing up for federal and private loans is the worst thing I have ever done. Ive been in forbearance for two years and I have no idea how Im ever going to pay my loans back. I pray every day that they are forgiven. Between the cost of living and the amount Im scheduled to pay ( at one point the amount owed was XXXX ) while working it seems impossible. In XXXX of 2019 I had XXXX in unpaid principal and XXXX. Please make it make sense.
|
| 06/06/2022 |
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 |
|
|
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
|
| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am requesting that student loans to be removed from my credit report. I am not responsible for the student loans.The responsible party for the student loans is my daughter XXXX XXXX. The loans are generating from the Department of Education and Navient. I have communicated with the Department of Education regarding the loans and I have noticed the loans are still on my credit report.The Department of Education have reassured me that the student loans would be removed from my credit report several times.I do not owe student loans I am not the responsible party. This situation has impacted my lifestyle, and my credit. Although, the accounts are closed they have hindered my growth with my credit and possibly purchasing a home in the future.
|
| 04/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
I called AidVantage in XX/XX/2022 to get an alternative repayment plan as I was on the income driven plan prior to COVID. Their customer service set me up on a plan with an amount I could afford in that phone call. I have now received notification in which I have been approved fora an Income Driven plan at almost 3 times the monthly amount, which I can not afford! And it states that my repayment begins in XX/XX/2022 and does not refer to the current government deferment until XX/XX/2022. I will not be paying my student loans until I get accurate clarification on this and they honor the plan I set up with them in XX/XX/2022. I am doing my due diligence and I feel they are playing a game. I have emailed them and have not received a response.
|
| 10/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
Hello, I am hoping you might be able to help me out. Back in XXXX of 2023 I got word from my coworker that he received a check of the amount he paid towards his loan for XXXX XXXX XXXX - XXXX, OR. He told me to look into it to see if I would be getting paid as well, because we both went to the same school at the same time. So I started researching and found the article that was from last XXXX stating that students that went to XXXX would be having their loans XXXX. So I contacted Aidvantage and they told me to contact the borrowers defense hotline. So I did that and they told me to contact the loan servicer. So I'm just getting tossed back and forth with information that is not helpful.
{$21000.00} was how much I paid towards the loan.
|
| 01/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I contacted my loan provider ( Aidvantage ) on XX/XX/XXXX about my refund for payments made during the relief period in the amount of {$5300.00}. On this day, the processed my refund request and it has since been approved ( with the {$5300.00} now reflecting on my account balance ). I was supposed to receive a check within XXXX weeks but it's been over that time frame so I contacted the XXXX Treasury office today ( XX/XX/XXXX ) - they told me they have issued a check via direct deposit for {$0.00} and have no record of owing me the {$5300.00}. Can we please see what's going on with my refund and provide me with a new XXXX since the original time frame has already passed?
Let me know what other information is needed from me. Thank you.
|
| 01/18/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Aidvantage is in breach of my constitutional and federally protected consumer rights pursuant CFR Part 1006.18 ( b ) ( 2 ) ( i ) which states " ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. '' Consumer believes the alleged debt is beyond the Missouri legal statute of limitations and unlawful pursuant to the 1787 Constitution for the United States of America article 1 section 10 states " No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; '' Pursuant to CFR 1026.23 Aidvantage has no verified legally binding interest.
|
| 10/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XX/XX/XXXX - Called Aidvantage to request a refund of {$20000.00} since I paid loans off during covid ( post XX/XX/XXXX ) per cares act.
XX/XX/XXXX - Called again to make sure refund request was put in. They said it requested. ( Hearing and seeing people who requested refund but they didn't put in request. ) XX/XX/XXXX - Called again to see where refund request was at and wondering why Aidvantage didn't update refund only when it's been XXXX weeks since request. They said it was approved but was sitting for manager request to send out to Department of Education. They said it'll be up to XXXX weeks before it updated.
XXXX - XXXX week mark, but I didn't call yet. Refund nor payment was reflected on Aidvantage sight or studentaid.gov.
|
| 10/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Sent a certified letter requesting Debt Validation The debt validation letter includes : The amount owed.
The name of the creditor seeking payment.
A statement that the debt is assumed valid by the collector unless you dispute it within 30 days of the first contact.
A statement that if you write to dispute the debt or request more information within 30 days, the debt collector will verify the debt by mail.
A statement that if you request information about the original creditor within 30 days, the collector must provide it.
Received a letter back stating my request was frivolous. I paid this off and do not owe!! Waited long periods on hold trying to speak with them, sent email but did not respond within the timeline they provided.
|
| 09/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
Older American |
|
Aidvantage is my new loan servicer for a parent plus loan. Their IDR plan is {$150.00} a month higher than my previous loan provider XXXX. There's no way I can afford repayment amount. It was a struggle previously ( prior to the gov't paused ). And now with the skyrocketing cost of living and exhaustion of savings I just can't afford the amount they are asking. I see no way of navigating around this to make payments.
I'm am XXXX with a chronic illness and have other household expenses ( i.e. mortgage, car loan, other debts etc ) that prevents me from paying the full amount. My income has decrease since I retired 4 years ago, however, its not reflected in payment amount. I feel like Aidvantage is extorting money from me. Please help!
|
| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Navient allowed for Forebearance periods. You could pay one month 's student loan payment and then opt into 90 day forbearance.
I opted for forbearance back in 2019. The process to enter forbearance was easy, but also extremely antiquated. Navient used to send emails asking if you would like to enter forbearance. I replied yes within the required window. Every other time I had done that, I was entered into Forebearance for 90 days.
Navient states they never received my response to their email. They reported TWELVE separate late payments to my credit report - I do not have other negative accounts like that- but these TWELVE SEPARATE lines are severely impacting my credit score, and will continue to do so for the next few years.
|
| 09/03/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I, XXXX XXXX XXXX, am white and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject Aidvantages promissory note and claim of ownership over my name XXXX XXXX XXXX. I command the Department of Education/Aidvantage with the account number XXXX to remove their debt immediately from my credit profile. I am white and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for the Department of Education/Aidvantages debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that Aidvantage has no standing at law against my superior title and ownership over my name XXXX XXXX XXXX.
|
| 09/26/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I contacted Aidvantage on XX/XX/22 requesting a refund on my student loans. I was informed it will take 4 to 6 weeks to receive the money. However, I contacted Aidvantage again after a week for the status of my request and the agent had to re-submit my application and informed me it will take 8 weeks and not 4 to 6 weeks for my request to be processed. I was told initially my request was submitted ; however, later I was informed it wasn't properly submitted when I called back. This issue could have been prevented if Aidvantage was giving confirmation to show the request has been submitted. Also, why does it take 8 weeks to reinstate my loan balance? It appears other loan providers are reinstating balances in a shorter time period.
|
| 08/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act my rights have been violated. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
|
| 11/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
I live in New York where by now everyone are aware how expensive it is, and only people that are making a lot of money can live here but I cant afford to move anywhere else and I have XXXX which is very serious and Im working really hard and still cant make ends meet. I live in the project, trying to move one day, all Im around is XXXX and cigarettes smell, mold apartment, and lots of roaches. I wish I could get some sort of help with paying off my student loans and credit cards too but Im at a lost because I dont know where to turn and I worried so much Im getting sick. I want to work a lot of hours but it is affecting my health and Im slowing down right now and needs help, please, please, Im literally crying for help. Please!
|
| 04/30/2022 |
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 |
|
|
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT ED/AIDVANTAGE ). The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies from XXXX. Doesn't this go against the FCRA Laws?
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Thank you for your letter dated XXXX XXXX wherein you confirm my outstanding balance as requested.
It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form.
Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before XX/XX/2023, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.
|
| 06/02/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have been harassed by this company when asked to show proof or information of the original creditor the company could not provide correct information. this has been going on since XXXX account # XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX all accounts are not correct. I told the company the debt they are attempting to collect are not mine. They continue to contact threw different mediums and now have a new company ( aidvantage ) to harass me. after i sent a cease and desist. They are also in violation on many laws. 15 usc 1692c, 15 1692g, i can continue below i have provided all the slips sent. during these time if you look at my consumer report they still sent false information which is also a violation of 15 usc 1611.
|
| 03/31/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My student loans have been mishandled from starting with NavientXXXX XXXX to account information being sold to multiple lenders, XXXX data information incorrect on my credit then transfer to XXXX XXXX XXXX which have stated that i don't qualtify as a public service. Over the years I have been getting mislead wasn't given the opportunity to help lower my monthly payments when my students loans was first with Navient and XXXX XXXX. The law suit about them was true which cost me alot of interest builded up. For the last 15 years I have been in income driven payments and have been a public server for over 8 years and never was approved for the program and its not right to get mishandled with U. S department of education lenders.
|
| 11/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I paid off an existing XXXX XXXX XXXX with Aidvantage. However, the payoff balance they provided to my new lender was too high, resulting in an overpayment of {$210.00} When XXXX full month and statement cycle had passed without a refund of the over-payment or any communication at all from Aidvantage confirming the payoff, I contacted Aidvantage via phone to request the refund. The phone agent said it would be processed and a check sent to me in XXXX days. It has now been XXXX more weeks, and I have not received a refund or any other communication from Aidvantage.
I have looked again at my online account via Aidvantages online portal. The overpayment is clearly appearing, but there is no communication about refund timing.
|
| 10/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I am receiving sporadic and inconsistent information from Aidvantage. I have been working for months to receive information about my income based monthly payment requirements. My monthly payment amount has gone up even though my salary has gone down by {$30000.00}. When applying for a FHA housing loan earlier this year, I needed documentation about my monthly payment. Aidvantage reported that my monthly payment would be {$310.00}. A couple of months ago my payment amount was listed as {$540.00}. I reached out to the company regarding the discrepancy and was told I needed to reapply for income based repayment and provide documentation that my income went down. I did that and have heard nothing even though I have reached out.
|
| 12/12/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I requested a refund for payments ( {$10000.00} ) made during XXXX on XX/XX/2022. I was informed that it would take 4-6 weeks for my balance to update and for a refund to be issued. I followed up on XX/XX/2022 and was informed that the request was approved and to continue to wait for the 4-6 week mark. It has nearly been 7 weeks and my balance has not been updated.
I submitted a first CFPB complaint on XX/XX/2022, and received a response indicating that processing times had become 10-14 weeks.
It has now been over 14 weeks and I have seen no movement in the form of balance changes or refunds.
I am requesting expedited or enhanced assistance with this particular request, as it seems it is not being processed adequately.
|
| 07/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I sent multiple letters to Aidvantage to stop reporting 13 accounts in my consumer report. I never give any verbal or written consent to report any of my informations regarding student loan on my consumer report. I kept sending them letter to stop reporting those accounts but they even did not respond by mail as requested and as my only method of communication, instead, they send me a email that the accounts were accurate and no further actions will be taken.
The reporting of these accounts is causing my to miss opportunities to access credit and is causing me XXXX distressed as any lender will mention that I have student loan debt in my consumer report. And making me also miss opportinities to have housing for my family.
|
| 09/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I didnt have much knowledge about student loans and when I signed up at the school they said that I had to pay for my tuition and that it was {$6000.00} and they said that they would help me out and they were like cars salesman where they made it sound so good and I would benefit greatly from getting this loan and I did just that. Well I went through some trauma and had XXXX XXXX as a single parent and homelessness with my XXXX I didnt know that the loan was increasing and now they are trying to make me pay {$22000.00} and I went on social security for XXXX and other XXXX XXXX and I am trying to get help from your company to help me get some of that interest taken away since I was mentally XXXX at the time..please help me
|
| 07/25/2022 |
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 |
|
|
Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays dat XX/XX/2022 XXXX / XXXX has not responded/ replied/ answered to my dispute and therefore must update from my credit file.
DEPT OF ED/AIDVANTAGE XXXX and DEPT OF ED/AIDVANTAGE XXXX Under the Fair Credit Reporting Act, your bureau was to have completed/ finished its reinvestigation of the disputed information within 30 days. I am requesting/ seeking/ demanding your assistance in the verification of the disputed data from my credit report. Kindly send to my address provided above an updated credit report as proof that this/ these have been updated.
|
| 11/28/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Servicemember |
|
Everything is paid off and no debt on Credit file except the last bit of my student loan that I was paying on. My score was in the XXXX. My account was closed out and transferred to AidVantage as they now service all student loans. They never reported the loan or payments which caused me to now have no XXXX XXXX ( due to nothing to score ) I've waited months for them to report and even waited on hold for days to speak to someone. He basically told me they'll get around to it and told me to report it myself ( which there are no means to do so ). They are still refusing to report my account in good standing or my well ahead of time payments. I am unable to finance a vehicle or obtain ANY credit products, I am now a ghost.
|
| 10/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/XXXX, I received an email that I was approved for their IDR plan. However, I never applied for this. It made my monthly payment jump from {$100.00} to {$350.00}.
I called Aidvantage and was on hold for XXXX minutes. When I spoke to the representative, they said I was mistakenly added to the IDR plan and that she fixed it and my payment was now {$100.00}. It was a little worrisome that this happened.
Now today, XX/XX/XXXX, my bank notified me that {$350.00} was pulled out of my account. I login to Aidvantage and see nothing was changed, the payment was considered overdue by XXXX day ( even though autopay came out ).
Today, I'm planning on calling them, disputing with my bank, and looking onto legal options.
|
| 09/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Older American |
|
Requested from AidVantage to be on the XXXX plan on XXXX XXXX XXXX after a phone call with the company, submitting paystubs and other details.
Received information from AidVantage on XXXX XXXX XXXX giving me a " new '' payment plan that was the same as my old plan, with no details as to why.
Tried multiple phone calls to the company on Monday, XXXX XXXX XXXX without getting through to a real person.
-first tried the original person I spoke with, using her extension. Got voice mail.
-then tried three times to get through the main AidVantage phone line to speak to any representative, continually was put on hold, then sent to " voice mailbox XXXX '', which was reported full, and then was cut off from the phone call.
|
| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I contacted FSA about the amount I owe.
I owe student loans {$87000.00}.
My XXXX account says I owe that and another $ XXXX on a separate loan that isn't mine. It's saying I owe over $ XXXX now that this was added to my account. It stated that this loan was open on XXXX, I graduated in XXXX. I've already called and got the amount that I owe, which was the correct amount until I despited the school loans, because my school was shut down and they lied about how many loans I had. I was told in XXXX that my loans were consolidated and they never were. So after the dispute, it went up over XXXX from a loan that isn't mine. I called federal student aid and they told me that isn't mine. I only owe {$87000.00}. That's it!!
|
| 04/07/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I filed XXXX XXXX bankruptcy in XXXX because I was being evicted from my apt . I paid what I could through the XXXX XXXX. In XXXX my bankruptcy was coverted to a XXXX XXXX due to hardship because I had a XXXX XXXX XXXX XXXX XXXXXXXX and declared a hardship. It was discharged six months later XX/XX/XXXX XXXX bankruptcy mostly contains XXXX loans from XXXX. After discharge, my loans remained and my car was repossessed. Now my loans that I expected to be discharged through hardship has been transferred to AidAdvantage. I'm social security XXXX of XXXX per month and I have to pay for my own medical treatment. I can't pay my own rent right now. I'm in over XXXX in student loan debt right now. And my I have no degree.
|
| 12/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
Aidvantage refuses to properly process payments and apply them to loans as appropriate. They send a bill wil the total due. They do not tell you that you need to make individual payments to individual loans in the bill they send you. They then penalize you for not paying a loan that should have put the payment towards. They tell you that you are delinquent. And that it is your fault for not paying the loan. They then tell you to mail the payment with a note saying how much goes to each loan. They then take 8 days after it arrives by certified mail to process the payment. After this they again send you another bill saying youre delinquent and owe more. They refuse to fox the issue and try to force you into autopay.
|
| 10/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have tried several times to be put on the new XXXX plan for my student loans. I have applied on both the federal financial aid website and the aidvantage website as well as sending in check stubs and my latest tax filing. The federal financial aid website told me my payment will be {$0.00} a month but aidvantage says it will be over {$300.00} a month no matter how many times I submit the correct paperwork and the aidvantage website is telling me my payment will be due next month and I can not afford it. I filed for the first time all the way back in XXXX and have not gotten anywhere with them. My application was processed on the federal financial aid website and I was given a payment of {$0.00} a month on there.
|
| 03/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
My loans are now being serviced by AidVantage. I received a letter stating that my IDR payment was rescheduled and my first payment is due in XXXX. This letter shows interest was capitalized. I also received a letter stating that my consolidation loans are on a deferment.
During the COVID forbearance, federal servicers are not to capitalize interest. Why did Aidvantage 1 ) redisclose my IDR? I did not recertify my payment or ask for my payment to be recalculated. Why was my interest capped? Why am I on a school deferment instead of the COVID forb. With the COVID forb, months during this time go toward IDR and PSLF payments. By placing me on a school deferment, AidVantage is cheating me of IDR and PSLF payments.
|
| 11/06/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I requested a master promissory note from the student loan servicer, AIDVANTAGE. I requested this promissory note in order to prove that I owe this alleged debt. I was told that they were just the servicer but, I could go to " XXXX '', to receive it. I then called the department of education and was told that they had it on file and that they would send it out to me. It has now been over a month and I still have not receive the promissory note. I went to XXXX and signed on to see if it was on file but, received a message saying that they didn't have it in their system. I do not own this alleged debt so this is a violation of 15 USC 1681 by not insuring that all information being reported is correct and accurate.
|
| 05/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
MAXIMUS XXXX, XXXX and XXXX XXXX have been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness. I, XXXX XXXX did my due diligence and began an investigation. During my investigation, it has been brought to my attention that I have been swindled by way of deceptive forms and I am now enforcing my right to privacy and Opt-Out. These laws have been violated by these entities.
17 CFR 248.124 Reasonable Opportunity to opt out.
15 USC 6802- Obligations with respect to disclosures of personal information.
|
| 10/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Aidvantage, a subsidiary of XXXX continues to send me bills and payment reminders for federal student loans that were consolidated and now serviced by XXXX. When I try to close the Aidvantage account, change email settings, alter my account information, I cant find any way to do soeven logging into the Aidvantage account, it says {$0.00} balance due because of consolidationbut the emails I keep getting are saying that I should still owe Aidvantage a XXXX XXXX payment monthly and have a big pay now link for me to enter credit card or bank information and submit money. I believe this is a scam to take advantage of borrowers now that the payments have resumed, as I am no longer a customer of XXXX or Aidvantage.
|
| 11/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/XXXX, I signed up to continue my college education. I received several student loans in the amounts of {$7000.00}, {$6200.00}, {$5500.00}, {$4500.00}, {$2600.00}, {$2500.00}, {$2500.00}, {$2100.00}, {$2000.00}, {$1500.00}, totaling {$36000.00}. My original loan servicer was XXXX, and they were initially assigned by the Department of Education. XX/XX/XXXX a transfer of my student loans were made from XXXX to Aidvantage. I am not liable for this debt with DEPT OF ED/ XXXX , and i do not have a contract with Aidvantage , and they have yet to provide me with the original contract that I have with them as requested. ( Thats because one does not exist. ) Correct my credit report and remove these accounts.
|
| 09/04/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I went to XXXX XXXX XXXX when I was XXXX. I wasn't really prepared for college nor did I know what major I really wanted to take. I went through the XXXX XXXX XXXX XXXX and later founds that I was only on that career path out of the hobby and great skill. Not because it was my passion. I dropped from the program during my XXXX class or sometime after. I later heard like maybe 3 to 6 months later that they had been shut down due to fraud with certifications or something. So Later in life still have the loans on me, I sent in papers applying for the loan to be removed to the department of education. I have done this twice and still have yet to hear from anyone. Yet they have consolidated the loan. I need help!
|
| 10/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
15 U.S.C 1681 ( a ) you are in violation of my rights to privacy and information I want to be private that's posted on my consumer reports is a violation of my privacy, Infringed upon my right of privacy. Please investigate that this account because it is not reporting 100 % accurate information there are so many errors within this account and this is a violation of FCRA. This account is unverifiable and inaccurate information, please investigate that this account is reporting 100 accurate due to the fact that this account with the DEPT OF ED/AIDVANTAGE account number XXXX has been listed as a duplicate several times on my report. As a consumer by law these accounts on this claim must be deleted immediately.
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX and Department of ED Aidvantage are reporting double accounts for the same amount. One account from XXXX XXXX for XXXX and the same account being reported by Dep. of ED Aidvantage for XXXX. And this amount twice/ {$81000.00}, and this amount twice/ {$30000.00}.
In Essence, I only have one loan with one servicer, but it is being reported to my credit report that I have two servicers, and two loans. Six loans total, which is inaccurate.
XXXX x XXXX XXXX x XXXX XXXX x XXXX Please have them correct this error as it is negatively affecting my credit score and DTI, thus causing me to not qualify for much needed loans, and a mortgage I am trying to qualify for. Therefore causing me financial harm.
|
| 06/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I reviewed my bank transactions and it appears that on XX/XX/XXXX aidadvantage reactivated my direct deposit automatic payments that have been suspended since XXXX without notifying me ahead of time and have calculated a monthly payment amount that is higher than my past payments. I did not reactivate my payments and have not had my income based repayment amount calculated for several years and recent policy change should have lowered my payment. They have reactivated automatic payment without forewarning and i am losing out on earning intrest because of this withdrawal months before payments are actually due. I called but they were on the automated line only and i could reach a representative to protest.
|
| 05/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
At the beginning of 2017, I filed a complaint with cfpb regarding misinformation from a XXXX agent which resulted in a substantial increase in interest accruing on my student loan balance. I have attached a copy of the initial complaint for reference and the details surrounding my case. I have not received any response from XXXX other than the suggestion to follow up by phone, and unfortunately I am still in a state of " limbo '' as XXXX no longer holds my loan and the cfpb status link from the original e-mail does not work. It's a shame that servicers like XXXX can misinform young adults that are just graduating and consequently those servicers profit by misleading students due to more interest accruing.
|
| 08/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I reached out to Aidvantage to see if I qualified for any loan forgiveness program. Instead they changed my monthly payments to 4x what I was paying and I was never in deference due to Covid. They have now frozen my account so I cant resume my monthly payments. I want to pay 350-400 month. I was paying XXXX monthly for years without missing payments. Theyve changed my payment structure 4x already and every time I call customer service they quote me one monthly amount then change it to something 2-3x more than my original payment plan that they moved me off of without my consent. The promise for loan forgiveness is deceptive in that they try to make you change your payments and use forgiveness as a lure.
|
| 11/27/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I've been using Aidvantage since XX/XX/XXXX to try and pay back my loans. Their internet service has repeatedly accepted my payment, sent me confirmation, and then reversed my payment without cause. I'm afraid this will affect my credit and I am frustrated with the service I have received. I called customer service and was told by the agent that they did not know what the issue is and were unable to fix it. After researching this issue to look for a solution myself, I learned that this is a reoccurring issue that other Aidvantage users are also experiencing and yet there is no apparent solution. At this point, I'm just hoping that my loans get sold to someone else because I am so incredibly frustrated.
|
| 10/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
When loan repayment was slated to start in XXXX of 2023 following the abatement during XXXX, my monthly payment was over 4x higher than what was calculated previously. My income has not changed. I have repeatedly tried to call the servicer to find out more information using the number displayed on their website. I am left on hold for hours at a time. Longest I have waited was 4 hours before giving up. I've tried to reach them through various hours throughout the day, in the morning when they first open, the afternoon, and evening before close. I do not understand why it is so difficult to get a hold of an actual person here. I want to repay my loan but their lack of interaction is making it impossible.
|
| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
i sent out letter regarding the reports on my credit to be remove. and they fail to do You have incorrect information. You are breaking the law.
Privacy Act of 1974 The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies.
Family Educational Rights and Privacy Act ( XXXX ) The Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school.
|
| 08/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Unable to reach AidVantage customer support in response to letter received XX/XX/2023 for details of loan. Loan information and disbursement dates are incorrect, amounts do not match credit report. I am unable to log into Studentaid.gov, error occurs that account does not exist using my SSN and personal information from student loan. AidVantage sent a letter to start auto payments on school loans that are not accurate, to reflect school information, or have full payment history. AidVantage cutomer support line goes to a hold status for wait period up to 45 minutes or more. Company is threatening to debit my bank without my authority, unable to reach them to cancel/change and receive loan information.
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. The following accounts reflect on my XXXX credit report as account status derogatory and payment status wage earner plan, which is not accurate.
DPT EDXXXX ACCOUNT # XXXX DPT ED/XXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT ED/XXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX
|
| 11/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
A couple of issues : when I make a payment, those payments take up to three days to show up as pending on my account. I have made payments and then gone back to look to see if they are there only to not see the payment I made. Twice now I have made an extra payment because of this issue.
Aidvantage will not pick up my calls in a timely manner. I call at exactly XXXX XXXX and I am still on hold for XXXX mins to speak to a rep.
Aidvantage will give me an error saying try this payment later after I hit submit. Well, those payments go through and I end up paying Aidvantage extra money due to their website issues. I am currently XXXX business days into a wait for my refund. This is all unacceptable.
|
| 12/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
XXXX I submitted a new application to change my repayment plan to the SAVE plan.
XXXX Aidvantage said my application was received and there was nothing I had to do because I have consent for them to access my information from the IRS.
XX/XX/XXXX I receive an email and document for a change in loan terms however it was the original plan I was on with no explanation on my SAVE repayment application.
I applied for SAVE again XXXX XXXXhey confirmed application was received XXXX XXXX they send another change in loan terms email that AGAIN is the original repayment plan I was on, not the SAVE plan.
I have called multiple times with crazy hold times and sent an email on XX/XX/XXXX with no response
|
| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Greetings, I have discovered a delinquent payment on all major credit reports. I have attempted multiple times to have this corrected by contacting my student loan servicer. Those attempts were unsuccessful.
I am disputing student loan data that shows " 90 DAYS '' late for XX/XX/2019.
My credit report currently shows the following : - XX/XX/2019 " 90 DAYS '' Current, was past due 90 days - The same credit report shows payments from XXXX, XXXX, XXXX, XXXX, and XXXX as " PAID. '' - How can I receive a " 90 DAY '' late mark when the previous months all say paid?
- Finally, I requested proof of payment history from XXXX, and the data received shows no detailed history to clarify the data above.
|
| 03/26/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Aidvantage has taken over my student loan debt from Navient. To date, I have paid over {$220000.00} and had a remaining balance of {$49000.00} in federal student loans. Since the student loan relief due to covid crisis, loan payments and interest have been paused for these federal loan. I recently checked my balance and see that as of XXXX of this year, Aidvantage adjusted my bill by {$80000.00} bringing my total loan balance to over {$120000.00}. There was no explanation or notification as to why, much less is there any justification. I have contacted the company on their portal and via phone about this faulty information that they have added to my account but to date I have received no reply.
|
| 09/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I was told by an Aidvantage Rep prior to having loans transferred over, that I would be able to : negotiate my loan, have the option to opt out of this program, they would not consolidate my loans, they were not a debt collector. They lied on all these requests. I have sense spoken with many representatives upon receiving more information about them and have had the many excuses as to why or why not, I can get my loans transferred. Each representative says something different and seems to be giving me the run around. This is NOT what I wanted and specifically asked the questions above, to insure I would not be stuck in a situation like this. I do not want to work with this fraudulent company.
|
| 06/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I submitted a request through AidVantage to refund student loan payments made during the COVID pandemic in XXXX of XXXX.
AidVantage let me know that the process could take XXXX weeks to process the refund and receive the money for amounts paid.
I have followed up with the company multiple times. In XX/XX/XXXX I was told this was still in process, well beyond the XXXX week timeframe.
The last communication I had was in XX/XX/XXXX where I was again told this was in process.
I know of many others who submitted a refund request and received their refund. I can understand that it may be beyond 10 weeks, but coming up on nearly a year since my request was first submitted is not reasonable.
|
| 03/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
First, this page keeps reloading and I have typed this out XXXX times.
Then, AIdvantage has charged my account and instantly made the charge overdue. Each loan was charged {$1.00} for both the months of XXXX and XXXX. My account is overdue when it was supposed to be in forbearance with {$0.00} payment due each month.
When I try to contact Aidvantage about the problem, it is impossible. I live overseas and am unable to make international calls as this is expensive and time consuming. When I try to email via the Contact Us function, there is ALWAYS AN ERROR and the message does not get sent. There is no way to contact the company to resolve the issues and prevent them from happening again.
|
| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to 18 U.S Code 8 the term obligation or other security of the United States include all bonds, certificates, of indebtedness, national bank currency , federal Reserve notes, federal Reserve bank notes, gold certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United Stamps.
Ive been trying to resolve this issue for quite some time now. Im mentally stressed out and depressed because of this fraudulent bill thats affecting my credit report and my lifestyle that Im trying to provide for my children.
|
| 11/04/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
On XX/XX/XXXX, I requested a refund through XXXX, I even have an email confirmation. I made payments from XX/XX/XXXX- XX/XX/XXXX. The rep told me it could take anywhere from XXXX weeks to XXXX months. I called back in XXXX and same response. Sometime in XXXX, I found out my loans were transferred to Aidvantage. XXXX said another refund request was submitted. It's now XXXX and Aidvantage still doesn't have any of my account information.
XXXX 's Response : Although your account is not active at this time, it has been transferred to another XXXX servicer. You should have received communications regarding this transfer.
I have not received anything from Aidvantage yet.
Please handle.
|
| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
On or about XX/XX/XXXX, the US Department of Education reported that Between XX/XX/XXXX and XX/XX/XXXX my Student Loan account balance increased by {$5300.00} from {$770.00} to {$6100.00}. This caused my score to drop with XXXX XXXX XXXX, XXXX XXXX points and XXXX XXXX points. The account should report the original balance on XX/XX/XXXX was for {$740.00}. At 3.4 % interest ( currently frozen to 0 % for XXXX XXXX administrative forbearance and no payments to date, the current balance shows {$770.00}. This is not only blatantly false but it has happened before but it has been impossible to track. XXXX, XXXX and XXXX refuse to explain, verify or rectify despite repeated calls and letters.
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act Department of EDXXXX XXXX XXXX, has violated several of my rights.
15 U.S.C 1681 section 602. A. Clearly states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
|
| 10/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/23 l sent an online payment of {$2700.00} to pay off my loan. Later that day they reversed my payment. On XX/XX/23 l attempted to pay my off the balance again. They reversed the payment again and charged me interest of {$5.00}. I called and emailed and they never responded. I again tried to pay my loan of {$2700.00} again it was reversed and charged me {$9.00} in interest. I dont feel l should be charged interest when I paid before it was due. This loan was on payment pause. Today, XX/XX/23 l sent a cashiers check and sent it through certified mail. I dont know why they are not accepting payment and I cant get a hold of anyone. Please help resolve this issue. Thanks XXXX XXXX
|
| 08/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have received communication from Aidvantage that my loan repayment will start again soon after it was on hold during the pandemic. Since receiving that info, I have tried over the last few months to communicate with the company handling the loan with no success.
When I call, I am placed on hold and then hung up on. I have stayed on the phone up to 45 minutes each time I've called. I have placed over 15 calls to this company. They are my only point of contact as the school I attended during the timeframe of this loan, has been closed for many years.
I have done everything I possibly can to try and resolve this. I have also communicated via mail with no response. Please assist me.
|
| 10/31/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/23, I submitted a {$500.00} payment from my bank account to repay my federal loans and fulfill a {$340.00} payment that was due. I received a payment confirmation email with a payment confirmation # of XXXX. On XX/XX/23, I received an email from Aidvantage stating that my account is overdue. When I logged in today immediately after receiving that email ( XX/XX/23 ), I see that there have been no payments applied my to account. I have just submitted another {$500.00} payment on my account, which is now showing as past due. I've received another confirmation email, this time with payment confirmation # XXXX, but I have no idea if this payment will actually go through or not.
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
While reviewing my report I found an incorrect information that is causing me not to be able to find a home loan. I have contacted the party to this situation to no avail, I am asking once again to have the false information removed from my credit report.
Please delete the following accounts from my credit report as the information currently reporting is inaccurate and it is affecting my credit in a derogatory way. Enclosed you will find the necessary documentation to correct the information you have received in error.
Tradeline : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX First Disbursement Date Original Principal Balance XXXX XX/XX/12 {$21000.00} XXXX XX/XX/12 {$28000.00}
|
| 11/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Older American |
|
Advantage is threatening default. Aidvantage was not authorized to change my repayment plan. Advantage is needlessly harassing me. My loans may be over the XXXX year mark and ready for deletion. Aidvantage put me on hold over XXXX hour and did not pick up. Aidvantage needs to put me back on my prior repayment plan and send me detailed information on the date of my loans. Aidvantage needs to be held accountable for unauthorized changes to my student loan repayment plan.
Plus Student Federal Aid flat out refuses to let me log in to my Federal Student Account I have contacted them numerous times and got nowhere.
This is all student abuse and they both need to be held accountable.
|
| 10/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
Servicemember |
|
When I initially took out the loan it was with a different lender. Since the new lender has taken over the account the bill has increased by 40 % + there is no explanation of these fees and I have asked for many times for payment plans and deferments. I was in the US military and was still harassed constantly by the lender while XXXX. They have violated many laws and the patriot act like which I reported to the big XXXX credit agencies at the time and nothing has happened and I continue to get swamped with interest. I have had this debt for more than XXXX years and have tried many times to work with the different lenders, I would like a fresh start so I can get my life together.
|
| 09/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Ive been attempting to pay off my student loans for the last two months. Every time Ive made a payment it will process and say it was accepted. However, a couple days later my account shows a payment reversal.
I've contacted my bank and they confirmed there are no issues with my bank account. I have enough funds to pay off my loans, but Aidvantage refuses to receive my payments. In the meantime, my loans are accruing interests, and the payoff amount keeps increasing. Ive attempted to contact
Aidvantave customer service NUMEROUS times but have never once gotten a person to talk to, even after being on hold for hours. Im just trying to pay off my student debt, but I am unable to.
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
DEPT OF ED/AIDVANTAGE Reported XXXX late payments in XXXX for this Education ( Student Loan ) account but, per the Federal Government ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) there were no student loan payments due in all of XXXX, making these XXXX late payments on my credit report not only inaccurate but impossible. They have declined to correct this error a total of XXXX times now, once through Aidvantage & twice through XXXX disputes.
Incorrect payments reported as XXXX days late XX/XX/2022 & XXXX days late XX/XX/2022. No 30 day report is included which is also INCONSISTENT.
|
| 09/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
My loans were transferred to Aidvantage. I have attempted to change my loan to the SAVE plan several times and have had zero luck. I have submit documents on XXXX several time to change to change plans. It shows completed on the website, however Aidvantage is not processing the paperwork or changing my plans. I have called them over XXXX times, been on hold for over 50 hours, and been sent to a mailbox that is full several times. They have a mailbox that is full and it hangs up on you. They do not return emails. I want to file a complaint against Aidvantage. I am worried they will cause my account to go into default and ruin my credit. I need help changing my plan to SAVE plan.
|
| 09/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
I went to school for a short term, about 3 weeks or so. However, I had to drop out due to life 's circumstances. XXXX XXXX XXXX baby, car repossessed. For years, I have been trying to get forgiveness on this loan. At one point, filled it out from the website and never heard anything back. I have called and inquired about forgiveness, but no-one has followed up. For just {$2000.00} for a few short weeks, I have seen bigger loans forgiven, it is really hurting my credit by always showing I am delinquent. I just hope at some point I can have this updated. I financially have just struggled to get the extra money to pay it back. I have been on deferments, tried for forgiveness, etc.
|
| 10/02/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I've been trying to get in contact with Aidvantage because I shouldn't have to make payments on my loan while I am in school. This was assured to me by the Financial Aid department at XXXX XXXX XXXX. I am currently taking over 6 credit hours of classes and so not only should I not be accruing interest on my loans but also I shouldn't be getting notified to pay them until I've been out of schooling for 6 months. I did not take any summer classes as those aren't fully covered by student loans.
I attempted to call Aidvantage today in order to settle this only to be put on hold by a machine for an hour only to be hung up on, but also when I tried calling back they didn't answer.
|
| 02/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I submitted a competed reaffirmation form XX/XX/XXXX. I was told I would receive confirmation of my filling within 7 business days. I am beginning a Master 's program on XX/XX/XXXX, which is why this form was needed so that my Financial Aid could be released. Here we are, XX/XX/XXXX, after 4 calls and 4 surgery people including a supervisor, I still have not received the form, which means I'll have to push my start date for school back. I have no books and am in no way ready to begin in 6 days due to this hold up. I was promised the form today and still haven't received it after speaking with 2 additional people. I need help with this issue. This is very poor customer service.
|
| 11/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I signed up for Autopay in XXXX XX/XX/23. Payment was due XX/XX/23. Today is XX/XX/23 and i didn't see any activity on my checking account so i checked Aidvantage and it doesn't show any payment processing. Instead it shows a past due amount!
I immediately made a payment XX/XX/23 to not be delinquent.
I just got off the phone with Aidvantage and the service representative said this won't effect my credit score? The representative said it can take 10-14 days for the Autopay to be set up with the bank. I don't want my credit score showing I missed a payment because Aidvantage is slow. We communicate near the speed of light and yet it takes 10-14 days for Autopay to be set up.
|
| 01/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I submitted my refund for student loans in XX/XX/XXXX with Aidvantage. The customer service told me that my loans would be reopened in 30 days and my refund would be in my account in XXXX weeks. I called them back and they confirmed my refund is being processed but it XXXX be another XXXX weeks from today XX/XX/XXXX before I will receive my refund. There is no clear answer to when my loans will be reopened and now the timeline just doubled when I have already been waiting XXXX weeks. All of my refund had been paid in the XXXX XXXX refund timeline. I want a refund electronically exactly how I paid them. I am disappointed in the constant misinformation and prolonging timelines.
|
| 10/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I called the company 10 days prior to my payment due date in order to defer my loan. I did not get an answer after being on hold for an hour. I then proceeded to fill out the deferment process online and submitted all required documents, I never received a confirmation or receipt. The day before the due date I resubmitted said documents and called the company, no answer, I then made the payment on the due date and received a confirmation, however the account has been updated to unpaid and late, I called the company again and never got a live human on the phone after being placed on hold for over an hour. This company is predatory and refuses to answer any calls or inquiries!
|
| 03/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX ( previous loan servicer ) has reported several late payments to my credit report on XXXX. I have requested that Aidvantage ( current servicer ) investigate the late payments and verify the accuracy of these accounts, but they have not completed a fair and complete investigation. The reason that I know this is because both XXXX and XXXX show that I have exceptional payment history ( please see attached XXXX report. XXXX file too large to attach ). I have requested that Aidvantage mail me a copy of my statements from the origination of the loan, until the most recent statement. I have not received these statements, and it has been over a month since the request was made.
|
| 08/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I am attempting to work with AidVantage on my federal student loans, and they are ill prepared for the upcoming start of student loans. Furthermore, they are not prepared wit the appropriate legal documentation to explain how XXXX XXXX XXXX consolidated my loans without my approval. These student loans are ITT related, and the company is refusing to work with me. Furthermore, they are claiming they dont have managers on staff, the call center reps are rude, and put people on hold for extended periods of time. Ive been on hold for over an hour to try to talk to supervisor to get things worked out and its a joke. Its no wonder why people dont want to student loans any futher.
|
| 11/09/2023 |
Yes |
- Student loan
- Private student loan
|
- Issue with income share agreement
- Payment issues
|
|
Web |
|
|
I applied for the XXXX XXXX program on the XXXX website.. Aidvantage did not bother to send results of the XXXX document but still sends or about to send me a bill of over $ XXXX. in this month of XXXX XXXX on a {$93000.00} student loan. The loan was only {$34000.00} while I was in school at XXXX XXXX XXXX about XXXX years ago. I believe the Student loan total amount is incorrect or bogus. Especially after it has been moved from different student loan companies ( XXXX to Aidvantage ) from the Dept. of Education. There is no way i should be paying for that amount of interest. i am filing a complaint because there need to be an investigation on this.
Thank you XXXX XXXX
|
| 10/05/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I filed a borrower defense claim in XXXX with the US Department if Education. In XXXX of XXXX, I was approved for full relief and to be completed within 180 days of that notice. The balance is still showing by the loan service Aidvantage. Aidvantage has told me that the Dept. Of Education hasnt forwarded them documentation stating the relief was approved. The Dep. of education says otherwise. They say theyve forwarded that relief, but cant provide me with a date to narrow it down. Repeat attempts to get information and/or resolve this issue have gone nowhere with both Aidvantage & the US Dept of Education . I need help as it seems no one can help on either side. Thank you!
|
| 11/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I noticed unauthorized payments, specifically the consecutive months of XXXX XXXX, on my subsidized student loan I acquired was advised that I would be granted a financial plan to keep the loan paused during the time frame Ive listed above. 4 years later these payments are showing financial institutions that Im not worthy enough to start business & interact with them, let alone get forms of checking and saving accounts with them. due to FCRA laws protecting my credit profile, Im requesting the payments be validated across all three bureaus. Im also requesting to have the remarks listed on my credit removed & brought back into good standing. Thanks have a great week, XXXX.
|
| 11/14/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
After XXXX minutes on hold I spoke with a company representative on XXXX, a XXXX XXXX. She said I qualified for the XXXX-payment option and updated my account to reflect my acceptance of the offer. I am a senior citizen living on a fixed income below poverty level. In spite of my signing up for this option Aidvantage student loan server is continuing to bill me XXXX a month. Thus, this company is either grossly incompetent or is attempting to fraudulently collect money from me that is not owed. I want Aidvantage to correct this situation immediately. It has already harmed my credit score and caused me extreme emotional harm and anguish. This ABUSIVE behavior needs to stop
|
| 10/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Hello!
This issue is in relation to the handling of my federal student loan refunds. On XX/XX/XXXX, I called Aidvantage to request a refund on all my loan payments since XX/XX/2020.
The total of these six payments was verified with the representative to be {$2700.00} ; and I was told my loan balance will be reinstated and to expect my refund 4-6 weeks later.
Since then, I have made several calls for a status update. Each time, I have received different answers with no clear resolution and different timelines.
There has been no movement on my Aidvantage account balance, no update on my Federal Student Aid portal for this account, and no update on my refund status.
|
| 10/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I am requesting a debt validation be done on these loans, including evidence of my agreement to the original loans, the evidence of a disclosure that Aidvantage says was provided to me when my monthly payments were changed without my consent the first time, and evidence of the disclosure when Aidvantage changed my payment terms again without my consent. If this documentation can not be provided it is clear Aidvantage has violated UDAAP and the TIL, and these loans should be closed and removed from my credit report. I would love to request this information of them directly but they do not answer phone calls nor do they respond to emails, so I am filing another complaint.
|
| 09/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
My student loan account has over XXXX dollars of accrued interest across several loans. This interest accrued while I was enrolled in graduate school, and the student loan pause started while I was still enrolled. There is no reason except for error that this interest should be on my account.
I called aidvantage and was told a message had been sent with my issue and I have heard nothing back. I have since called nearly every day and have not been able to talk to a representative about my issue.
Additionally, I submitted my application for the XXXX payment plan, and have not heard anything about it being accepted nor updates. all required documents were submitted.
|
| 09/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I went to make a payment on my student loan through Aidvantage.
The amount I entered was {$1100.00}. I received an email from Aidvantage that my payment of {$1100.00} received and posted. However, when I checked my account, only {$100.00} was accepted and the {$1000.00} was a payment reversal.
This is confusing to me because the {$100.00} that was accepted was from the same routing number as {$1000.00} that was not accepted.
There was no explanation, nor was I even made aware that the payments had been reversed. I do not believe that this is an acceptable way to run a business, and that their system should be capable of handling simple, student loan repayments.
|
| 10/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have trying to get a hold of customer service for days.. I am on hold for hours every time and when the call finally gets picked up by a rep, my call is thrown directly into their survey automated system and I have to recall the company again.
At one point, I heard the actual agent sleeping/snoring when she answered the call.. I heard her moving around and then must have realized she was on a live line.. so she threw my call into the automated survey option. I have the call recorded.. All I want and need is some guidance on my account while Im going through a consolidation This is my first and only student loan for my child and this has been a nightmare so far..
|
| 03/11/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I was forced to transfer to this lender in XXXX of 2021. It had been XXXX every since. When I call I am either brushed off or lied to. No one knows when my payment for my prior lender made on XX/XX/2021 for {$200.00} will transfer over even though all of my other payments have tranfered over. They also lied and said my XXXX payment was made to the wrong address and was rejected which was a LIE! The payment was applied like 3 days later. Please review all of my calls from XXXX to current to hear all the lies and inaccuracies. It was a PAIN getting documents from them when my loan was transfered over but they want me to pay then XXXX and they provide terrible service.
|
| 10/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
Servicemember |
|
I was a student at XXXX XXXX XXXX and upon graduation found employment at an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the better part and when I applied for another graduate program and doctorate I was denied application because my records could not be confirmed or found.
My records were apparently misplaced during a relocation or campus transplant. At any rate I have loans for the programs I completed but not records on file.
I have made several attempts to contact the school and institutions responsible for the loans but they have all failed to assist me. The program I was in has since expired and the program must be completed again in its entirety.
|
| 06/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act and have violated several of my rights.
15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.
15 U.S.C. section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 09/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I scheduled my second loan to paid off on XX/XX/2023. The loan was {$3500.00}. The payment was reversed but I never received an email or any other notification stating that there was an issue. Had I not logged into my account then I wouldnt have known that it had been reversed. The bank information I entered was correct because it was the same information I used to pay off the other loan on the account on XX/XX/2023. I specifically wanted to take advantage of not paying any interest on my loan, but since they reversed the payment I have to pay interest. I resubmitted my payment in full including the interest because I want to avoid more interest being added on.
|
| 11/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I was notified via email about a student loan that had been assigned to me. To find out more about the details, I registered for an account. However, I discovered that the loan was associated with a school that I have never attended. On XX/XX/2023, I took the initiative to write a letter to the company and also sent a copy to all three credit bureaus, addressing this discrepancy.
It is extremely alarming that despite my never having attended the school mentioned in the loan, the information was deemed " verified '' and considered accurate. How is it possible for a school I never enrolled in to demand payments from me and report the debt on my credit report?
|
| 10/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Older American |
|
Requested XXXX repayment plan. Submitted application was approved. now got notice it was denied. Said I filled out an application for a XXXX loan. I did not. I do not have.that loan type First my XXXX loan forgiveness was denied now this.
I get conflicting information I was told I qualify for the XXXX loan forgiveness then not I was told the XXXX repayment was approved. Now not.
Do not believe nor trust that they k is what theyre doing. Besides confusing explanations even for me with a XXXX XXXX. None of it makes sense nor can be understood I get information when I speak to service agents. Numerous times Then I get denied Perhaps the idea they have in mind
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
XXXX student loan accounts were reported 90 days delinquent in XX/XX/2015.
The delinquencies were reported in error as evidenced by the following : 1. Department of Education student loan accounts remain in good standing while in active deferment status. Deferment continues through a 36-month grace period after the semester ends.
2. The grace period for these accounts began in XX/XX/2015 and remained in place through XX/XX/2015.
As reflected on the credit reports, the accounts were in good standing from XX/XX/2015 through XX/XX/2015.
XXXX records show the accounts in good standing at the time of adverse reporting. No late fees or penalties were billed.
|
| 12/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I went online to aidvantage website to pay my bill. Clicked pay now, it filled the total due including next month. Backed to main page. Clicked pay other amount and paid the past due. I was then charged and it showed properly on the dashboard. After I signed out. I was charged again, for twice the amount. I called aidvantage where they admitted they are aware of the issue and offered me no recourse for the damage caused by their system other than a refund, once they receive the money. I have had to put a dispute in with my bank and now have no access and I'm overdrawn. This is not my fault yet I face all the pain while they collect on a government contract.
|
| 01/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I requested a refund from XXXX for my student loan payments I had made during the pandemic. They processed my refund and said I was eligible for a refund of over {$11000.00}. I called to follow up since I had not received my refund, and XXXX told me that my loans had been transferred to Aidvantage who would be processing my refund. I called Aidvantage who said they have no record of me in their system but the transfer should be complete by XX/XX/XXXX and to keep trying to register for an account on their website. It is now XX/XX/XXXX and I am still unable to register for an account on Aidvantage 's website and they are unable to find a record of my account.
|
| 10/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I can't get a hold of the company because they have limited hours and I sit on hold and then get hung up on.
I scheduled my student loan payment for XXXX XXXX XXXX. I then signed up for auto pay and received an email that my auto pay would start on XXXXXXXX XXXX XXXX and that I need to make sure that I have a payment scheduled for XXXX. I went to the website and saw that I couldn't cancel my original payment, but I thought I was all set because autopaXXXX wasn't starting in XXXX ( according to the email ), but then they went ahead and started the autopay for XX/XX/XXXX!
So I payed XXXX XXXX AND the auto pay started on XXXX XXXX, so they charged me TWICE.
|
| 11/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My loan payments with AidVantage have been kicked back/reversed on multiple occasions and they are marking my payments as " late '' even though I tried to pay them. I have even received payment confirmations from them. I have never received notification that my payments did not go through. The payment reversals were found incidentally by myself.
I have verified that my account/banking information is correct for these payments to process correctly.
Customer service has not been helpful and their chat help boxes are immediately disabled.
I do not want to accrue interest or late fees. And I do not want my credit score affected.
Please advise. Thank you!
|
| 10/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/ I received a credit monitoring alert that two new accounts were reported on my credit report. I logged in to view the information to find two student loans that were opened in my name. one for {$2000.00} and the other for {$1100.00}. ( I have never attended college or a trade school ) I contacted the bank who serviced the loans and they were no help and said to wait 7-10 business days for a letter to come in the mail. I contacted the school XXXX XXXX XXXX, in XXXX WA. They told me the suspect also received federal and state grants in my name. They refused to discuss any details of this with me nor did they even want my information to follow up.
|
| 11/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
My servicer says on their website that I need to contact them to apply for the graduated extended payment plan that I would like to be on. I attempted to call them 3 weeks ago and was on hold for over an hour before I hung up. I emailed them and they sent an automated response that they would contact me back within 2 business days. It has been 2 weeks. I tried to schedule a callback on their website. Every single slot available is grayed out and unclickable. I have never faced a worse possible experience from a website or business and am complaining because I have no other resolution to contact my servicer and apply for the payment plan I would like to.
|
| 02/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
My wife and i both went to university XXXX XXXX with student loans from XXXX. We were defrauded by XXXX and we are not able to pay the outrageous amount of money they want back. We both received our associates degrees and received loans in the amount {$25000.00} each for our degrees. Our payments were about {$800.00} each after we got out of school, which was about 10 years ago. We were told by XXXX we can just put our payments on hold until we could afford the payment. We now owe about {$60000.00} each on those loans. There is a lawsuit toward XXXX that we would like to be part of. We were defrauded on the loan system. Our names are XXXX and XXXX XXXX.
|
| 11/27/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I called Aidvantage to request a refund for payments I made on XX/XX/XXXX as allowed under the CARES act. After not hearing back, I called Aidvantage who processed my request for a refund and was told an update on some form, via email, account alert, or new loan balance, would be seen within two weeks. After receiving no notification on status/update I emailed Aidvantage and I was told my request would take up to eight weeks. I still received no status update on some form, via email, account alert, or new loan balance. It is now XX/XX/XXXX and past due the eight weeks that was confirmed by the agent and the email response from my inquiry.
|
| 11/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Hi there! I initially submitted a refund request in the amount of {$8600.00} on XX/XX/2022 through Aidvantage. I was told that it would take 6-8 weeks to process. It has been over 10 weeks and I have not received any updates from Aidvantage, nor has the amount of the refund been reflected within my total loan balance. I've tried to get in contact with Aidvantage, but the representatives are unable to give me any updates as to what the status of my refund request is. I'm disappointed in not only the significant delay in receiving the refund, but also the lack of transparency in the refund process timeline.
Thanks very much for your time and help, XXXX
|
| 01/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This account is in reference to Account # XXXX which I have filed on XX/XX/XXXX, with the CFPB. I have received Somebody else 's personal information I have called XXXX regarding this matter they told me they weren't familiar with the information I have received. On XX/XX/XXXX I have received a package with a promissory note. I have called XXXX several times regarding my account which starts with XXXX. If XXXX can not verify this account please delete it if this account comes back verifiable please notify me on the information showing on file. I asked the XXXX Department of Education to provide me with information regarding account # XXXX.
thank you.
|
| 11/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
on XX/XX/25 I went to student aid.gov and applied for the SAVE program to see if it would greatly reduce my monthly payments. I did not realize that in doing so this would rectify my income for IDR programs.
I have called Aidvantage and requested they REMOVE this recertification from my account and they refuse to do so, even though I am not due for recertification for 6 Months post the date of my loans becoming due.
The woman I spoke with at AidVantage told me this was not possible. I know she is not correct because I made this mistake once before like 8 years ago and had the application removed or rejected by my loan servicer ( XXXX at the time )
|
| 09/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Aidvantage is not taking my payment for student loan. I tried paying off my entire student loans two times and both times I have received a payment confirmation ( same day ) and a balance of {$0.00} ( about 2-3 days later ), and remains that was for the next 3 days. Yet they made no attempt to take money out of my bank account and the website payment history states a " Payment Reversal '' a week after I made my payment. Then, their website states the payment reversal was done the same day. Spoke to customer service and it was stated that the reason for reversal was unknown. Company refuses to allow payment and my account continues to accrue interest.
|
| 11/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
I have spoken to three different people at Aidvantage. I was told that I qualified for a payment of {$89.00} a month. So when I went to pay it was over {$400.00} that I owed. So I called and then they told me it would be {$120.00} and now it says I owe almost {$280.00}! Please help I can not afford to pay that much and I have made that clear and was told that I would be good to go with the {$89.00} payment and it has been back and forth since XXXX. I don't want to get behind on payments but need them to get it together so I can move on from this. They say do everything online but there website matches nothing that the people on the phone are saying.
|
| 01/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Aidvantage submitted my request XX/XX/22 for the refund of payments I made to my Consolidation loan during the XXXX XXXX XXXX XXXX, totaling {$930.00}. Aidvantage quoted the processing times for refunds to be approximately XXXX weeks. To date, I still have not received my refund. Aidvantage customer service has been lying about the progress of my refund every time I call. They are not practicing business faithfully & have not processed my refund in a timely manner. It has been over XXXX weeks, since the time frame that Aidvantage quoted that I should receive my refund. The time frame was quoted in their response to my last complaint on via the CFPB.
|
| 04/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I applied for loan forbearance back in XXXX when XXXX was still handling my loan. I was approved for forbearance until XX/XX/2022. However, my loan was transferred to Aidvantage recently and has my loan repqyment information wrong. When I look at my loan information on their site it says my loans are due to be repaid this month on the XXXX. That is incorrect and I have the approved forbearance letter that clearly states my loans are in forbearance until XXXX of this year. I will attach the letter in this complaint.
I can not have Aidvantage ruining my credit by reporting I have not made payments on my loan. They need to update their information.
|
| 02/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
While I was attending school I called XXXX on XXXX different occasions to ask if what I was doing was correct and would count towards my loans. I was told YES, deferment AND {$0.00} payments due to hardship would count. While I was in school I deferred because I couldnt afford to make payments. When I called prior to Covid I was told I have around 90 paymentsthat counted, which would have put me at 120 during Covid.
Come to find out none of this was true. Ive lost 7 years of payments I told would count and now I only have XXXX payments in total. I thought Id be finishing and Im literally at the beginning after flat out being lied to SEVERAL times.
|
| 12/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I was notified that I had a student loan in the amount of {$1600.00}. I did not receive a student loan in XXXX of XXXX. A check stub, receipt, evidence of a successful payment going through into my account, there is nothing that shows proof of a transaction between me or any bank to transfer and deposit what was not transferred nor deposited into any account I have or had. If there is proof please show me. I was homeless and working in a motel in XXXX of XXXX. I had not received anymore loans knowing I was graduating in XXXX of XXXX I had no reasoning to take out a last student loan. The information is inaccurate, false and ruining my credit.
|
| 12/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
So first, I saw an additional XXXX in my student account coming out of no where. They first told me they were taking it off my subsidized loans which I did not see being taken off. Then I was told after a XXXX minute conversation, of them trying to convince me that I was getting the benefit from this, which I completely disagreed since it had nothing to do with me or my loans. That I would not see those charges after Tuesday. Then when I look at my account today ( saturday ), I see XXXX being charged in my account. I am so confused, I am not going to be earning enough money to pay off random money that is being sent to my account. Please help.
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S. Code 1681a - Definitions ; rules of construction Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 06/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have been in XXXX getting my XXXX for the past several years. I have never had a late payment because I would call and discuss that I am still a student and get the payment deferred until it was time for me to finish school. I have had the creditor call me to discuss repayment and each time they tell me they can defer the payment. Most recently XX/XX/2022 I noticed there was a late payment added to my credit report from Federal student loans. I am very confused because due to Covid payments were deferred and still are. I am not sure why a late payment was added to my credit report and I have reported it to the credit bureau multiple times.
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Back in XXXX I reach out to your office and I complained about the falsified information on my credit report that was being reported that has caused me countless amounts of pain and suffering due to the XXXX increase in the denials of credit based upon the information being reported concerning my student loans being late I contacted the student loans Representatives have confirmed constantly continuously times that my student loans has never been late however since my complaint I received a response back from XXXX saying that they have fixed the dispute in information was verified as accurate which is totally falsified information once again
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Aidvantage has been reporting inaccurate information in the form of 7 accounts, different amounts and dating back as afar as XXXX of XXXX. There is only payout information on the report starting in the year of XXXX. XXXX has to be an elaborate mechanism as evidence by the lack of accuracy in my report. May this also stand as a formal request of " VALIDATION " of a debt to Advantage, as provided in the Fair Credit reporting Act. I am requesting to see any and all contracts with my signature as well as the ORIGINAL INSTRUMENT OF INDEBTNESS. If these accounts can not be validated, then they must be deleted Done in Good Faith XXXX XXXX XXXX XXXX
|
| 09/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On XX/XX/XXXX, I called to get the amount of months left on my loan. I was told I have approximately 10 years and a few months left on my loan, but that could change if my loan payment fluctuates ( goes up or down ). When I initially signed up for the student loan forgiveness payment plan, I was told that I would have to pay on my loan for 20 years and after the 20 years any remaining balance would be forgiven. I don't understand how my loan period would be extended beyond the 20 year timeframe if my loan payment goes up or down. What does the amount of my payment have to do with extending the time period of my loan and eventual forgiveness.
|
| 12/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX, am submitting this complaint for myself and there is no third party involved. XXXX is reporting adverse information on my consumer report which they are not allowed to do so. They have no permissible purpose to report any information on my consumer report. XXXX stated that they are not a debt collector even though they attempted to collect a debt, and there is also no finance charge in this consumer credit transaction. Therefore, I am not required by law to pay on this alleged obligation. XXXX has also failed to provide all of the Information required by federal law to validate such debt that I had requested on XXXX XXXX, 2021.
|
| 09/20/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I attempted to enroll in Auto-Pay with Aidvantage for my student loans on XX/XX/2023. I am still not enrolled in Auto-Pay, and as a result, I am being charged an interest rate that is 0.25 % higher than the interest rate that I should be charged. This issue has been ongoing for almost XXXX months with no clear response from Aidvantage and no resolution. I have reached out to the company numerous times through numerous channels. I waited at least an hour on hold each time I reached out to customer service. The chat functionality on the website is almost always down and not functioning. Emails take XXXX days to be responded to on average.
|
| 05/19/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On my credit report I see multiple student loan account showing and they all show late payments. This information is wrong because I did not have multiple student loan accounts and I have also NEVER been late on any payments in my life. I have tried to fix this issue with each credit bureau as well as with the loan company multiple time but the issues are still not fixed and are negatively affecting me in my journey to first time home buyer. I have worked really hard over the years and this incorrect information is making my life 's work seem pointless as its stopping me from moving my family into a promising neighborhood in our own home.
|
| 11/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I applied for the XXXX repayment plan 3 times. The first 2 times, I was rejected without any explanation. The third time, I did the process entirely over the phone. I was told by the customer service representative that my payment would be {$0.00}, which does match exactly with my research and calculations.
I received an " IDR Approval '' today, for the incorrect amount ( ~ {$63.00} ). This letter contains no information about which plan I applied for, so it's possible they got the plan itself wrong, not the payment. Either way, this is clearly incorrect and doing this 3 times and still receiving the exact wrong result is unacceptable.
|
| 10/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I received feedback from a XXXX agent stating that my loans may be forgiven back in 2022. After that phone conversation, I never received any status updates ; however, my loans were never forgiven.
I worked in public service as a classroom teacher for 15 years, in high-risk schools throughout my career. My Teacher Loan Forgiveness and Public Service Loan Forgiveness applications have been rejected multiple times. This has happened even though I qualify for forgiveness.
The school, XXXX XXXX, where my student loan debt amassed, has permanently closed ; yet I still carry a hefty student loan debt, ( with no loan forgiveness granted ).
|
| 12/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
I submitted a self certified application for the SAVE repayment plan in late XXXX or early XX/XX/2023.
I submitted an email asking for an update on my application on XX/XX/2023. I received an automated email on XX/XX/XXXX stating that I would receive a response in 2 business days. I finally received a response on XX/XX/2023 stating that my application had not been processed yet and that wait times were up to 60 days, which we are well past for my application.
I tried to contact them by phone several times but gave up after spending hours on hold.
I have been making my payments during this time but can not afford them any longer.
|
| 07/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
On XX/XX/2022 i sent a letter to XXXX in reference of student loans Promissory Note. I requested for a copy of the sign note to validate the debt.. I waited 30 days. I sent the letters out certified mail.
On XXXX XXXX I decided to submit another letter since I have received my request from XXXX. I requested for the same information and as a consumer under the 312 FCRA transaction right to have information I requested. I have received any paperwork from XXXX pertaining to the Promissory Note.
Here I am on XXXX XXXX, I submitted another letter for the same request. As of this day XXXX never responded to my requestor responded at all.
|
| 09/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I tried numerous times from XXXX to XX/XX/2023 to speak to a customer representative so that I can reenroll in the XXXX and to enroll in XXXX. I gave their automatic questioning system my information ; they transfer me to the customer representative department, but I get no answer. After holding the phone for more than an hour, it cuts off. This happened numerous times, I tried to log into my account, an error message says that it can not recognize my email, Therefore, I can not access nor reset my password to enter my account. Customer Representatives do not answer me their student loan client to give me assistance and information.
|
| 02/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I mailed XXXX 2 notices via certified mail about an alleged debt. The first letter was mailed on ( XX/XX/2021 ) & I asked XXXX for the original instrument of indebtness so I can make arrangements for this matter. They did not respond to my first letter so I mailed them another notice via certified mail on ( XX/XX/2021 ) which they did receive but I never received a response to that notice as well ( Certified Tracking Number : XXXX ). Even though they did not respond to my letter they continued update my consumer credit reports by removing missed payment history, and still reporting these accounts to the consumer reporting agencies.
|
| 03/31/2022 |
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 |
|
|
On XX/XX/XXXX, I mailed a certified letter to Navient regarding inaccurate reporting of late payments when my loan was in forbearance. There was no correspondence received from Navient in return. They reported that my account was 90 days late in XX/XX/XXXX after reporting it current in XX/XX/XXXX. It's impossible to be 90 days late in a span of 30 days. I responded to their email requesting a forbearance on XX/XX/XXXX. A request for forbearance covers the span of 3 months prior and 2 in advance. The request for forbearance was approved on XX/XX/XXXX. The information reported is currently inactive and should be updated immediately.
|
| 10/25/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am a XXXX XXXX XXXXXXXX class member and the terms of the settlement are not being followed correctly. I was entitled to a full discharge, I only received a partial discharge. Please see additional PDF. I also am owed a refund of {$1200.00} for money out of pocket to attend classes at XXXX as part of a transfer program while attending XXXX. My classes at XXXX were taken coordinating with a transfer over to XXXX, so they need to be included in this settlement, as well as loans transferred from a company called XXXX that were not mine and are a part of the XXXX XXXX XXXX settlement for loans in 2002. See PDF for full explanation.
|
| 09/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Aidvantage took over my loan servicing from XXXX and has lost all my account information. My loans were taken in XXXX and there's NO record of my 4 years of public service or the past payments I've made - I should be in a forgiveness stature. I re-financed my loans and it looks like a lot of my information was lost there too.
I have tried to reach them because they are asking for too much in my payment, i filled out the income based repayment information and have not heard from them in weeks Now my loan is coming into repayment and I can't even get a hold of anyone over there!
This is criminal they are going to bankrupt me!!!
|
| 01/19/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My XXXX 's loan was paid in full to XXXX as of XX/XX/XXXX. The loan was transferred to Aidvantage Department of Education XXXX XXXX in XX/XX/XXXX with a balance of {$210.00}.
I emailed Aidvantage that there was no balance.
They responded that they did not receive the last payment of {$210.00} Aidvantage withdrew {$100.00} from MY bank account on XXXX XXXX I emailed them that the account was paid in full and now overpaid by {$100.00} They responded that there is a balance of {$110.00} XXXX sent them a copy of MY bank statement showing the withdrawal.
This is my son 's loan that I have been paying from my bank account for years.
|
| 12/16/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the XXXX credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?
|
| 04/17/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was repeatedly put on administrative forbeance in order to have my loan interest accumulate. And my online account stated completely different information. It's fraudulent and unethical. My original loan amount was {$27000.00}. I allegedly owe {$41000.00} according to my loan amount. There is a class action settlement for the loans that we're affected during the time that my loan was with Navient. This reporting of fraudulent activity is against the law and is negatively affecting my debt to income ratio because of the unlawful actions taken on my loan. My loan is also reflecting a {$16000.00} Pell Grant that I never received.
|
| 08/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Hello, I tried to send payments to Aidvantage but most were rejected. The XXXX XXXX payment was accepted but the {$37000.00}, {$62000.00}, and the {$74000.00} payments were rejected. All payments were made from the same account. There is sufficient money for all withdrawals and there is no maximum withdrawal from XXXX. Aidvantage claims that the rejected payments were due to them coming from a non-active account but how could it be non-active if they were able to accept the {$7000.00} payment from the same account. Its clear that Aidvantage is illegally attempting to delay payments in order to gain interest on my student loans.
|
| 08/27/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
I filed XXXX XXXX XXXX in 2014, included XXXX XXXX student loans ( Notice to Creditors Certification attached ). I requested an Adversary Proceeding due to student loans causing undue hardship. XXXX XXXX was properly notified, means test was performed and Federal Trustee and Judge approved student loans to be discharged ( Final Trustee Report attached. ) I have been trying to get XXXX XXXX, XXXX and now Aidvantage to recognize a FEDERAL COURT ORDER and discharge these loans and remove all negative history from credit reports. I have never been able to buy a home for my family and have suffered tremendously from their inaction.
|
| 12/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have tried 4 separate times to pay my loan in a timely matter ahead of the due date and Aidvantage is not able to accept it. They have reversed my payment 4 times despite confirming my bank info. I have even signed up for auto pay and the company has failed to successfully withdraw the funds needed for the payment. My account is currently in the red and I'm receiving emails from the federal government stating I'm missing payments when I am not. It is 100 % an issue on their end that they are not able to correct. Aidvantage has a terribly inept customer service team and has not been able to rectify this matter for 2 months.
|
| 10/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Today, XX/XX/XXXX, I called AidAdvantage and requested to know my payment count. I had already consolidated my federal loans a long time ago. I am on the XXXX XXXX XXXX. I have been in repayment since XXXX. I believe that I qualify for forgiveness and that I should at least be given a payment count. Aid Advantage is not able to provide any information on my status, and the agent gave conflicting information. In the meantime, I am being asked to resume paying, with interest accruing, while many of my colleagues who have been in a similar situation ( payment for more than 20 years ) have already received notice of forgiveness.
|
| 12/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
As if XX/XX/XXXX my loan balance was : {$24000.00}, with no capitalized interest.
My first monthly payment of {$7100.00}, on XX/XX/XXXX was allocated by Aidvantage as follows : {$6000.00}. -- allocated to principal {$150.00}. -- allocated to interest This amount seems inexplicably high.
I can not understand how a loan of $ XXXX would accrue that much interest@ 7.3 %, in one month or even two months.
This appears incorrect to me, so I emailed Aidvantage to ask them to explain. I have received only an automated reply.
If I'm wrong in my calculations I accept that, but I'd appreciate your help.
Many thanks, XXXX XXXX
|
| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I applied for the SAVE repayment plan in XXXX. It is still not reflecting on my account. I have been told numerous times that it would be fixed or escalated. Nothing has happened. I call and get no response at times. Aidvantage keeps telling me to place my loans on forbearance but that does not fix the problem. I will still accumulate interest and my balance will grow. Aidvantage will make millions more due to processing these applications incorrectly. I was told by one supervisor that it was an error on their side. I was told they are not willing to reimburse me for their error. I am paying over 4x what I should be paying.
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XXXX, I contacted Aidvantage-Department of Education to inform them that my loan had been transferred in XX/XX/2023, but they are still reporting an unpaid balance for three of my loans which is negatively impacting my credit score and reporting. On XXXX, I received a notice that Aidvantage- Department of Education is reporting the information as accurate and has failed to make the correction.
Below, I have attached the letter indicating that my loan was transferred to XXXX. Currently, both Aidvantage and XXXX are reporting open loans with balances which has doubled my student loan balance and it not true and accurate.
|
| 02/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I asked for a refund for payments made during the payment pause in XXXX. I called XXXX and AidVantage. AidVantage said I had to go through XXXX. I was quoted 4-6 weeks for a refund. XXXX automated recording acknowledged my request until XX/XX/XXXX. I spoke to XXXX who said all information has been transferred to AidVantage. I called AidVantage and started the process over requesting a refund on XX/XX/22. They entered my request and said it could take 8-10 weeks. I called at the end of 10 weeks and was told 12 weeks. I called again at the end of 12 weeks and was told it could be an additional 10 weeks. This is unacceptable!
|
| 11/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There are XXXX student loan collections reporting to XXXX in error which is dropping my credit scores XXXX points and it is inhibiting me from getting a home loan.
There are also XXXX student loan collections reporting to XXXX in error.
XXXX XXXX has deleted all of the student loan collections.
XXXX hasnt deleted any of them.
XXXX has deleted all but XXXX of them.
They should have all been removed from all three credit bureaus because of me completing the govt rehab program in XX/XX/2022. I was told they would be removed within 30 to 45 days however, it is now 60 days later and there as collections still reporting.
|
| 06/19/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
XXXX was being sued about predatory practices on my student loan, and they snuck it away to Aidvantage to avoid it being discharged DESPITE THE FACT MY LOAN WAS TO BE DISCHARGED DUE TO THE SETTLEMENT. I need this loan officially discharged and my credit report fixed because I just lost 100 points and am starting to get calls for Aidvantage likely demanding payment.
I was scammed out of my money and am not paying for ANYTHING pertaining to this student loan, XXXX is guilty and by extention of this my loans are null and void, and any attempt to transfer this loan to another servicer needs to be viewed as contempt of court.
|
| 11/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have on XXXX separate occasions tried to apply for XXXX ( XXXX ) plan with servicing utilizing Studentaid.gov as well as directly with the servicer Under the instruction that it would lower my payment to XXXX. I have filled out the proper forms on studentaid.gov as well as through the servicer directly. When I last spoke with the servicer they stated that the amount I would need to pay was going to be XXXX significantly lower than the latest correspondence I received ( XXXX ). I plan to call again XXXX morning in hopes to rectify this issue but as this is the third time doing this I would like this to be investigated.
|
| 10/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have tried on Numerous Occasions to Contact the new XXXXXXXX XXXX Co that took over my account from Prior Handler XXXX. Now Called " aidVantage ''. I can not get ahold of Anyone since my 1st call when I was on the phone for 2hrs and the customer Service rep informed me she could not help me until the last name was put in the system Properly ( My Last Name was spelled incorrectly. Spelling is XXXX they have it under XXXX. The Rep could not fix it while I was on hold waiting back and forth over 8 different times. While on hold again the call was Disconnected. Unfortunately, I have not been able to reach anyone to help.
|
| 10/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
XX/XX/2023 Borrower Defense Application # : XXXX Borrower Defense Application School : XXXX XXXX Approval of Your Borrower Defense Case Under Exhibit C of the Sweet v. Cardona Settlement I received approval for my Borrower Defense Application 8 months ago. I have spoken with Aidvantage at least XXXX times since then to determine when they would be following through on clearing my debt and refunding any remaining money. Two months ago I was told it would be XXXX calendar days. I am now being charged interest for a loan that should be on hold based on Sweet vs. Cordona. I cant even get through by phone, chat or email now.
|
| 04/07/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I attended a college in XXXX from XXXX - XXXX. My federal loans were managed by XXXX XXXX XXXX I had several forebearances while living in XXXX XXXX ( XXXX ). I switched to an IDR plan after reading a XXXX article and watching some XXXX videos ( about the XXXX heir who became a government secretary education [ XXXX? ] ) in the period between XXXX.
Before I switched to an income-driven repayment plan approximately {$20000.00} of interest was added to my principal loan balance.
I want to have my loan amounts adjusted downward. As an XXXX my credit score is particularly precious. I have lived in XXXX since XXXX.
XXXX
|
| 03/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
aidvantage, I have been calling in order to understand what has happened to my student loans. all three times I call the operator was rude, and put me on indefinite hold.
I m very upset. I m trying here. I would like some clarity on what is happening to my loans, when they will be due and maintain a healthy relationship with this burden.
I can not believe how unprofessional Aidvantage operators are. It is already hard enough to make payments, now I have to deal with children like behavior from the operators. This is not a game, this is my life. I m trying to put an end to this 20 year debt burden I have.
XXXX XXXX
|
| 02/23/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
What happened?
I was steered into a prolonged period of general forbearance by my loan servicer ( XXXX ) from XX/XX/XXXX through XX/XX/XXXX. I had a baby in XXXX and my husband stayed home not working during this time. I was not on nor was I told about any income driven repayment plan. The result is that I lost over 36 months of eligibility toward Public Service Loan Forgiveness during this time because of this bad advice. I should be eligible for loan forgiveness now, since I have been repaying my loans since XX/XX/XXXX, but I may not have enough payments because of this bad advice to stay in a prolonged forbearance.
|
| 02/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had XXXX accounts from XXXX through XXXX student loan service. I have experienced financial hardship and had to consolidate my loans in XXXX. At that time my loans were serviced through Fed XXXX service. XXXX listed the XXXX accounts as paid in full and the accounts as being closed, however they are still reporting on my credit report to date which is currently affecting my XXXX XXXX and showing negatively on my report when it the accounts are supposed to be closed. Ive reach out to XXXX and they have no knowledge of my account. I have filed a dispute with XXXX XXXX, and all credit bureaus and it continues to report
|
| 03/11/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
In XXXX or XXXX, I applied for my loans to be deferred being that I was with hild and I was about to stop working. They denied my deferment. I had no way of paying my student loans being that I stopped working. I went to apply for XXXX for XXXX and found out my loan was in default. When I spoke with XXXX, they told me they approved my deferment and it went into default in XXXX. I was never informed of any approval or default. I asked them why did they never reach out. I never received a phone call, an email, or even a letter. They didn't even have my information in the system. They told me it was their job to do that.
|
| 01/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received notices from XXXX school loans that I had 3 outstanding loans and they wanted payment in XXXX ', I had not graduated high school nor ever applied for a student loan. I have contacted XXXX by registered mail 3 times.
This is on my credit reports.
I just received my XXXX in XX/XX/XXXX again I have never needed a student loan. I am hoping you can review because this is a case of identity theft. i have asked XXXX for any signature pages and have never received any response of any kind My information is : XXXX XXXX XXXX dob:XXXX ss # XXXX i am hoping with the current situation with XXXX this can be cleared up
|
| 10/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I repaid my loans sometime in XXXX and have since had a negative account balance for my subsidized and unsubsidized loans. I have tried contacting my servicer ( aidvantage ) many times since then. When I could not get in contact with anyone I tried contcing the numbers listed on the Federal Student loan website, anybody i got into contact with told me I had to speak to my servicer. I submitted a complaint on said webite on XX/XX/30 and have not gotten any information since the,. i do have a case number but no representative or any new imformation. On my studentaid.gov account it says I still owe {$1.00} on each loan.
|
| 09/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Requested loan refund as now qualify for forgiveness program but need my account to reflect new balance ( not physical money in bank ) and was assured that online account and statements would reflect accurate amount by XX/XX/2023 ( called twice to confirm this date and that the request was already approved ) and when that did not happen I called again and was told vague information about where in the process the refund was and that there is no way to now know how/when the online account can be updated but was told that it seemed to be approved. I now owe this money but there is no way to prove it and thus manage it.
|
| 09/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
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On XX/XX/XXXX I made my regular student loan payment to Advantage. Because interest is starting to accrue, I reached out to request that all my payments be towards the principle balance and not the interest. They state on their website that they will respond after two business days. After no response I sent another email stating the same issue and that I didn't get a response. Today I still haven't heard a response. Today when I looked at my advantage account, it said there was a payment reversal. I've never requested a payment reversal. They don't have anything on the site explaining how a payment reversal happens.
|
| 11/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I applied for the save program on XX/XX/ 2023.
The federal aid portal said that my servicer does not receive electronic applications and that I had to print and mail my application to them. I did and did not receive any information.
On XX/XX/XXXX I called nd asked about the status of my application, they said that they received my application o n XX/XX/XXXX but that it will take at least 60 days to process the application but that have no way of telling me how long my application will take or where it is in the process. Meanwhile the loans are accruing interest. And they say that can't give me and information.
|
| 11/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
|
Through the CARES act, I requested a refund of student loan payments made during the Covid-19 pandemic. I made my original request in XXXX of 2022. My servicer was XXXX and was transferred to Aidvantage. I have called several times to get status updates and have received contrasting information each time. My last contact with aidvantage Informed me that my request was not yet moving forward because of a lack of information from XXXX and was told that it would take several months ( from XX/XX/XXXX ) to receive a refund. I have no way of knowing if my request is actually happening and when I might receive the funds.
|
| 10/25/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Requested student loan payment refund for the payments I made between XX/XX/XXXX to XX/XX/XXXX. Request first made over the phone on XX/XX/XXXX, but Aidvantage didn't actually submit my request until I called on XX/XX/XXXX. At the time I was given an estimated eta of up to 6 weeks until I will receive the refund. As of XX/XX/XXXX, Aidvantage has yet to even update my loan balance on their site, let along forwarding my balance to FSA.gov. I was further notified that the processing time is now up to 12 weeks. The loan was transferred from XXXX and all payments were made while the loans were still serviced by XXXX.
|
| 09/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I consolidated my student loans with XXXX and DEPT OF ED/AIDVANTAGE on or about XX/XX/XXXX. I was in forbearance at that time and had been in forbearance every year since XXXX. I was also a full-time student pursuing my XXXX XXXX. However, both XXXX and DEPT OF ED/AIDVANTAGE have been reporting my student loans as " LATE PAYMENTS ''. They refused to report my account accurately to the credit bureaus, specifically, XXXX, XXXX, and XXXX. My account has NEVER been late or in any derogatory status since I was both in-school and forbearance. Please remove these inaccuracies from all three ( 3 ) credit bureau reports.
|
| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Contacted Aidvantage customer service XX/XX/2023 @ XXXX XXXX and requested the automated service to speak with a customer service representative. After being on hold for 59 minutes, I spoke to customer service agent XXXX XXXX to make my request. He did not have the answer to my question and performed a quick search and informed me the Department of Education website does not allow principal only payments with extra payment with existing unpaid interest. After again making the request, he placed me on hold to consult with the team lead XXXX XXXX and again informed me that I can not make a principal only payment.
|
| 10/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
I submitted a form to have my loans consolidated XX/XX/XXXX to aid advantage. I contacted XXXX XX/XX/XXXX and I was told it was not processed and could not be processed. I was given no clear answer but was told I would have to start the process over. I was told by the customer service rep that she can see the application but again I would have to start the process over. I have currently XXXX payments and I have applied for public service loan forgiveness. The customer service rep at XXXX also told me there was nothing that she could do and for me to submit the consolidation application again to studentaid.gov.
|
| 08/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have an complaint against my loan servicer Aidvantage where they miscalculated my debts.I checked my Aidvantage account where my balance was $ XXXXwith two loans are {$30000.00} and {$17000.00}. XX/XX/XXXX my debt increased to {$52000.00} with two {$32000.00} and {$20.00}, XXXX. The interest rate been 0 % since XX/XX/XXXX.
How did my balance increased that high without any notice? I contacted Aidvantage several times. My debts ( payments ) were in good standing where my payments will be adjusted next month. I am sending payments from XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX.
*I tried to upload most as I can.
|
| 09/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On XX/XX/XXXX, I received a letter from Aidvantage saying I needed to start repayment on my {$9200.00} student loans on XXXX XXXX. I paid off my three loans for a total of {$9200.00} on XX/XX/XXXX. Aidvantage has no history of my loan payment as the loans were paid off when my loans were serviced by XXXX. Aidvantage is now saying I need to produce bank statements proving the payments had been made. I can not access XXXX to show proof of payment as that website no longer exists. Studentaid.gov shows that one payment of {$9200.00} has been made but I still owe another {$9200.00}. I never took out {$18000.00}.
|
| 09/01/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Account Number - XXXX1 Service Provider - aidVantage I requested a refund for three one-time payments I made and have not received a straight answer from AidVantage.
Refunds Requested total to around {$12000.00}.
I requested a refund for the three payments below : XX/XX/2020 - {$4500.00} XX/XX/2020 - {$3700.00} XXXX {$2400.00} I was told they couldn't find the payments and so I couldnt be refunded. They told me to call my old provider ( fedloan ) who then told me to call back AidVantage since they received all the loan information.
Now when I try to call AidVantage, each time I call they hang up on me.
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXXXXXX XXXX - {$280.00} - Balance Updated XX/XX/2023 - This is a fraudulent and unauthorized charge on my credit report, I never authorized XXXX to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like XXXX XXXX and even with XXXX and this is still a standing issue that needs to be resolved.
XXXX XXXX XXXX - {$780.00} - Balance Updated XX/XX/2023 Department Of Education - {$10000.00} - Balance Updated XX/XX/202XX/XX/2023
|
| 12/01/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
As part of Covid relief, payments after XX/XX/202 on student loans were eligible for a refund. I called and request a refund on XX/XX/22 and am eligible for somewhere between $ XXXX {$2500.00} back.
I called on XX/XX/22 for an update and was told that my refund request had been approved.
I called on XX/XX/22 and was told it will take 4-6 weeks to see any progress.
I called on XX/XX/22 and was told the process can take up to 12 weeks.
It is now XX/XX/22 and I have seen no change to my account balances and no refund has been issued, this is well past the XXXX week window that I have patiently waited for.
|
| 04/14/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I attended XXXX XXXX XXXX. XXXX years ago, I applied for a borrower defense discharge. Finally, this year it was approved, after XXXX XXXX orders that both applied to my loans. The new servicer, Aidvantage, is claiming my loans don't qualify. They have offered a small credit for my long wait. All they have said is that I should wait to receive information about my loans. It has been weeks since then. This is a nightmare that has lasted 15 years now. I just want this to be over. I'm hoping there can be a resolution to this. I want others to see this and know it's not just them. You can't trust these people.
|
| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Aidvantage is reporting late payments for the XX/XX/2023 student loan repayment. Due date is XX/XX/. On XX/XX/XXXX the funds were processed and payment was received by Aidvantage, yet all of my loan accounts show an increase in balance, not a decrease.
Payment made is in excess of minimum amount due. Payment was made prior to due date. Payment was processed prior to due date.
Two attempts to call and discuss the issue with Aidvantage resulted in greater than two hours in queue for two seperate calls as the first call resulted in the representative hanging up, same result with the 2nd representative.
|
| 03/05/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
US DEPT OF EDUCATION is stating that i have opened an account with them on XX/XX/2020. I have not attended school or have taken any kind of loan with them. The debt that they are alleging is past due is {$6700.00}. This needs to be investigated and removed as its hurting my credit history and report.
US DEPT OF EDUCATION is also stating that i have opened an account with them on XX/XX/2020. I have not attended school or have taken any kind of loan with them. The debt that they are alleging is past due is {$3800.00}. This needs to be investigated and removed as its hurting my credit history and report.
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$410.00} {$410.00} {$0.00} Last ReportedXXXX XX/XX/XXXX XX/XX/XXXX Date Last Active:XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX none of these credit bureaus are matching DEPT OF ED/XXXX need to be removed only XXXX is reporting XXXX XXXX XXXX XXXX Monthly Payment : {$0.00} XXXX {$1800.00} Last Reported : XX/XX/XXXX n/a XX/XX/XXXX Date Last Active : XX/XX/XXXX n/a XX/XX/XXXX XXXX XXXX XXXX XXXX Account Status : Closed Paid n/a shows paid on XXXX, closed on XXXX, XXXX not reporting
|
| 10/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I overpaid my first payment with Aidvantage on XX/XX/XXXX. I also set up auto-pay on their website. I received confirmation of both the payment being made and the auto pay being set up, however, a week later, I received an email that my payment was overdue. I logged into Aidvantage, and saw that somehow the payment had been reversed. The bank account numbers are all correct. I also saw that autopay was no longer set up. Now my credit score is being affected by their error. I have sat on the phone on hold for hours and never receive any custmer service. I feel trapped and deceived by a predatory company.
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Please consider this as refiling of my complaint to the DEPT OF ED/AIDVANTAGE for allowing the fraudulent accounts and for not taking corrections until this time on my credit report and I have attached the report with identity theft number XXXX. They allowed the fraudulent accounts to be reported in my credit file and I sent out the dispute letter to the bureau and to the company but they never take action. As I checked my credit report fraudulent accounts are still reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
|
| 07/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
My XXXX XXXX loans were transferred from XXXX to Aidvantage. All my loan information from XXXX was able to be downloaded to XXXX XXXX XXXX so I could easily track my payments. Upon transfer to Aidvantage, I am no longer able to download my loan activity to XXXX. So by transferring my loans to Aidvantage, a service was taken away from me, the consumer. Please direct Aidvantage to work with XXXX to enable consumers to download data to the largest personal finance software in the world. I should not have services taken away just because my loans were transferred. Many other XXXX users have the same issue.
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American, Servicemember |
|
In accordance with the Fair Credit Reporting Act, the creditor, Navient has violated my rights. Under 15 USC 1681, Section 602, states I have the right to privacy. Section 15 USC, 1681. Section 604A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Under 15USC 166B a creditor may not treat a payment on a credit card account as late for any purpose.
Additionally, under the Higher Education Act, Federal student loans which have been reported to be in default for 7 years or more, must be deleted from a consumers credit record.
XXXX XXXX
|
| 01/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
I requested a {$10000.00} refund on my last loan payment. That submission was on XX/XX/2022. I have since never recieved the refund nor my balance has been updated on the loan servicer website. My loan servicer within the recent years has been transferred from XXXX to XXXX to Aidvantage and have never been notified of any transfers. I was told from Aidvantage that my loan info would update in their system in mid XXXX so I can inquire about why its taking so long for the refund. I called around XX/XX/2022 and no one has an update for me and I have since seen no refund or movement on my refund request.
|
| 05/21/2022 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " XXXX XXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP!
Company : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I received student loan forgiveness through a borrowers defense application being approved. The student loan servicer only put a small portion of the forgiveness on my loan and applied it to the interest only. After applying this my amount that is owed didn't change, I still owe the exact same amount and before the government payment pause even ended they have added more to my account that I now owe. I'm trying to figure out if I received the loan forgiveness how do I still owe the same amount and even more after this was supposed to be applied. I would like my loan amount to reflect the forgiveness.
|
| 11/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Ive made payments to my loans during the COVID CARES Act of the pause between XXXX of XXXX to XXXX of XXXX have reached Aidvantage ( my federal student loan provider ) approximately 5 times since XX/XX/XXXX regarding a refund I am owed. They did not process my request until XX/XX/XXXX, when I prompted another call back. The information has been so confusing - theres been a XXXX week timeline, XXXX, and now XXXX. Whenever I ask customer service there is no new information just that its coming. I am owed this money as a refund back to me and am tired of being dragged around and getting no information.
|
| 03/11/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, I am submitting a complaint after several rounds of dispute letters. However, these negative items are still reflected in my credit report. XXXX student loans are still being reported to my credit after proof of discharge letter was sent to be removed at once! I didn't attend school there so it needs to be removed! Secondly, XXXX XXXX is still being reported in my credit profile when the loan account was paid in full and transferred to XXXX XXXX XXXX XXXX XXXX ). Why is this XXXX XXXX account still reporting as opened when it was sold and transferred. I have attached proof for both accounts.
|
| 09/15/2022 |
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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.
XXXX XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.
Please forward me an updated credit report after you have completed your Investigation and corrections.
|
| 09/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
My XXXX student loans should have been canceled along with those effect by XXXX scams in 2017. I have emailed the Ohio AG XXXX XXXX how sent me to Consumer Financial Protection Bureau. I have mailed them my question have not heard back in over a month. I called multiple times to speak to an Aidvantage representative about my loans but have not been able to reach anyone at their XXXX number. I sit on hold for hours and never get through. I have emailed them my questions and no response. I have gone from XXXX scam company to Aidvantage scam company... Help!
Very respectfully yours, XXXX XXXX XXXX
|
| 08/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
It is impossible to get in contact with Aidvantage customer service. When I try to use the chat it always says, " We are currently having heavy volume. Sorry for the inconvenience. Please try back later. '' Why would the federal government send student loans to a company that refuses to hire enough staff to answer the questions of borrowers? Loans restart in 10 days, and I have no idea what is going on with my loan/my application for a new repayment plan.
When you call, you are left on hold forever, with no estimate on where you are in line/how long the wait might be. This is also unacceptable.
|
| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Please consider this as refiling of my complaint to the DEPT OF EDXXXX for allowing the fraudulent accounts and for not taking corrections until this time on my credit report and I have attached the report with identity theft number XXXX. They allowed the fraudulent accounts to be reported in my credit file and I sent out the dispute letter to the bureau and to the company but they never take action. As I checked my credit report fraudulent accounts are still reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
|
| 10/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I made the following two payments to my student loan servicer, AIDVANTAGE : 1 ) {$3000.00} - Payment via check delivered XXXX - check deposited on XXXX 2 ) {$380.00} - Payment via check delivered XXXX - check deposited on XX/XX/ AIDVANTAGE Phone Number and Mailing Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have made several calls to AIDVANTAGE to ascertain the status of my payments.
These calls were made on XXXX XXXX XXXX XXXX XXXX
AIDVANTAGE simply states no payments have been made to my account. I have attached proof that both checks were received and deposits were made by AIDVANTAGE.
|
| 09/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have submitted requests to my server ( Aidvantage ) and to studentaid.gov asking why I do not qualify for loan forgiveness since my loans are over 20 years old. I have tried to get on an IDR payment plan, I have applied for SAVE. I have gotten no response from either my servicer ( Aidvantage ) or studentaid.gov. If I would have been told by my servicers ( there have been several ) about IDR payment plans I could have made payments all along, but the servicers always put me in deferment or forbearance. I also went through bankruptcy many years ago and was told I could not add my student loans.
|
| 02/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
You Violated The United States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I was not late XX/XX/2018 and XXXX have me late 120 days past due and XXXX 180 past due.. Please provide proof the payment was late or remove it from my report. According to FCRA everything on my report has to be 100 percent accurate and verifiable.
The Following account : 1XXXX XXXXt Acct number : XXXX Please update payment history current/never late Pleases see all attached document below.
|
| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act, the creditor Aid Advantage, has violated my rights. Under 15 USC 1681, Section 602, states I have the right to privacy. Section 15 USC, 1681. Section 604A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 166B a creditor may not treat a payment on a credit card account as late for any purpose. Additionally, under the Higher Education Act, Federal student loans which have been reported to be in default for 7 years or more, must be deleted from a consumers credit record.
|
| 08/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I see there are some student loans reflecting on my credit score I dont know where these loans have come from and would like for them to be immediately removed from my credit score because it is affecting my credit score. Who ever it is that had this submitted to my credit report is also illegally doing so by law.
15 U.S. Code 1681- Congressional findings and statement of purpose Accuracy and fairness of credit reporting There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
|
| 10/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I discovered that a consolidated student loan which was placed with Aidvantage and subsequently transferred to XXXX still appears on my transunion and XXXX credit reports as open and owed in full. I submitted a credit dispute to XXXX and XXXX, and spoke with aidvantage by phone asking that they update my account to reflect the fact that the balance was not owed to them and had instead been transferred to XXXX. I was told by advantage that they would do this and was sent a letter by email to that effect, however instead advantage verified that I still owe the full balance to the credit unions.
|
| 08/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act, the creditor Navient, has violated my rights. Under 15 USC 1681, Section 602, states I have the right to privacy. Section 15 USC, 1681. Section 604A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Under 15USC 166B a creditor may not treat a payment on a credit card account as late for any purpose.
Additionally, under the Higher Education Act, Federal student loans which have been reported to be in default for 7 years or more, must be deleted from a consumers credit record.
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| 10/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
XX/XX/22 : Called AidAdvantage to refund me the payments I've made to my Federal Student Loans during the payment pause. I was informed it totaled over {$19000.00}. I was informed it would take from 4-6 weeks.
XX/XX/22 : My refund request was approved.
XX/XX/22 : I called AidAdvatange for an updated and was told that it my refund was approved, and it would take 4-6 weeks.
Today, XX/XX/22 : It has been 7 weeks now and I still haven't seen any update on my AidAdvantage status. I have not received any status update with Student Aid as well. I have not received a penny of my refund back.
|
| 09/14/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
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I contacted my loan servicers, both XXXX and Aidvantage in attempt to try to confirm the origin of the loans they hold. I was told by XXXX that they no longer hold the loan for XXXX XXXX after I had gone through submitting the requested dispute form for a loan that was taken out in my name.
There is a fraudulent loan that was taken out from XXXX XXXX in my name. This loan is approximately {$8000.00}. I was told by Aidvantage that I could not confirm the origin of the loans that they hold at all. I have been unable to dispute this loan successfully as I do not know who is holding the loan.
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| 02/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
i have attached the three credit burau reports. Advantage formally was named XXXX loan company. now they're named XXXX. XXXX would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to SSA and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to XXXX.
|
| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
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Payment attempted to Aidvantage on the following dates : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 Each time payment was reversed. I resubmitted my bank account information and tried submitting again, but still the payment is reversed. Unable to get in contact with the company. I tried to contact them through email on XX/XX/2023, and they have not replied. Now they are saying I missed my payment, without any notification. The only emails I received from them during this periods were confirmations that my payment had posted. There were no communications about reversed payment.
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| 10/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
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I made a monthly payment ON DUE DATE XX/XX/2023, and received a confirmation email. However, it has been XXXX business days and I logged into Aidvantage and it is saying payment returned. I never received notification of this. I also noticed as I checked on my withdrawal status throughout the week at my bank and Aidvantages website, some days it will appear the payment posted and others would still reflect I have a past due amount. My bank information is correct and I made my payment on time, so why is interest accruing on the higher balance when I made my payment!!! It feels fraudulent.
|
| 11/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
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Going back to XXXX. I've tried to make payments on my student loan, but they have never taken the money out of my account. Meanwhile, my interest rate keeps going up, my loan amount is getting bigger, and they keep reporting to my credit report. I've tried making a payment as recently as XXXX of XXXX. In fact I tried twice in XXXX but yet they never actually take the payments and apply them to my account. I just want to get this stupid loan off my credit report so I can move on and be able to apply for better loans with better interest rates, but they are standing in my way!
Thank you
|
| 10/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Due to financial hardship, I requested a refund of the payments I made during the Covid Emergency. I made payments every month, without fail, from the start of the pandemic through XX/XX/2022. It was late XX/XX/2022 I requested a refund. I have called frequently, even asking to speak with a supervisor, a request that was denied. It has now been 7 weeks. I call weekly and the process is still as opaque as it was at the start. I have creditors asking for timeline of payments to which I cant provide. I cant use my credit card to pay for school lunches or mortgage payments.
Please help.
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| 11/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
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I have made 3 payments that were processed. I received emails confirming this. Payments were never deducted from bank account. Days after confirmation of payments received, the loan status appears as payments reversal the company claims I have not made payments and has charged me interest. And outstanding balance of the double of my payments appears on the account. Overdue payments appear in red. My total amount has increased.
I called my bank and the representative explained that there was never an attempt or claim from aidvantage to collect payments.
I made two payments of XXXX
|
| 03/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
I was awarded more financial aid than my credit score would qualify me for. I had to take out school loans just to cover the required books and class requirements. The interest alone has added XXXX to the balance. I feel like it was predatory lending. My income verification should have shown I could not afford the payments. I can not afford a house and I'm XXXX XXXX XXXX. The education I received did not educate me enough for the debt incurred. The classes I took I have used to gain employment. {XXXX} per hour. Not near worth XXXX for online certifications. I wish I could buy a home.
|
| 10/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I am trying to work through repayment options with Aidvantage. I first submitted a recalculation request, never received a confirmation in doing so and I am worried they will charge a late fee.
I also tried to submit a payment while my loan was being reviewed using the same bank account I used before the XXXX deferment and they are now saying that I need to have my bank send them a letter because the previous payment was kicked back. There was no issue on my banking side so now I am unable to make any payments because their website wont accept it.
All this happened on XX/XX/2023
|
| 10/31/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
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I have two pending Borrowers ' defense applications that are being reviewed. I also have loans for graduate school that are not related to the borrower 's defense. I have asked Aidvantage to separate my consolidated loans so that I can start making payments on my graduate school loans. It has been a month with no response. I have also contacted the Department of Student Aid. The Department of Student Aid has also advised that they have not received a response from Aidvantage now adding an additional 15 days. Loans are now incurring interest and I am to make payment on those loans.
|
| 09/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
back in XXXX and XXXX The DEPT OF ED/XXXX started to reporting inaccurate Information on my credit report I've made numerous request for the to remove these inaccurate Information on my report and nothing I also ask the to send me proof that they send me a letter stating my account was going to be late, this company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. also I've paid off two of this accounts and its still reporting inaccurate on my credit report I would like for them to remove these inaccurate report on my credit report..
|
| 08/13/2022 |
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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|
I had a student loan serviced by Aidvantage years ago. I had it set on autopay and they still reported melate. I tried to resolve it with them in 2015 and they never fixed the issue. They instead reported latepayments and reported it as a collection.
I submitted a claim to the CFPB already claim # XXXX.
Aidvantage replied to the CFPB saying they would remove it from my credit report in XXXX and they still have not removed it.
Interest rates have been going on on home mortgages and I can pursue the company for financial distress since it is impacting my credit score and rate.
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| 01/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Hello I requested a refund from my student loan payment I made XX/XX/XXXX. Which was during the pandemic, so I requested a refund with my federal student loan services Aidvantage XX/XX/XXXXXXXX. I called the every 3 weeks since my initial request and no update besides my balance being updated on XX/XX/XXXXXXXX I keep getting the same response from customer service saying its process buts its been 10 weeks. They said after the balance is reinstated theyll mail the check to my address listed on my Aidvantage account. Can you please expedite the check to my address on my Aidvantage.
|
| 01/31/2022 |
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 |
Servicemember |
|
I have contacted XXXX XXXX and XXXX concerning my student loans which were discharge as of XX/XX/2020 unfortunately they are still affecting my credit and because of the discharge because of my XXXX they should no longer be affecting my credit as a matter fact they should be on my credit at all because of a discharge I have tried several times to get this resolved and steal all three of the credit Bureaus continue To report this derogatory information these items should no longer be on my report at all so I asked them to remove them and unfortunately they have refused to do this.
|
| 06/14/2022 |
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
- Problem with personal statement of dispute
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|
Web |
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I've filed multiple complaints with XXXX and asked about this dispute multiple times ; they took longer than 30 days to give a resolution ; and stated that they forgot the dispute number and to just file again. Every time there is a resolution ; I call to find out why they decided one way and I never get any information.
I was not notified of the student loans correctly and they sent information to an old address from my freshman year in college of the loan being due. This has adversely impacted my credit and I have not been able to get any information from XXXX!
- XXXX XXXX
|
| 08/19/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX University XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/21 FULL TIME XX/XX/21 I was never full time, and they were taking out housing funds the whole time they were taking out school loans. I could not figure out why they were always taking out 2 loans at a time and then someone had told me because they were charging me for housing or on campus, I was never full time i only did online 2/3 times a week. My phone number is please contact me. I never recieved any of this money i was only doing 2 classes online in from XX/XX/XXXX and then in XX/XX/XXXX i went down to 1 class
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This furnisher is in direct violation of FCRA section 623, which states that a furnisher must not report inaccurate consumer information to CRA ( s ). The US DEPT OF EDUCATION, has been reporting student loans in incorrect status to ALL credit reporting agencies ( XXXX, XXXX XXXX ). Student loan status should be reporting as on time payments accordance with Section 3513 subsection ( d ) of the cares act. The resolution that I am seeking, is an updated paid to as if it were a regularly scheduled payment made by a borrower in accordance to the cares act section 3513 subsection D.
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| 10/28/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Attempted to make several loan repayments before the due date and each time AidVantage reverses the payment. I receive the email thanking me for payment but then a few weeks later receive an email saying that they have not received any payments and I am past due. This is incurring interest and affecting my credit score poorly. Please help!
XX/XX/2023 Payment Reversal XX/XX/2023 Payment XX/XX/2023 Payment Reversal XX/XX/2023 Payment XX/XX/2023 Payment Reversal XX/XX/2023 Payment XX/XX/2023 Capitalized Interest {$220.00} - {$220.00} {$110.00} - {$110.00} {$110.00} - {$110.00}
|
| 08/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
I recently submitted a request to my loan servicer documentation needed to request a XXXX XXXX XXXX XXXX but have denied my request. It is believed that the denial request is discriminatory in nature and without merit. I am a XXXX XXXX XXXX who was injured in a car accident on XX/XX/XXXX and onXX/XX/2021, which made my disabling conditions much worse and required additional medical treatment.
The deferrment request was signed by my XXXX XXXX XXXX XXXX who acknowledge and confirmed my injuries have made it difficult to work at this time and require further medical treatment.
|
| 07/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Company keeps closing my complaints. Have failed to provide substantiation of the debt; including but not limited to, verification of the debt, chain of command, payment history, and loan disclosures with my signature, full and proper accounting of the loans. Furthermore, I only received 13 of 17 documents provided by the company. I am a litigious consumer and will escalate this matter to the highest extent of the law if this matter is not fully investigated. I did not sign the document uploaded by the company on XX/XX/2020. Company is in violation of section 609 of the FCRA.
|
| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I placed a security freeze on my XXXX credit report due to previous fraud on XX/XX/2023. On XX/XX/2023 I was alerted to two new inquiries & subsequent accounts on my report for student loans from " Dept. of EducationXXXX '' in Texas, which are NOT my accounts!! ( I am almost XXXX & live in another state. ) I have repeatedly tried to contact XXXX by phone, online, etc. & they have me locked out to dispute this obvious identity theft. Since I established a security freeze prior, they should NOT have even allowed any accounts to be opened or inquired about without contacting me.
|
| 06/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
I got A XXXX XXXX loan that was a XXXX lender I never received a postcard about the settlement not the Student loan forgiveness and no $ XXXX my loan servicer is now advantage I got an account that was forwarded from Nivient to Advantage that said I owe XXXX XXXX, no mention of the loan forgiveness or post card and check sent to me only that I owe Advantage my new servicer please request XXXX send out the postcards my loan is one of the loans that qualified to forgive the loan and to pay me {$250.00} Thank you! XX/XX/22 XXXX XXXX loan forgiveness XXXX settlement. XXXX XXXX
|
| 06/14/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
Over the years I've been struggling to find a job in my field of XXXX XXXX w/XXXX XXXX. I've reach out to the school ( XXXX XXXX XXXX on several occasions for job, and more internship assistance to no avail. I was guaranteed job placement, and the only thing I received was a dent in my credit report. Do to not being able to work in my field, and having to work dead end jobs just to pay my bills, I'm now in a financial strain. I'm very disappointed in the service I've received. What was supposed to be the best decision of my life, ended up being the worst decision of my life.
|
| 12/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I updated my account info with AidVantage, my loan servicer, on XXXX and tried to make a {$400.00} payment which was reversed same day. I made a {$490.00} payment on XX/XX/XXXX, also reversed. I tried again with a {$490.00} payment on XX/XX/XXXX which reversed. The reasoning for each reversal has been that they could not identify a bank account using my account and routing number. When I called, the supervisors recommendation was to re-enter my bank account. Before then, the representative was encouraging me to make a payment via credit or debit card, which I refused to do.
|
| 11/29/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have enrolled with Aidvantage for auto-pay of my student loans. Both XXXX and XXXX, my automatic payments were withdrawn and applied properly to my loans. However, Aidvantage continues to claim that my account is delinquent. Basically, they took my money and then said I never paid. All of this despite my history of payments being very clear on their website.
I have contacted them many times over the past month about this with no resolution, despite their admitting my payments were made and there was an error on their end. They still show my account as being delinquent.
|
| 11/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My employer was going to pay $ XXXX on behalf as an employee. However, this amount would be reduced due to the taxes withheld. The amount should be close to {$5500.00}.
The payment was made to aidvantage approximately 30 days ago. However, the payment has not been posted to my account. Interest continues to accrue at approximately 5 % interest.
I have contacted aidvantage via their website help page, and after each submission the website thanks you for your email to aidvantage. I have contacted them three times in the last three weeks and no response has been received.
|
| 12/03/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Call Aidvantage on XXXX XXXXXXXX XXXX to request refund on student loan payments. Request was submitted. Advised could take up to XXXX weeks for money to be refunded. Called back in XXXX and XXXX to check status. Advised still processing. Called back XX/XX/XXXX and was told Aidvantage had finished processing on XX/XX/XXXX and forwarded it Federal Student Aid which then has to be sent to the Treasury. Advised it would take up to another 8 to 12 weeks and refund would be mailed not direct deposit. Which means I have to wait approximately 6 months for my money to be refunded.
|
| 01/16/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
I was told by XXXX that my payments for student loans would be waived but they have not done so. It is destroying my credit. They have stated I owe XXXX. I do not have that by any means and I have placed it in forbearance numerous times. I was even incarcerated and they continued to call my wife over and over again. With the way the economy is setup I am asking that this please somehow be removed. Its hard enough out here as it is and this company uses improper tactics and Im trying to make a living the best way I can. Any help would be great. Please look into them for me.
|
| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am member of the class of federal student loan borrowers covered by the recent settlement of the Sweet v. Cardona ( " Sweet '' ) lawsuit. I submitted a Borrower Defense to Repayment discharge application relating to my federal student loan ( s ) on or before XX/XX/XXXX, and it was approved. Pursuant to the Sweet v. Cardona settlement, this account must read " Paid Satisfactorily '' and ALL ( past, current, future ) fraudulent payment information is to be updated to " paid on time ''. I have also attached my dispute letters from XX/XX/XXXX that were sent to XXXX and XXXX
|
| 01/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
My student loan accounts have been inaccessible for over 3 months. My accounts were transferred from XXXX XXXX in, I believe, XXXX of 2022 and have yet to be set up with Aidvantage. I have not received an account number. I can not request a refund that I have been trying to get since XXXX of 2022. I am told something different every time I call Aidvantage, and nothing has been done. I know that Aidvantage has my loan information because they can see it when I call in and provide my social security number, but they have yet to set up my account and issue an account number.
|
| 11/11/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Hello. I applied for the 5 year XXXX loan forgiveness with aidvantage.com and I was denied. They want me to fill out a new form however this is not possible because I have worked at 2 different XXXX and I do not have access to the previous principal. I provided them with evidence of 5 years of XXXX at 2 XXXX XXXX XXXX with the signature of each administration. I also signed the section 4 form and dated it.
My data is supported through my 2 images titled : my data # 1 and my data # 2 which both have the signatures of my admin and one of them has my signature and date.
|
| 10/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
Servicemember |
|
Student loan payments resume this month. I logged in to my account to make a payment, and they claim I owe {$990.00} TODAY.
My total loan amount is {$14000.00}, to be paid off by XXXX. My interest rates are 4 %. I also received a XXXX XXXX, and was granted forgiveness before that was rescinded by the Supreme Court. I then applied for a payment plan adjustment. I am currently unemployed.
Before XXXX pause, my payments were around {$120.00}. $ XXXX is literally insane. It's inexcusable, predatory, and borderline extortion.
Aidvantage should be dissolved as a company!
|
| 11/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I have XXXX separate student loans through Aidvantage. I turned on autopay before the billing date of both loans and somehow it keeps being deactivated by someone other than me. Additionally, I use the " Pay Now '' feature in attempt to pay the loan directly and after a couple days of processing it says " Reverse Billing '' and claims that the amount was never paid. I have the means to make the payment but it appears like they are trying to intentionally incur late fees on my behalf after I have tried multiple times to make the payment well ahead of scheduled due dates.
|
| 03/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Under Biden the nation has a pause on student loan payments. Other then this major fact, I have a IDR plan to pay XXXX dollars back monthly. Advantage reported late payments on my credit report and I got negatively hit. This is the second time this has happened. The first time was with XXXX and then they turned into Aidvantage. So second time under both names. This is frustrating. No one in the department should be filing anyting on any person reports. While I was on the phone with this company tli specifically asked them if the CFPB is over then and they said " no ''.
|
| 11/06/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Requested a refund check for payments made on my student loan accounts at the end of XXXX. Was told after approval it would take 4-6 weeks. Refund was approved on XX/XX/22. The balance of my loans updated on my XXXX on XX/XX/22. I have called once weekly inquiring about my check and was told its in the hands of the dept of treasury and that it should arrive soon but that the timeline has changed to 10-14 weeks from approval. They keep changing the timeline. Please help me because Aidvantage has not provided me with any correspondence other than when i inquire. Thanks
|
| 11/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I've tried numerous times to pay on my student loan and have been sent back everytime that they successfully took payment, but days later there is a reversal in payment.
I paid consistently on this loan before 2020 and now they are having reversal.
I've emailed to them on XX/XX/XXXX and was supposed to hear back by XX/XX/XXXX.
I'm very frustrated with trying to repay my student loan with Aidvantage. I've seen numerous stories from others concerned with them and there reversal practice.
It appears they just want to dial up interest on loans by denying repayments.
|
| 08/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Calling the company Aidvantage about the account login being XXXX. They will not unlock the account. I spent XXXX hours on hold to unlock the account for my mother so we could setup payments that were about to restart. My mother is elderly and can not sit on the phone for XXXX hours nor can I go and sit at her house for XXXX hours because I have to work so i can pay my loans. The loans are under my name anyway and her name. This is unrealistic requirement for a working person that is trying to may payments on their loans like I have been doing for the last 6 months.
|
| 09/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
|
I sent an email letting them know that I can't reach anyone. They have not replied. No one answers their phone. No one monitors their chat. It is impossible to adress an issue ( and I have one as I have discovered a mistake on my account ) because there is noone at Aidvantage to communicate with. It is a dead end, and all the while the issue goes unaddressed. They do not answer their phone during open hours of the day ( Moday XXXXXXXX XXXX XXXX, Tues-wed XXXXXXXX XXXX XXXX Thursday Friday XXXX XXXX XXXX XXXX XXXX
I need someone from AidVantage to contact me asap.
|
| 07/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
The complete accounting requested in my CFPB complaint # XXXX THAT did not include any interest THEREFORE WAS INACCURATE AT THE TIME IT WAS DISCLOSED TO ME ON XX/XX/XXXX, ALLEGEDLY. I am requesting a COMPLETE ACCOUNTING OF ALL OF THE LOANS INCLUDING INTEREST ACCRUALS.
I HAVE BEEN REQUESTING THIS INFORMATION FOR ALMOST 9 MONTHS NOW. I WAS RECENTLY INFORMED THAT THE INFORMATION MAILED TO ME DID NOT INCLUDE ANY OF THE INTEREST FROM XXXX TO XXXX. THEREFORE THE DOCUMENTATION AND ACCOUNTING SENT IN THE XXXX REQUEST WAS NEVER FULFILLED OR AIDVANTAGE IS COMMITTING FRAUD.
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX is the loan servicer for my loans and they have filed a 1099c IRS form and never sent me the copy i was suppose to receive. They are also reporting to the credit reporting agencies my transactions and they are not suppose to be reported per USC 15 1681 ( a ) -2. I have called and tried to speak to someone and as usual they keep you on hold until the phone hangs up or you hang up. I would like to do whatever it takes to not only get this situation corrected properly, but to also make other unsuspecting borrowers aware of the service you will receive with them.
|
| 11/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I've attempted to make XXXX payments on my outstanding loans with my servicer, Aidvantage, but each has been reversed with no explanation or e-mail notification despite payment confirmation through e-mail and confirming that my bank account information was correct.
The payments were : XX/XX/23 for {$1000.00} XX/XX/23 for {$1200.00} XX/XX/23 for {$1000.00} XX/XX/23 for {$1000.00} I've just submitted another payment for ~ {$1200.00} on XX/XX/23 with freshly confirmed bank information, and have yet to hear back from my loan servicer regarding the bounced payments.
|
| 04/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
ACCOUNT SHOWS LATE PAYMENTS. THIS ACCOUNT HAS NEVER BEEN LATE NOR HAS ANY PAYMENT EVER BEEN MISSED.
15 U.S.C 1681 section 602 A. States i have the right to privacy.
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector of the express permission of a court of competent jurisdiction, a debt collector man not communicate with a consumer in connection with the collection of any debt.
|
| 06/10/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I just received a decision from my loan servicer stating their investigation is correct and all information is reporting accurately. The loan reflects late payments during a period the FEDERAL GOVERNMENT SUSPENDED PAYMENTS. Please remove these accounts from my credit report to align with FTC.
AGAIN, The federal governments has executed the cares act as well a mandate to suspend ALL STUDENT LOAN PAYMENTS. LATE PAYMENT ARE STILL REFLECTING WRONG. PLEASE REMOVE ACCOUNT FROM ALL 3 BUREAUS AS THE STATUS IS NOT CORRECT AND ACCORDING TO THE FTC US15 U.S. Code 1681i.
|
| 10/12/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I previously opened complaint # XXXX, but it has not yet been resolved. In Aidvantage 's response, they write : " Typically refunds from the U.S. Department of Treasury can take up to 4-6 weeks. In reviewing your call into our office on XX/XX/2022, we confirmed the agent did advise the refund amount of {$15000.00} as well as the correct time frame of receiving the refund would be 4-6 weeks '' It has now been 7 weeks since I requested for a refund of my balance of {$15000.00} per the CARES Act, yet a ) my balance in Aidvantage and XXXX has not yet been updated.
|
| 10/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have a student loan & a Parent Plus Loan through Aidvantage. On XXXX I tried to make a payment on the Parent Plus Loan, I received a payment confirmation email, but the funds never left my bank account. I tried the payment again on XX/XX/ and the same thing happened. In my Account History, the payment is logged but then followed by a 'Payment Reversal ' from Aidvantage XXXX
Aidvantage says it was because of an error in the account numbers I entered, but provided no additional assistance or advice. The bank account & routing numbers were correct both times.
|
| 04/07/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hello, I reviewed my credit report and saw an inaccurate account reporting. I consolidated my student loans with XXXX and the balance was PAID IN FULL and transferred to the new loan XXXX Aidvantage. However, the original student loan is still reflecting on my credit profile. This error is impacting my credit scores as my DTI is elevated. I have sent out dispute letters, but my request has been ignored. Please remove this from my credit report at once! Its illegal to report outdated information. This balance was satisfied in FULL and needs to be removed ASAP.
|
| 10/27/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XX/XX/XXXX - called Aidvantage to request refund of payments made during forebearance. XXXX approval for about {$9500.00}. Told I would receive check in XXXX weeks XX/XX/XXXX - called Aidvantage for update. Refund was processed on XX/XX/XXXX and would take XXXX weeks to receive refund.
XX/XX/XXXX - called Aidvantage for update. They've done " all they can '' on their end, and now need to wait for government/treasury to cut check. Will not know how long it takes until my balance is updated in their system. From there, will take XXXX weeks to receive a check.
|
| 06/28/2022 |
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 |
|
|
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
|
| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Twice now, and on time, I have made a payment to pay off loans directly from my bank account, which I triple-checked to make sure I had the right routing and account number, and both payments ended up with a payment reversal status the exact same day I tried to pay them.
My first payment was {$120.00} on XX/XX/ and my second payment was {$240.00} on XX/XX/. I received payment confirmed emails both times and NO indication that the payment was rejected for any reason.
I would like to pay these off in a timely manner and they have not been helpful at all.
|
| 10/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have not been able to get any information about my Borrower 's Defense discharge. I received approval in XXXX and was told it would take 7 months to complete. It's a full month passed the 7 months Aidvantage said it would take them to resolve. I tried to get information once on the phone and twice in writing this passed month, all with no answers provided. I've attached a copy of my last complaint for reference and since then, nothing has changed. As suspected, Aidvantage isn't doing what they said they are supposed to do and are mishandling my account.
|
| 06/12/2022 |
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 |
Servicemember |
|
I have XXXX loans with XXXX College in which the POTUS has forgiven the loans. I have disputed the remaining loans on my credit report, but without any luck they remain there, on all 3 reports. When I look at financial aid website, they are not there so I know for sure they have been forgiven. I need this taken care of. I am a XXXX veteran, so as soon as I can get those abolished I can apply to get the rest them discharged. I am currently trying to buy a house, but with XXXX in XXXX loan debt on a fixed income, that is not going to happen anytime soon.
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. DEPARTMENT OF EDXXXX XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$6700.00} ; {$5600.00} ; {$1100.00} ; {$1000.00} ; {$7700.00} ; {$3900.00} ; {$7900.00} ; {$2600.00} ; {$10000.00}, {$2000.00} ; {$14000.00} ; {$24000.00} of this loan have competed the rehabilitation process. Delete now.
|
| 09/12/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I called on XX/XX/XXXX to get a refund on loan payments made since XX/XX/XXXX and was told it would take 45-60 days to see the balance updated and receive the refund. I was also told that they were unable to find any information on two of my five total federal loans after they were taken over from XXXX After the conversations, I received no additional information that the request had been submitted and have not heard anything since. I need the refund to be sent and the balance to be updated before the forgiveness form becomes available in XXXX XXXXXXXX.
|
| 10/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Aidvantage is a nightmare. It always takes OVER AN HOUR to get through to a representative. Once you get someone, they are unhelpful, standoffish ( XXXX hung up on me ) and give you incorrect information about your loan. I've been trying to switch my repayment plan to SAVE for weeks now, I thought it was complete after speaking with a rep, then a week later I get another letter from them saying, you have to call us if you watch to switch your plan, so apparently the person on the phone that I had to wait an hour to speak with, did absolutely nothing.
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I noticed on my credit report that my student loans were being reported twice. The old loan was being managed by DEPT OF ED/XXXX for a few months and then that account was " sold '' to XXXX/DEPT OF ED. Both Loan servicers are listing this as an active account with a balance of {$59000.00}. This DOUBLES my loan amount which is inaccurate. DEPT OF ED/XXXX should have listed this account as PAID OFF/CLOSED when it was sold to a new loan servicer. This will negatively affect any efforts I to apply for credit as my student loan amounts are DOUBLED FALSELY
|
| 11/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My Loans were transferred from AidVantage to XXXX about a year ago but AidVantage is still reporting them as open with the credit agencies. I called them about 5 months ago and asked them to update it on my report. It is hurting my credit score because it has doubled my debt amount. They said they would escalate it, but it still hasnt been resolved. I have had to contact the credit bureaus on my own and dispute them. I dont feel like this company has done its due diligence and I feel like this should not have been my responsibility to take care of.
|
| 10/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
Older American |
|
XXXX XXXX was found to be in fault and all loans were to be XXXX. XXXX of my loans were XXXX but XXXX remain that are listed as XXXX XXXX. I have been chasing this for a year now. Aid Advantage acknowledged and presented a letter that loans XXXX & XXXX XXXX would be discharged. To date nothing has happened. All these loans originated with the XXXX XXXX XXXX XXXX ; another faulty school/ They transferred these loans to XXXX XXXX XXXX found at fault. All within the penalty timeframe. All these loans should be XXXX as noted and presented in writing.
|
| 10/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I am struggling to understand the number of qualifying payments I've made and how my payment was calculated under each type of repayment plan I've been pushed into. I've asked for this information from XXXX and aidvantage, I want the specific answers FOR EACH AND EVERY LOAN, FOR THE ENTIRE TERM OF THE LOAN : 1 ) Each stage of payment plan- active ( or inactive... ) IBR or IDR, and the date the plan was in effect, and when it lapsed.
2 ) The current IBR/IDR plan I am in ( and as of which date ).
and XXXX ) how payment is calculated for each plan.
|
| 10/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Aidvanatge is the current services for my loans. I applied for my SAVE plan on XXXX XXXX on XX/XX/23 and was told to do it again on XX/XX/23 and XX/XX/23. All documents have been submitted and I have callers over 100 times to try to get answers and all I am told is it will take 10-15 days to process. I have been cursed out and hung up on and talked to rudely by the customer service representatives and have yet to have my payments updated to reflect the new payment plan. I have been repeatedly been told the issue has been corrected but it has not.
|
| 10/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I've been attempting to make payments towards my loans since XX/XX/XXXX on my loans and even scheduled the payment for after the pause ended for the pandemic and Aidvantage keeps reversing my payments. I've used debit cards with maxed out withdrawal limits and savings account wires and both are being reversed. My last payment is now considered late and I'm being charged for being late.
I've attempted payment on these dates : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, {$630.00} XX/XX/XXXX, {$630.00} XX/XX/XXXX XX/XX/XXXX, {$620.00} XX/XX/XXXX
|
| 09/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
My wife and I decided to pay off my mother in laws parent plus loan after she had passed away. We did not realize that once she passed away, the loan would be discharged. Therefore we requested a refund. We were told to provide a copy of the death certificate, and additional information to process the refund, which we did. Its been over a month and the companies involved could not provide me information as to whether the refund request was approved or not approved.
I am still waiting for my full refund, and I am hoping to expedite this process.
|
| 01/14/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Recently XXXX transferred the student loan they claim I owe to Aidvantage without my consent, I do not have a contract with aidvantage, aidvantage is not the creditor, and I haven't agreed to any terms with their organization. I never received the student loan amount they claim I owe, ask aidvantage to provide my wet ink signature on any document that claims I consented to do business with them. I reserve all my rights and waive none, I rescind any signature on the student loan contract. I never received just compensation. Lack of consideration.
|
| 11/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I had applied for a new SAVE plan over 60 days ago on XX/XX/23 before the payments were supposed to resume. They placed my account into forbearance pending " administrative form. '' My SAVE plan was marked as approved on studentaid.gov and my payment amount was calculated as $ XXXX. I recently received an email stating that my new payment was {$140.00} and for the PAYE plan which is obviously wrong. I have emailed them 5+ times and attempted to contact them via chat and call. My new due date is XX/XX/23 and they have taken me out of forbearance.
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. DEPT OF EDUCATIONXXXX XXXX and DEPT OF EDUCATIONXXXX XXXX were still showing late payments on my credit report in violation of Federal Law. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
|
| 01/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/XXXX I requested a refund with Aidvantage for the money I have paid from XX/XX/XXXX until now. I was initially told it would process in 6-8 weeks. Ive called multiple times, and gotten told that its taking longer to process and that my timeline was pushed from 6-8 weeks to 10-12 weeks. After that I called and was told 14-16 weeks. I called today ( again ) on XX/XX/XXXX, its now been over 18 weeks and I was told that they dont have a timeline because they dont have any control over the next steps and theyre waiting on it to be approved.
|
| 10/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XXXX XXXX, XXXX, and XXXX, XXXX I have attempted to make payments toward my student loans, however, each time the payment would go through they would reverse it. I was sent a pdf explaining they couldnt find the funds from my bank which doesnt make sense because Ive already checked all of my bank information to make sure it is correct, which it is. The deadline is coming up on the XXXX and with so many reversed payments with terrible excuses I cant help but feel like theyre trying to unfairly prolong the process to maybe receive more money.
|
| 06/29/2022 |
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 |
|
|
since XXXX of 2020, I have tried calling the student loan lenders to advise them I should not have or show any late payments on my account, I have disputed this several times, even to the point where I had to switch lenders because they was not properly handling my account and reporting inaccurate information to the credit bureaus. My credit report shows inconsistent information, XXXX late payments reporting all with the same account number. I do not have XXXX loans with the exact same account number which is another huge error on their part.
|
| 10/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Aidvantage presented false and misleading information that I could reduce my monthly payment by applying for XXXX of their income-driven repayment plans in XXXX of XXXX.
Well, I applied and my payment SKYROCKETED from ~ {$100.00} to almost {$500.00} just XXXX hours before my first payment is supposed to be due and I have been unable to get in contact or get any response from them.
Hopefully they do this to enough people and get sued and the loans they were given by XXXX during the pandemic are taken from them. XXXX was SO much better.
|
| 10/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
requested refund for {$24000.00} from aidvantage on XX/XX/2022 in order to qualify for student loan relief. I was told I would receive the refund in 4-6 weeks and no payments would be taken from my bank account until after XX/XX/2022. My balance is showing XXXX ( paid in full ) but a payment of {$320.00} was taken from my account on XX/XX/2022. It has been 7 weeks since I requested the refund and I haven't gotten it or any confirmation that it was even processing. Can not get a straight answer from any customer service agent when I call.
|
| 11/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have received multiple emails from the U.S. Department of Education regarding action needed for missed payments on my federal student loans. AidVantage, the loan servicing company has not responded to any of my inquiries into this issue. I have not missed any payments, nor does the account page I have access to through AidVantage show any delinquencies. I need to have assurance that no action is necessary on my part to avoid false reports on my credit history. This is total incompetence on AidVantages part and is totally inexcusable.
|
| 11/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My student loan servicer, Aidvantage, has calculated my monthly payment under the SAVE plan incorrectly. It does not match what I am given on the studentaid.gov website nor when I calculate it myself. I have asked for it to be recalculated numerous times. I have asked them to give me the calculation that was used to calculate my payment. I have resent my proof of income several times. I have called and waited on hold for over an hour. I can not get anyone via the chat. I am just now getting replies to emails I sent back in XXXX / XXXX.
|
| 07/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
i have been making payments since 2013. I qualify for Public Service Loan Forgiveness because i work for XXXX XXXX XXXX XXXX. i have tried to call aid advantage but they are closed. i am on XXXX XXXX so they are unable to answer my calls. online they are showing that my loans are in forbearance/deferment?. this is a surprise to me because i have been making payments since 2013. i am also in a income driven repayment plan but i have not been in forbearance. i have been having issue ever since my loans were moved from XXXX to aidvantage.
|
| 09/06/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/2022, I called to request a refund of the payment I made on my student loan during the COVID 19 pause. I was told that I was entitled to a refund due to a provision in the CARES Act. The person I spoke with on the phone said that he would put in my refund request for processing that day and that he did not foresee any issues. I've contacted Aidvantage regarding the status on multiple occassions and have been completely ignored. My account has not been updated, which implies that no action has been taken in the past two weeks.
|
| 11/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Since XXXX i have been trying to pay my loans and they keep rejecting my payments. Now it is charging me late fees and RUINING my credit score. Customer service said they dont know and refused to give me any information, my bank says they arent seeing anything on their end, my banking information is correct. I dont know what else to do because its about to ruin any chances i have moving out of my parents house and its charging me interest!!! i feel like im being taken advantage off and need to take legal action to the fullest extent.
|
| 10/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
On XX/XX/XXXX I called for the first time to request a refund of payments in the amount of {$9900.00}.
XXXX and was confirmed by the customer service representative that the refund would process in XXXX weeks.
I have been waiting and have had no updates other than being told on XXXX more occasions when calling on XX/XX/XXXX and XX/XX/XXXX that my balance would update within XXXX weeks still.
This has been incredibly frustrating and tomorrow makes XXXX weeks, with no balance update and no confirmation of any movement of my money.
|
| 04/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
My loans changed from Navient to Aidvantage. Ive tried multiple times to log in and take advantage of the pause on loans but I have yet to be able to see my loans. And their website states nothing is to be done until prior to the first billing. I feel as though Im unprepared. I also notice that interest is still accruing even though there should be a pause on interest. I can see interest accruing because my credit score changes and shows me my debts are growing larger but I cant actually log in to Aidvantage to see the actual amount.
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have files several disputes with the XXXX credit bureaus asking for them to investigate and correct several accounts that appear on my credit report. I have received several responses that the reporter has verified the information as accurate, I have never received anything from this creditor after several attempts. They have not verified the account nor provided any documentation that what they are reporting is correct. This is detrimental to my credit and has damaged my access to credit and reasonable rates for several years now
|
| 10/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I am supposed to receive an interest rate reduction when I sign up for autopay.
I signed up for autopsy on XX/XX/XXXX. My application hasnt been processed yet.
I reached out to check the status in XXXX and was told it wasnt processed yet. When I looked on my account it said that the first auto payment was scheduled for XX/XX/28.
I checked back and now it says the first auto payment is slated for XX/XX/28. I reached out again and havent received a response.
In the interim, they have been charging me the higher interest rate.
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
They had it as I was staying their on campus and I never did. I lived in XXXX XXXX until XXXX and then moved to XXXX in XXXX also, XXXX just not understanding how it cost the same amount of money to go online with XXXX XXXX then it does at XXXX and I have housing and daycare and take more classes then I did at post I was never full time at post I was only taking one or two classes and even before I transferred it was only 1 class I know for sure. Please contact me I have more to add to This mainly questions but could be more XXXX
|
| 04/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
To Whom it May Concern I have sent 3 letters to all 3 credit reporting bureaus. They have never gotten back to me on the information on their " investgativion ''. I contacted the Dept of Education and never heard back from them either. I have never been late on my loans as I have been in school. I am not sure why this is reporting this way and this is very alarming. I need this information fixed and reported correctly to all the credit bureaus.
THis accout is reported 6 times late on all 3 bureus DEPT OF ED/AIDVANTAGE Acct # XXXX
|
| 10/11/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
The customer service reps continue to hang up on me for no apparent reason. Every time I contact them a different rep gives me different & incorrect information. They keep creating excuses as to why my Refund timeline keeps getting pushed back.
They claim that they do not have all of the information regarding my loan from the Department of Education. When I called the Education Department they said that Aidvantage should already have all of my loan information.
Advantage is intentionally causing delay for student loan refunds.
|
| 05/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a number of incorrect factors being reported on my credit report. Student loans are reflecting information that shouldn't be. Please verify data on each. I've disputed several times and it keeps coming back, by credit reporting agencies that the information on my credit report is verified. I know this is not accurate and would like a verfication and removal from credit report. Of course I could list all consumer protection codes/laws that protect me and my credit profile from this wrong data, but you already know each one.
|
| 11/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Aidvantage has been rejecting my student loan payments since XXXX of 2023. For each months payment I have received a confirmation of payment email followed by an email stating that they have not received payment. I have contacted the company several times, each time resulting in no response. I even tried speaking to a representative and when I finally reached someone they hung up the phone on me. Furthermore I do not want this affecting my credit score as I have not missed a single payment, they have just failed to collect them.
|
| 11/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
As directed by congress interest was meant to begin accumulating which began in XXXX this year, however, my loan site Aidvantage is saying I have missed a payment which doesn't match how often payments should have started back up for. Payments began in XXXX, I made my payments for XXXX and XXXX so far however, they're saying I've missed a payment which I know I haven't they double charged me in the month of XXXX and I'm upset as this is messing with my payments I have made so far and I'm finding this to highly unethical of them.
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've called multiple times to get the incorrect information resolved. They told me they would investigate it but nothing has changed. I personally DO NOT OWE ANY STUDENT DEBT! It's causing me a hardship. Also, there's different names and addresses that I've NEVER been associated with. I've reached out to all three credit agencies in XXXX and XXXX, XXXX and just recently in XXXX of XXXX with no avail. I can't get a place of residence because of it.
I want to seek damages from all three agencies due to causing me such a hardship!
|
| 03/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have applied for PSLF. I am cute let eligible under the waiver for full forgiveness. I submitted my paperwork XX/XX/21. I received notification that my employment was approved and the loans were to be transferred from my current servicer to XXXX, the PSLf servicer. It is almost 4 months later and nothing has happened. My loans are still with the wrong servicer ( Aidvantage ) and all parties have Nj answers as to what the delay is. Others have started the consolidation process recently and been moved to full forgiveness faster.
|
| 08/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
|
I want to ask aidvantage why ALL my student loans were not transferred from XXXX. There is around XXXX still attached to XXXX. I can't get a hold of advantage and why it seems impossible to log in. Are we returning to the days when we have a completely incompetent loan servicer? Everyone knows that the student loans are a complete and total mess so why isn't anyone fixing it? Get rid of thousands in student loans for people that work in normal everyday jobs that will never be able to pay them back. The system is broken- fix it!
|
| 10/11/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I called several times and was on hold for many hours. I was hung up on each time. I finally reached someone on XX/XX/XXXX. I requested a refund for the payments made since XX/XX/XXXX. The customer service rep told me they put the request in and I should receive my money in 4-6 weeks. It has been 6 weeks and Aidvantage keeps hanging up the call after placing me on hold for long periods of time. I have received no money from them or even an email that it has gone through. This is my money and they are refusing to give it to me.
|
| 12/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I received a letter in the mail dated XX/XX/XXXX. It states that I owe money from my subsidized loans that is due by XX/XX/XXXX. This is incorrect because payment on all my loans is deferred ( along with everyone elses ). In addition, it doesnt list any minimum amount due for my two unsub loans.
I was making payments earlier this year. I also had issues online trying to pay off only my unsub loans but it wouldnt let me pay the unsub loans without making payments to all my other loans. I decided to cancel all loan payments.
|
| 09/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Servicemember |
|
I called aidvantage last week to request a refund of payments made during the Covid relief period from XX/XX/XXXX to XX/XX/XXXX due to the president announcing student loan forgiveness for my income bracket and pell XXXX status. I also asked that my loan be put back into the offered Covid forbearance until XX/XX/XXXX. I have not received a refund of payments made and my loan balance is still at the same as it was before asking for the refund of payments. The only thing that occurred was that my loan was put into forbearance.
|
| 10/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Aidvantage student loan company was directly involved with my concern. I filed bankruptcy in XXXX included the student loans as part of the bankruptcy. I sent it out undo hardship letter to the bankruptcy court, and directly to the lender. My Bankruptcy was discharged back in XXXX as a dis charge. I read an article XX/XX/XXXX that Aidvantage bank was not granting Bankruptcy discharges as a matter of clearing the debt with the student loans. Per the instructions I needed to file a complaint. My student loans was {$81000.00}.
|
| 12/21/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On XX/XX/2021, I requested the original contracts and payoff amount for the student loans that are associated with my name, exchange for payment by XX/XX/2021. I did not receive a response. Therefore, I sent another letter extending the date to XX/XX/2021. I still did not receive a response. I have tried to get assistance from the credit reporting agencies ; they all have reported the information has been verified. I don't understand how they are able to get the information that I am not able to get in exchange for payment.
|
| 10/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I paid for XXXX student loan payment in XXXX. I set up autopay and when I did this, they said it wouldn't apply until XXXX, so I paid early. When I paid, I received confirmation that my next payment was due XXXX. They just took another payment out and overdrafted my account, and there is no way to get in contact with them. They do not answer their customer service line. People state online that it happened to them too, and it can take months to receive the refund. I feel helpless to do anything about this & it's criminal!
|
| 09/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I requested for a refund of all my federal student loan payments made since XX/XX/2020 per the CARES act. The amount refunded totaled to {$15000.00}. This refund was initiated and requested on XX/XX/XXXX, and from the customer service, they stated that it would take roughly 3-6 months. This is ridiculous, and I have not heard any sort of confirmation from them. I would like some sort of confirmation that my refund was requested and processed sooner, as it is ridiculous to have to wait 6 months for my refund to go through.
|
| 09/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
The status history I received from AidVantage clearly shows Forbearances on my account XXXX. These were forbearances forced upon me during periods of either unemployment or low-income. This is precisely what the AG Settlement with Navient is about. Per the Attorney General 's lawsuit against Navient, I should have been put on an income-driven plan. Somehow, Navient failed to provide accurate information about my loans to the AG and thus I have not received my due settlement. This must be corrected and updated immediately.
|
| 05/26/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I had Federal Direct student loans with XXXX XXXX XXXX. I have qualified for PSLF for 19 years. XXXX misled me on deference/forbearance/consolidation and lost many months I should have been eligible for qualifying payments. I have not heard from XXXX or XXXX XXXX about this legal situation. I now have all my Federal student loans with XXXX and updated my qualifying PSLF requirements. However, I believe that my student loan balance should be forgiven based on the new information discovered about XXXX business practices.
|
| 10/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
After trying to call Aidvantage for months and having to give up after waiting an hour on hold each time, I emailed them on XX/XX/XXXX to have them explain why my IDR payment amount was {$100.00} more than what the FSA calculator told me I should be paying. I never received a response from them, despite them telling me they would respond after two business days, and so I made my full payment as scheduled on XX/XX/XXXX. Today, my account is showing as past due despite the fact the money has already left my bank account.
|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXXXXXX I mail a disputed letter of no knowledge to debt to the requesting Agreement with the claimant Agreement the bears the signature which agreed to pay creditor Any insurance documents, Date original date of charge off/delinquency Verification that this debt was assigned or sold to collector.
Complete account of alleged debt I haven't received any of the documents listed above.
XX/XX/XXXXXXXX I resend another letter notarized and certified mail with USPS requesting for the documents of proof of debt.
|
| 12/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I submitted a payment for {$300.00} on XX/XX/23 to be autopaid from my bank account to begin to pay off my student loans. The payment was rejected. I deleted my bank account information and re-entered it, and submitted a one-time payment on XX/XX/23 for {$300.00} to be paid. This payment was also rejected. I doubled checked all banking and routing information and everything matched, so I am not sure why my payments are being rejected. Additionally, I contacted my bank and was told that no attempt for payment was made.
|
| 11/28/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have been trying to make payments on my student loans for almost 2 months now with aid-vantage. I gave tried to receive help twice only to be told that its a bank issue and that they can not find my account. Both those times i was on hold for almost 3 hours and i do not have the time to do that again. I even have emails from them saying the same exact thing. I have double checked my bank account information that i gave them and there is nothing wrong. Now I am having interest accrue on my loans that i cant even pay!
|
| 04/17/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A loan hit my credit is how I found out in a different state Some has used my identity for 2 student loans!! It also stated that the person went to school to get the loans! I asked the company how did someone get XXXX witout attending school they couldn't explain to me! I'm from Michigan. The person who stole my identity I believe it's a school in New York! I report it on my credit! They closed it then the school said it was my accounts! I never lived out of town my entire life and has been a victim of identity theft.
|
| 10/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I applied for the XXXX plan and did not get a notification of if it was submitted. There is no spot to enter my spouse student loan amount. Which directly effects the available discretionary income math for that plan.
Also, I paid my payment for XXXX and I am getting alerts of missed payments.
There is no way to contact them. The computer chat says it is too busy, their schedule a call is unavailable, and I have been on hold for 2 hours and can not get a hold of anyone.
This is unacceptable. I am doing my part.
|
| 10/07/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I called Aidvantage on XX/XX/22 to request a refund of payments made during the COVID pandemic forbearance period and have used the online chat function a few times to check up on the request. Currently we are over 5 weeks wait and today I was told that " We show that your refund amounts from XXXX are still being researched and totaled. No refund amount has been totaled. '' This means that the company has not yet put forth any effort to being the refund process from the US treasury after more than 5 weeks of waiting.
|
| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
The company aidvantage keeps sending me emails saying my payment was reversed and Ive tried to to pay twice now and both times got rejected. They say my bank account isnt correct but I checked with the bank and everything was fine on there/my end. Aidvantage is saying that I have delinquent payments now that arent my fault and their wait times for a phone call or or an email horrible. Two hour wait times are ridiculous for a student loan company as I do not have the time to waste 2 hours to not even speak to anyone.
|
| 10/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
I am trying to make my monthly payments for my federal student loans through Aidvantage. I attempted an on-time payment back in XXXX. I found out today that my payment was reversed by Aidvantage and it never processed. I tried another payment earlier in XXXX, but days later my payment was reversed again. I never requested a refund. I am trying to make my payment but Aidvantage wont let me. I have more than enough money in my bank account to make the payments, so I do not understand why I can not make these payments
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Aidvantage, Department of Education collection company looked in my credit from the year of XXXX and reported that I am four late payments behind. I have four different loans. As of the XX/XX/XXXX it was credited asif it recently happened. I called the company I told them about it and they can go back 7 years on your credit and report. I told them you didnt have power of attorney of my account and company didnt exist. I filed a dispute with experian they did nothing but say we sorry. My credit score went down XXXX.
|
| 04/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
We have a XXXX loan and a XXXX XXXX loan with XXXX different companies. My son has been paying on these loans since XXXX. The last XXXX years the interest was taken off, however, on all of our loans, We owe more now than when we started. What the heck is going on? We started out with Navient and XXXX. This year we were transferred to Aidvantage and XXXX. We never got a statement from anyone until this year. My son never stopped paying the entire time regardless of XXXX. How can we owe more now than when we started?
|
| 09/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My loans were fully discharged, and a credit balance remains that is supposed to be refunded directly to me. My account has been in a credit status as of XXXX XXXX. These accounts were removed from my credit bureau shortly after, but I still have not received the due refund. A refund remains in the amount of {$5300.00}. I reached out via email on XX/XX/2023 and was advised it takes 7 months from XXXX XXXX for my case to be processed. I also sent another communication on XX/XX/2023 but have not received a response.
|
| 05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
XXXX XXXX XXXX XX/XX/XXXX was chapter XXXX bankruptcy which included students loans from the Department XXXX XXXX XXXX XXXX surprisingly the courts approved XXXX XXXX bankruptcy to included my students loans. However were never removed off my credit report.
Second XXXX is still reporting negative marks off my information which I should be removed since XXXX.
Multiple companies continue to pull inqury every month without my authorization paylease please remove it opens and close inqury twice a month for 3 years
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I submitted disputes for student loan accounts that are reported on my credit report, but were discharged due to fraud by the school. The student loans are federal student loans that were discharged. All of these disputes went over the 30 days from time of receipt and I can also provide a screen shot of delivery from XXXX of when the letters were delivered. I am also including aidvantage in this due to the information not being removed from my credit report per documentation from them and also from studentaid.gov
|
| 05/26/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act. the below listed account has violated my federally protected consumer rights XXXX XXXX XXXX account # XXXX My student loans are showing that I am 90 days late on my credit report but my loans have been in forbearance for four years while I go back to school.
15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate
|
| 03/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am disputing this account according to the FCRA for reporting incorrectly. I have asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original Ink signature. I am requesting the reporting agencies to correct this account to report paid as agreed with no late payments and/or remove it. I've sent the original dispute 6 months ago with no response. Yesterday XX/XX/22 I sent a certified letter as proof they are getting the mail and request.
|
| 02/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I have had student loans since 2000. It has been a struggle to pay them. My interest has racked up making it double what I initially owed. {$35000.00} loans are now {$70000.00}! Even during the pandemic XXXX calls constantly. They never allowed me to not make payments even though it was a federal mandate for all student loan borrowers. The debt is overwhelming and I don't agree with all of the fees they keep assessing on these loans. I'm not sure how to proceed with this or what to do. They are nasty to talk to.
|
| 11/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/ I attempted to make a payment total of {$320.00}. The payment was received and reversed on the same date without notice. No payment was made and no notification was sent that my email that the payment reversed. On XX/XX/ I checked in on my payment status and noticed my XX/XX/ payment wasnt completed. On XX/XX/ I attempted to make an {$640.00} payment, again the payment Was received and reversed on the same date without notice. The process is setting me back on payments while they continue to increase.
|
| 10/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Regarding Aidvantage : On XX/XX/23 I attempted to make a payment of {$9000.00} which ended up having a payment reversal. I made sure my bank details were correct and even tried using a different account on XX/XX/23 to make a payment and that was reversed too. Both times I received email confirmations of my payment and at no point did I receive any notification that my payment had been reversed. There is also no information telling me what went wrong with my payments so I have no idea how to resolve this issue.
|
| 12/12/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I requested a refund from AidVantage, per the CARES act on XXXX XX/XX/2022. My balance, originally {$1800.00}, was updated to reflect interest charges that were charged to me during the payment pause when XXXX XXXX interest was supposed to be charged. My new balance is {$2100.00} which is completely negligent of Congressional mandates and abusive.
Today I received a check from the Treasury for only {$660.00}, which certainly does not cover the original payments made of XXXX. This feels like fraud and abuse.
|
| 05/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I applied for loan forgiveness for XXXX University and XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX was part of a lawsuit and lost, I was told that I qualified for loan forgiveness as I fall into the category of the lawsuit. When I call to check on my application I always given a different timeframe, first I was told 30 days, then I was told 3 years, and the last phone call I was told by the end of XXXX or XXXX I would have an answer. Every time I call I'm told something different and I don't know what to believe.
|
| 02/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
In 2011 I was given XXXX bad loans to attend XXXX university which was overcharging students to attend. The loans have been on forbearance due to high total of loan. I was forced to withdraw due to unable to make payments while in school and have been left with {$17000.00} in student loans.
I have filed for my loans to be dissolved and handled by the lawsuit by th cfpb and XXXX regarding for profit school.
They show late payments on my credit report to all three bureaus which has lowered my XXXXredit score
|
| 03/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My federal student loans were originally with XXXX as my servicer then they were transferred to XXXX-my loans now show a {$0.00} balance and no one can tell me what happened. I don't know if XXXX cancelled them-I just don't know what is going on and everytime I call Aidvantage I get the same response, no one can tell me anything. Even when I call my calls are redirected. I want to start making payments but I don't even know what I owe or if I owe anything. I called XXXX and they told me I don't owe anything.
|
| 09/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Ive been attempting to pay my loans for the last several months but every time Ive made a payment it will process and say accepted for 2 or 3 days then it will say payment reversal. Ive attempted to contact customer service NUMEROUS times but have never once gotten a person to talk to, even after being on hold for hours. Im just trying to make some XXXX payments and dont know what I have to do. I need help bad because now Im paying with interest but the reason Ive been paying early was to not pay interest
|
| 10/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I recently graduated during the XXXX XXXX XXXX. I am trying to set up an Aidvantage account so I can begin the repayment process. Whenever I try to register for an account, I receive an error message that the information I am putting in does not match the records at Aidvantage. I checked my information through studentaid.gov and all of my information ( social security, phone number, email, birthdate, etc. ) is correct. Rather than go through Aidvantage customer service, I chose to submit a complaint here.
|
| 04/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I get {$75.00} paid on my behalf from my employer through XXXX. Twice now, Aidvantage has not posted the amount on my loans, but by the record on XXXX, this was paid on XX/XX/2022 and XX/XX/2022. I looked at the history in Aidvantage and they show an amount of {$0.00} paid. I could understand the XX/XX/2022 payment not being fully processed after only a week, but the one for XX/XX/2022 is another story. Considering they'll charge me daily interest when the CARES Act stuff expires, this is a major problem.
|
| 06/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I tired to contact XXXX XXXX XXXX. Sadly the school closed down long time ago, to report that I was not the person those loans were handed to! I did some research and found out this school was a fake! They did not stay open long. The schools was in XXXX XXXX as stated firing the student loans account representative.
This is terrible especially for my credit. I think it was back in XXXX or XXXX. I was living in XXXX expecting with my XXXX child. Its scary how someone was able to get funding in my name.
|
| 12/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I was sent a billing statement from advantage, my federal student loan servicer. But my loans were in a graduation grace period which eneded the same month covid forbearance began and have been under covid forbearance since than.
Aidvantage is saying I owe a payment starting XX/XX/XXXX but my loans are under covid forbearance until the expiration of the the ongoing covid forbearance extended by the XXXX administration.
They are trying to be misleading and say that forbearance is only until XX/XX/XXXX.
|
| 06/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
First this account was opened with XXXX XXXX and moved to department of education and now with XXXX XXXX which neither one of these agencies have my wet signatures of a promissory note from both parties and should not be reporting on my credit report and have sent XXXX letters and no response. The original school of loans was closed and sued for defrauding the us government and school was doing illegal things and had to pay and be closed down and now I have lost credit hours and money in this situation
|
| 05/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid off a loan with aid advantage for {$1900.00}. I received a receipt showing paid off. But they never updated with credit bureaus. I asked them to update. They closed the account then re opened the account showing a full balance still. I disputed with the credit bureaus and sent them pay off information and they are stating that my pay off receipt is insufficient and the credit company confirmed my balance was not paid off. I have bank records and receipts from loan company showing it was paid off.
|
| 05/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Aidvantage XXXX XXXX XXXX XXXX XXXX have a copy of my bankruptacy petition and the discharge from aboiut two decades ago and thei can't tell me if the amopunts on my credit report are accurate.
I went with the consolidation under teh Obama Administration and loans were consolidation. I had and have no idea if loans covered by the bankruptacy are removed.
I am getting no assistance but I know the numbers are likely wrong and I am struggling getting information from teh National Student Loan Database.
|
| 12/14/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/XXXX of 2022 I asked for a refund of the payments I made on my student loans during the forbearance period. I asked for the entire amount I paid during the forbearance period to be refunded. They said it would take XXXX - XXXX weeks. I sent another email in XXXX and they responded the time period can take XXXX weeks. It has now been XXXX weeks. I need the money and this should have been taken care of by now. I also called and requested the refund in XXXX.
Thank you for addressing this matter.
|
| 03/27/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
After XXXX transferred my loan to Aidvantage, I proceeded to do my taxes. It wasn't until I received my 1098 that I saw that my loans were charged {$7700.00} in interest for 2021. My federal loans are supposed to be zero interest during the federal student loan forbearance. I'm not supposed to be charged this interest. My loans are in good standing. I should have this money credited back to my current loan balance. Since my loans are no longer serviced by XXXX, it was suggested that I make a complaint.
|
| 08/30/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have tried to call Aidvantage customer service to cancel a consolidation loan application for 5 days straight. I have sat on hold for a total of XXXX hours. I have emailed them and have not heard back. I requested XXXX call backs. They will call me back and put me on hold. I have yet to speak to a human being. According to their website, this is the only way to cancel my application. The latest call back was scheduled for 24 hours in advance and they still put me on hold. I can not resolve my issue.
|
| 11/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
My mail address was changed XX/XX/XXXX. The servicer I have now is not the original loan holder. They have my email and phone number to verify info.
My bill for XX/XX/XXXX was received 2 weeks late. My bill for XXXX was received several weeks late. I also questioned the rep about part of loan being forgiven due to attending the XXXX XXXX XXXX. They stated I was still responsible for paying the bill on time even though they never contacted my email and just kept sending invoices to the wrong address.
|
| 09/29/2022 |
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 |
|
|
Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.
|
| 12/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
My loan processor was switched from XXXX to Aidvantage. As the commencement of the COVID forbearance was ending I wanted details about my loan. when trying to get details. no one could provide me the dates interest started incurring on my account. No dates were able to be given, no details of charges were able to be given, and my status as an active student was no in the system. Mid school year I have been incurring daily interest with no details or established repayment process. Super unorganized.
|
| 08/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
This is a student loan from XXXX that was placed in deferment several times before being " Paid in full '' in XXXX.
My XX/XX/XXXX credit report incorrectly shows several late payments for this student loan when they were in deferment.
My credit report also shows the Dept Of Education/ Aidvant account listed ( 5 ) five times under different account numbers. I only had one student loan and it was paid off as agreed. There should not be 5 accounts reported to my credit profile for 1 student loan.
|
| 09/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Currently on +1-hour automated hold with XXXX. Have been trying to reach a person on the phone for weeks to no avail. It is not immediately evident how to do a loan payoff on the site.
On XX/XX/23 I was able to get an automated message that I have until XX/XX/23 to do a payoff of the full amount, however no instruction was given on how to do that. It is XX/XX/23 & they have been accruing interest on my loan since XX/XX/23. This seems like intentional negligence to drive up interest for profit.
|
| 04/12/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Contacted Navient.com customer service rep after receiving text of account delinquency.
Service rep unable to answer question of my account relation with AidAdavantage.com payments. My request to speak with a supervisor resulted in being placed on hold for unreasonable amount of time. Never spoke with a supervisor.
Made a pyment today in the amount of {$100.00}. Noticed a fee of {$1.00} for late charge.
How is this possible if the Federal government has placed student loan payments on pause.
|
| 01/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My loans were held with XXXX from XXXX. During this time, I was Never told about PSLF, or put or offered and IBR plan. I was put on a graduate plan and then in forbearance. This was proven in the lawsuit, however, paying the borrower a check for {$260.00} will not help with almost three years of payments that could have counted for PSLF waiver.
The forbearance periods all need to be counted retro back to 2007. So much forbearance steering took place. XXXX is a prime example and did this to me.
|
| 09/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
On XX/XX/23 I applied for auto payment to receive the 0.25 % interest rate reduction.
I have 13 individual loans with Aidvantage. Only 1 of the loans had the auto payment request processed.
I have reached out on multiple occasions ( on XX/XX/XXXX, XX/XX/XXXX ) via the inbox method and by phone call on XX/XX/XXXX to check on the status of my auto payment application and it has not been resolved.
Loan interest is now accruing without the auto payment rate reduction almost for an entire month.
|
| 11/01/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have called Aidvantage after receiving no communication from them regarding my loans being transferred to them from XXXX. They still have not set up my account and are now handling my refund request according to XXXX. When I called, I was told XXXX is still handling the refund which seems to not be the case, however I still can not log into an Aidvantage account to receive or check on any updates regarding this issue, and the employees do not seem to know what is happening either when I call.
|
| 09/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
Requested refund of student loan payments per CARES Act. Aidvantage indicated that the timeline for a ( direct deposit ) refund of {$3300.00} would be 8 weeks. There has yet to be any documentation providing the status of the refund or that a refund is being processed. The extreme timeline for a refund, paired with the XXXX tracking or visibility is unreasonable. Also, two loans still show balances, but have actually been discharged through Borrower 's Defense as per the studentaid.gov website.
|
| 08/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I am a XXXX currently. I will be until XXXX, XXXX which is when I graduate. Currently studentaid.gov shows I have an " Unsubsidized Loan - XXXX University '' with a " SCHEDULED REPAYMENT START DATE - XX/XX/XXXX ''. How can this be? After waiting 41 minutes on hold to speak to somebody at Student Aid, I was transferred over to Aidvantage at their XXXX number. It's been over 57 minutes now and nobody is picking it up. This is a complete waste of my time and shows a lack of respect for students.
|
| 10/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
On XX/XX/2023 I sent in a request to view other plans after having been enrolled in the SAVE plan. The website will not show me other plans unless I cancel the SAVE enrollment for a fee, and I may be charged a difference later if I reenroll. The payment for income-driven repayment is {$960.00}, and my original payment that was not on an income driven plan was {$650.00}. I can not afford to make this higher payment, and I have had no response from Aidvantage regarding my email in over a month.
|
| 10/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I want to switch to the XXXX plan. I can only get to a certain point in the process before I am told I must call in to them and can not complete the process online. I have been on calls longer than an hour hold only to be disconnected. I have sent multiple emails that note reply in XXXX business days ; its been weeks for each attempt. The chat line notes that it is inactive. There is no way to communicate with this company to accomplish what I need to do, which is to switch my repayment plan.
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I attended XXXX XXXX XXXX and was never able to use the degree because the school was not considered an accredited institution for the government jobs I applied for. In XXXX, I enrolled in another institution-XXXX XXXX to further my education and obtain a XXXX degree but during my last term was told that my financial aid was exhausted, so I never received my degree and I now have over $ XXXX in student loan debt and continue to be denied for any housing loans and jobs that require a degree.
|
| 11/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I am currently enrolled in school, so interest should not be accruing on my loans since they are all subsidized and I should not need to make any payments. However, my autopayments began on XX/XX/23. I contacted Aidvantage about this on XX/XX/23. Their automated reply promised a response within 2 business days. I am afraid to stop paying in case this affects my credit score. It is now XX/XX/23, and I have received no response from Aidvantage at all. My loans were previously managed by XXXX.
|
| 01/17/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I previously reported the loan servicing for not doing what theyre supposed to do on my credit report however, they want to claim that the debt or balance is still there. However, these loans have been discharged. There is no more debt or balance to be owed and XXXX XXXX keeps fraudulently reporting. They need to fix this issue or they will be litigation. This is not going to continue and I will not continue to be financially harms by XXXX XXXX for them not doing what theyre supposed to do.
|
| 09/27/2022 |
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 |
|
|
I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
|
| 10/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My student loan processing company -aidvantage has put the debt of some of my student loans into other student loans that have a higher interest rate. This dropped my credit score, as it appeared that I took out additional debt on those loans, and I was charged interest at the higher interest rate. This has been going on since late XXXX and it is now XXXX. Many phone calls and emails have been filed on my end, but the company is doing nothing except charging me at the higher interest rate.
|
| 10/23/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I want XXXX XXXX 2009 When I signed up for school they told us prior to starting that the school would be accredited and when we graduated that we would have work that they would we were guaranteed a job after graduating and becoming XXXX XXXXt we never got a job none of us and the school was never accredited so all that hard work for nothing now we all owe school loans I never got the job and all that hard work I did thinking that the school was accredited the school was never accredited
|
| 10/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have mailed letters to The Department Of Education Default Resolutions Center as well as Aidvantage demanding verification of the information they are reporting on their platform. The account does not belong to me and they have not proven it to me. I have given the companies a 30 day response time.
Regarding two XXXX XXXX accounts disbursed in XXXX, I have no knowledge of these accounts and does not belong to me and have therefore asked for this information to be deleted immediately.
|
| 10/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Servicemember |
|
AidVantage, my loan servicer, has placed my federal student loans into " Administrative Forbearance '' without my consent or permission. I am accruing interest on the balances during this forbearance that I did not apply for. Typically, during an administrative forbearance, interest rates are set to 0 % and loans would not accrue interest, however, my loans are accruing interest.
I did not request nor provide permission for AidVantage to put my loans into an Administrative Forbearance.
|
| 12/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
After multiple emails back and forth trying to get clarifying information, I submitted a request for a refund for payments made on my student loans to Aidvantage on XX/XX/2022. Since then on multiple occasions I have asked for an update on my refund and been told it is still processing, despite having submitted this request over 7 weeks ago. I made XXXX payments during the student loan payment freeze, XXXX of which was a payoff payment and have not received a refund for either payment.
|
| 08/12/2022 |
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 |
|
|
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
|
| 11/07/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Requested refund for payments made during XXXX XXXX XXXX had to wait for loans to consolidate late XXXX when I made Request aidvantage told me the refund was approved XXXX and would receive in XXXX to XXXX weeks since then no updates til I called this morning XXXX and they just now told me after XXXX weeks that I wouldn't get refunded because the payments were made before consolidation didn't know they had to be!!! Anyway misinformed all across the board!!!! No communication at all!!
|
| 09/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have been given three different monthly payment amounts for when payments restart. Between the dates of XX/XX/XXXX and XX/XX/2023 I received communication for the following amounts, one for {$340.00}, one for {$190.00}, and one for {$400.00}. When I called to check the status of my IDR plan, they said they did not have that information and to call back the next week. When I called back they still didnt have any answers for me and I said to apply for the XXXX IDR for a second time.
|
| 08/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
Servicemember |
|
XX/XX/2022 - federal student loan remains on pause, however according to my Aidvantage account I owe on all my loans as of today. Attempting to access email or online help is futile as it only asks you to log into account- which I already was - only to get stuck in a loop of logging in, No help, logging back in.
If I have to pay I will because I dont want the incompetent practices going on already jeopardize 10 years of flawless on time payments through XXXX - this is a disaster.
|
| 03/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I began calling Aidvantage on XX/XX/2022 and now as of XX/XX/2022, I have not been able to reach customer service on the phone. Each time I call the line disconnects when transferring to customer service. Aidvantage put me in a IDR program that makes my payment double the regular payment and they said the only way to fix it is to put the loan in repayment and call them back. Now that it is in repayment they will not answer their phone. XXXX XXXX keeps sending me back to Aidvantage.
|
| 10/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I made sure that my bank information was correct in my account with Aidvantage prior to the student loan mandatory repayments starting up again in XXXX. I received a confirmation email a few days ago that they had processed my first repayment- but when I went to their website, I saw an error message that I had missed my first payment. I have looked into this online and I've seen many people say that this problem with Aidvantage was only solved by filing a complaint with the CFPB.
|
| 02/19/2022 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Confusing or misleading advertising
|
|
Web |
Servicemember |
|
I attended XXXX XXXX as well as XXXX from XXXX to about XXXX between both schools I currently owe {$90000.00} in student loans. I havent been about to land a job with neither due to the school not being considered acceptable to a lot of different companies. This has really been hard for me as well as being able to even afford to pay the loans off. Can someone please help me with this issue! XXXX XXXX has closed down and has even made things worst for me when trying to get a job!
|
| 02/17/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On XX/XX/XXXX. I sent this to aidvantage who is formerly known as XXXX Department of Education loan servicing. This was sent through XXXX certified mail and they had received the document return domestic card on XX/XX/XXXX. The XXXX tracking information is XXXX XXXX XXXX XXXX XXXX XXXX. Today is XX/XX/XXXX. This corporation has been practicing non compliance towards me. It is past due and I'm filing this compliant to show. I contacted them properly and they have failed to comply.
|
| 10/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I submitted a claim for a refund of voluntary payments I made on my federal student loans during the covid-19 pandemic pause on XX/XX/2022 and still have not seen any effort made to fulfill my request. They keep telling me that its " processing '' but it has been several weeks and I should have seen my loan balance increase and the increase amount given back to me already. They seem to be sitting around doing absolutely nothing about my request for money that is rightfully mine.
|
| 08/12/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Aidvantage and XXXX have reported negative and adverse past due payment histories multiple times on all three of my credit reports. I was told that I was in forbearance, due to being unemployed at the time, and that my account would be in good standing. My credit has been adversely affected by their fraud. I have copies of all three credit reports would really appreciate any help I can get, as I can't buy a house, get a loan, or anything. Thank you in advance for all your help.
|
| 09/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I transferred my student loans from Aidvantage to XXXX, and more than 6 months after transferring my loans, my credit report still lists my loans as double the amount - every loan that I have with XXXX is still also listed as a separate loan for the same amount with Aidvantage. I have tried to contact Aidvantage, but it is impossible to get through to them via their customer service line, being on hold for over an hour is not acceptable and I need this problem corrected ASAP.
|
| 03/23/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
They keep reporting balance decrease and balance increases on my credit report. Showing balance decreased by so so and yet I didnt make any payments. & then following month they increase by that decrease to hurt my scores.
Currently I also paid off a few loans and they still have it showing as open with balance. I disputed with the credit bureaus and they kept sending info that the information is correct. They arent updating to credit reporting agencies correct information.
|
| 12/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I submitted a refund request with them XX/XX/26, hours after they announced the refund policy for student loans. Due to their fault, I was told that there was an error in the previous refund submittal, and they would need to process this XXXX. I have called numerous times and have gotten no clear update as to when I would be receiving the money that is owed to me. I, and many others are very frustrated with this process. I would like to receive my refund as soon as possible.
|
| 03/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My student loan servicer hasn't been reporting my payments to the credit reporting bureaus since before XX/XX/2021. I called XXXX, now Aidvantage, and they told me they report monthly but they aren't reporting. I have continued making payments every month despite the student loan payment freeze. My balance is being reported as {$19000.00} when in reality I have paid it down to {$17000.00}. I can't confirm specifically when I spoke with XXXX or Aidvantage but it was recently.
|
| 11/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I made 2 separate payments to aidvantage to start paying my loan back and both payments keep getting reversed. They told me that I need to reach out to my bank because they cant find my account which is incorrect and my bank states there is nothing wrong with my account and that all of my other payments for other bills dont have an issue so its something on their ( aidvantage ) end. I contacted aidvantage again and they keep saying that they are unable to locate my account?
|
| 03/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have contacted aidvantage with a conditional acceptance on XX/XX/2022. With the tracking number XXXX I received notification that they are my new student loan servicer now instead of Navient. I have requested that they provide the original instrument of indebtedness in its original form between them and I. And I have yet to receive a response. It is close to going over the terms of the postal rule. I need the proof original instrument between us to continue its agreement.
|
| 11/27/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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|
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract a signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
|
| 11/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
maximus education / aidvantage is a garbage company, they refuse to switch my repayment place despite multiple attempts, each time you call them it takes over an hour to get someone on the line and then they are incompetent, give you wrong repayment information and do nothing with your requests, this company is basically a scam and there is a high likelihood they will mishandle your student loan because they are severely understaffed an not equipped to deal with borrowers
|
| 02/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
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XXXX amount {$2000.00} and XXXX {$250.00} and XXXX {$2200.00} and {$1900.00} at nativent school went out of business or closed down and they spent my information to some school that is called aidvantage that I do not have any Knowledge of or did not sign a conTrac with aidvantage I feel like it should be discarded off all my credit reports its stop me from been able to get thing. And I also been disputing it off my credit and I also contact to the school about this matter
|
| 04/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I took out student loans and have been charged absolutely ridiculous fees.
I was in school 2 years ONLINE and was charged over {$8000.00} for room and board, which I never had. I was an online student.
School tried to hold my transcripts stating I owed {$3000.00} more dollars to graduate.
Went to XXXX XXXX online to get my XXXX of XXXX XXXX XXXXXXXX Graduated in XXXX.
Loans have been sold multiple times and at one time 2 loans had 12 different companies owning them.
|
| 06/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, XXXXAidvantage has violated my federally protected consumers rights. on the following dates XXXXAidvantage has reported my student loans as late : XXXX XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, & XXXX I was in forbearance on these dates, At the time the Reps informed me that my forbearance would be retro back to my fist late and that i shouldn't have any late payments reporting.
|
| 09/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Hold times are over an hour to get to an agent. I requested documentation to provide to a mortgage lender explaining that the OSLA and Aidvantage credit lines showing on my credit report are the same loan and not from two different lenders. They failed to provide the documentation. I attempted to call back waited on hold again for over an hour then an agent picked up the phone and immediately hung up, making me need to call back again to request the same documentation.
|
| 02/08/2022 |
Yes |
- Student loan
- Private student loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
THIS IS NEW INFORMATION ADDED OF THE LIE I CAUGHT XXXX.
THIS IS NOT A DUPLICATE.
XXXX is in violation of 15 U.S Code 1681 by submitting and reporting inaccurate information to CRAs. Which is a FEDERAL VIOLATION.
XXXX LIED and said theyve deleted all information from my credit report, yet the documents Ive uploaded proved different. I AM THE NATURAL PERSON AND THE ORIGINAL CREDITOR. I did NOT give XXXX any permission to report this inaccurate information to any CRA.
|
| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
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On XX/XX/12 i completed application for recalculating my plan to XXXX which should cut my payment from XXXX something to XXXX. On XX/XX/12 it said it was received and processed. The website says it takes 15 business days to update. It has now been 34 with no changes, no notification, no end in sight. When you callt hey say it's a 15 minute wait and they will call you back, i wait almost an hour with no call back. I have to work, I can't wait on hold for several hours.
|
| 12/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XXXX XXXX XXXX XXXX, I contacted XXXX to request payment refund during pandemic. Nothing happened. And I called XXXX in XX/XX/XXXX again and was told my all information will be transferred to Aidvantage and I would get the mail from them soon. As of today XX/XX/XXXX, Aidvantage still don't have my information and I'm so frustrated. No one seems understanding what they do in Aidvantage nor XXXX and XXXX does not even answer the phone anymore. I don't know what to do.
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, and Dept of EDXXXXAIDVANTAGE XXXX has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
DEPT OF ED Account # XXXX XXXX Late Payment.
In accordance with the fair credit Reporting act XXXX Account # XXXX and, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late
|
| 09/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I tried to ask a refund of approx. {$4000.00} on Aidvantage. According to the COVID forbearance, any payments during the pandemic can be refunded. I tried to do just exactly this on XXXX XXXX and was told the refund would be credited back to my account on XXXX XXXX. There have been no notifications, or movement. I was told some emails would be sent but I never got anything. There should be a {$20000.00} credit by now, but it still currently stands at {$15.00}, XXXX.
|
| 08/27/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
My wife XXXX XXXX XXXX ) and I ( XXXX XXXX ) never received any correspondence from XXXX in order to qualify or receive our settlement reimbursement. We are both former XXXX loan borrowers ( federal ) and yet a state legislator we know received their check in the mail ( immediately ). It is clear that XXXX is not fulfilling its obligations to the borrowers under the settlement. Can you please help us retrieve this funding? It would be extremely helpful at this time.
|
| 10/23/2022 |
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 |
|
|
I am submitting this complaint because this organization is reporting outdated inaccurate information on my consumer report. This account is past the statue of limitations it has been reporting for over 7 years. 15 USC 1681 ( a ) states the banking system is dependent on fair and accurate credit reporting. This account is on my credit report as a duplicate account and it also is outdated I reached out to the company to resolve this information but I had no success.
|
| 09/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
Hello- Attempting to repay my loans that are held with Aidvantage and continue receiving an error message that my " bank account is closed ''. Attempted paying 4 separate times, with the last one over the phone, and still rejected. Can show proof of funds in the account as well.
Interest continues to accrue on the account as of XXXX, and I would like to retroactively reduce the accrued interest given this was an issue on Aidvantage 's part.
Thanks, XXXX XXXX
|
| 05/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My acct was with XXXX and I had a payment plan with them back in 2009. But I stop making payments because the school that I got the loan through which was XXXX XXXX ended up closing down and I found out that I couldn't use my certificate anywhere .Jobs and places was saying they needed more proof. so this have been on my credit all these years and now XXXX have sold my information to another company without my permission and they are calling me to still collect.
|
| 11/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I tried paying through my bank account in the Aidvantage XXXX, but my payments got rejected XXXX. It gave me a message saying " XXXX XXXX '' and that something with my bank account information was incorrect. I also tried to pay via phone, but I could not do so. I tried calling, and a representative said that they were unable to locate my bank account. My bank account numbers are correct, and no charges have been made to my bank account on behalf of the company.
|
| 10/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I wanted to make payments on my student loan prior to interest accruing so I made a payment on XXXX of {$83.00} and it was confirmed. I made an additional payment in XX/XX/2023 of {$130.00} and it was confirmed. I realized both were never processed from my bank account and they now state payment reversal. I tried again to make a payment on XX/XX/2023 of {$83.00} and the same thing. I dont know why my payments arent being processed and deducted from my balance.
|
| 12/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act U.S. DEPT OF EDUCATION/XXXXXXXX Account # XXXX, has violated my rights.
15 USC 1681 section 602 states I have the rights to privacy.
15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 10/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
|
I made over $ XXXX in payments on my student loans during XXXX forbearance and requested a refund from my servicer ( aidvantage ). They have not provided any documentation on when the request will be processed and have not provided proof a request has been submitted. They also do not tell me when my refund will be issued. There is no proof or evidence that they are processing my refund and have not issued my refund ever after 6 weeks since the initial request.
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account Reporting act XXXX Account # XXXX has violated my rights.
15 USC 1681 Section 602 States I have the rights to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
|
| 09/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I am supposed to be in loan deferrment but anytime I try and contact them I cant get anyone and emailing gets a full mailbox response repeatedly. They are demanding that I pay my loan but I am in school and shouldve gotten auto deferment. I also have no job so where am I going to get money to pay a XXXX loan?? I sent emails to the link provided and was told it is a tech line. Seriously? This company is ridiculous to try and work with. Defer my loans!!!!!!!!
|
| 10/13/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Dear Department of Education, In accordance with the executive action done by President Biden and the Department of Education XXXX am entitled to up to {$20000.00} on federal student loan forgiveness as a XXXX XXXX XXXX.
Given that, I am hereby requesting that the Department of Education completely discharge my federal student loan account that has a balance currently of {$16000.00} and report the account as having a {$0.00} balance to all credit bureaus.
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My student loan is being reported by two different loan companies that are reflecting identical amounts. The amounts are causing the balance of my student loan debt to double, which has negatively impacted my credit score tremendously. I understand XXXX is the new company to report the debt, however Aidvantage is still showing debt amounts. I am pleading for XXXX to reflect the correct balance in my student loan debt. Please remove the duplicated amounts.
|
| 04/18/2023 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
Several student loans was opened XXXX have disputed these loans XXXX XXXX XXXX and XXXXOne was on XXXX XXXX with Navient and DEPT OF ED/XXXX The amount is $ XXXXThe 2nd one is $ XXXX also disputed an account opened with XXXX XXXX XXXX for {$1900.00} last reported XX/XX/2023 XXXXthe original creditor was XXXX XXXX, I did not give them permission to give someone this information, The last one is XXXX XXXXXXXX for a credit card that was opened for {$250.00}.
|
| 11/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/XXXX I requested information and clarification on my SAVE plan as I had received multiple messages with differing amounts. One said my new payment amount would be {$160.00}, one said {$110.00}, one said {$0.00} starting XX/XX/XXXX. The actual amount that was due according to my account was {$420.00}. I reached out again on XX/XX/XXXX after giving more than the two business days they stated they would respond in and they still have not responded.
|
| 02/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I would like my loans to be included in the lawsuit for not being told about the income base repayment program for years and years leaving me with a crushing debt over my head. If I do ever get a good paying job, the loans will keep me in poverty for the rest of my life. I owe over 120,000 for a bachelor 's degree. I reached out to XXXX and no response and now they transferred everything to this new lender aidvantage so I really cant get any answers now.
|
| 08/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, and Department of EdXXXX Account # XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states i have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 10/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Aidvantage is reversing my auto pay payments toward my loans stating my bank number is invalid but they have taken two prior payments with my bank and now I have missed my due date. I have been told this issue would be resolved and it has not. If this continues it will ultimately impact my payment history on my credit score as well as increase the interest due. The company needs to straighten this out as I am not the only one experiencing this issue.
|
| 10/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I requested a refund of payments I made to Aidvantage during the COVID-19 student loan payment pause. The total amount is {$4100.00}. I requested this refund in late XXXX of 2023. Aidvantage told me it was approved shortly thereafter and that it may take 14 weeks to receive payment. I have not received anything. However, Aidvantage and dept of education both tacked the {$4100.00} back onto my student loan balance without giving me the refund amount.
|
| 09/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
|
I have applied for the XXXX program several weeks ago. I tried logging in today to see if my payment plan is approved but the app is down, the desktop site is down, and I have been on hold for over an hour with no response with customer service. Their lack of response is going to cause me to miss my payment period. I have tried on two other occasions to check progress of the application but the site seems to think they never received my application.
|
| 07/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I submitted a Borrower Defense Application in XXXX for XXXX XXXX and it was closed without reason. XXXX XXXX took me to court couple of years ago trying to sue me for {$6200.00}. The case was dismissed. If student loans paid this off.. why did they take me to court. They have been fraud from the beginning. Misleading and fraudulent. I am {$100000.00} in debt w student loans due to XXXX XXXX. They have stolen money from me and now I am fighting back.
|
| 10/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I had a loan from XXXX. I paid them in full. My check from work gets garnished and they wont send me a reimbursement. XXXX is blaming The Department of Education. The Department of Education is blaming XXXX. Nothing is being solved. Im getting the run around by both companies. And nobody wants to point me in the direction to get help or a reimbursement. My wage was garnished {$470.00} and I feel its unfair to me because i paid my loans off in FULL.
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My student loans were transferred from Aidvantage to XXXX. Aidvantage last reported in XX/XX/2022. The balance with Aidvantage is now {$0.00} because the loans were transferred to XXXX but my credit report is still displaying balances from Aidvantage. The balances are {$9300.00} ; {$20000.00} ; {$13000.00} ; {$53000.00} ; {$2900.00} ; {$1700.00} ; {$4300.00}. All of the balances with Aidvantage are {$0.00}. My student loans are currently with XXXX.
|
| 12/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I submitted the requested for the re affirmation form on XXXX and have not yet received the confirmation. Classes started XXXX and my account at XXXX university has a balance and a hold. I have called XXXX and spoke to XXXX managers and no one has been able to assist with getting this letter returned to me. I need this letter to get awarded XXXXXXXX XXXX for the year. I need this letter if not I will owe my school and will have to XXXX from school.
|
| 11/06/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/22 I requested a refund of {$8200.00} from my loan servicer Aidvantage. I have called on a recurring basis to check the status of the application. The refund request has been in processing for several months. I get the same message from customer service every time I call, just keep checking your student loan balance and then youll know your application has been processed. I would like some help with getting my application processed please.
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 states I have the right to Privacy. 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.
|
| 09/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act the Dept. of Education/ AidVantage, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 02/18/2022 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I attended XXXX XXXX XXXX and took out student loans. They promised to help find job placement but I never got a job in my field and now I am stuck with student loan debt that I can not pay back. I attended in XXXX and was out of work until XXXX then I started working part time doing shipment. Please help I beg you please. Im now working as a medical assistant and going to school to become a nurse but Im paying for all of my classes out of pocket.
|
| 06/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I was discriminated against national origin. The school held me back from XXXX XXXX and allowed XXXX of XXXX in from XXXX through now. I dont believe my student loans and debt is fair. Cases have proven that those XXXX XXXX pay three times more then me as an American. They also have Allies in other countries. I attempted XXXX because I found no way out. Ive been XXXX for XXXX years and want to finish my XXXX program now that I am healed by God.
|
| 05/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
In accordance with the fair credit Reporting act XXXX XXXX, XXXX XXXX, XXXX have violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi. *k purpose.
270
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Report Act, this creditor has violated my rights. Under 15 u.s.c. 1681 section 602, states that i have a right to privacy. 15 u.s.c. 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 11/11/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I requested a refund from Aidvantage for the payments I made during XXXX on XX/XX/2022 and they told me it was would take XXXX weeks. I called back a couple Weeks later and they told me it was approved by XXXX and processed on XX/XX/2022 and XXXX get my refund any day now. I called back a week later and they told me it would be an additional XXXX weeks, then when I emailed them today for an update they told me the request was just put in today.
|
| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act DEPT OF ED/AIDVAnt XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 05/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have student loans. When I was not able to make the payments, the servicer told me t go into forbearance. I told them I was on the Public Service Loan Forgiveness plan. I was assured that being in forbearance would not interfere with loan forgiveness.
I submitted my PSLF in XX/XX/2023. They say I do not qualify as I was in forbearance, I would not have chosen forbearance had I known this. The loan servicer agents gave faulty information.
|
| 09/05/2023 |
Yes |
- Student loan
- Private student loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as late for any purpose.
|
| 06/06/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX marked payments as late while they were in a repayment plan. They have promised multiple times to fix the " late payment '' error on my credit report and I see it still hasn't been done.
This is having an extremely negative impact on my life. If they do not remove it I will be forced to sue. I HAVE NEVER MADE A LATE PAYMENT BECAUSE IT WAS IN AN INCOME-BASED REPAYMENT PLAN. THIS APPLIES TO BOTH ACCOUNTS WHAT THEY ARE DOING IS ILLEGAL
|
| 04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account number XXXX, has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 12/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Attempted to contact my loan servicer, aidvantage, to request a refund on payments submitted on my student loans on XX/XX/2022 via a phone call as well as using their messaging system to request a refund. I was informed that it would take up to XXXX weeks to get my full refund of my requested refund and I have not received my refund as of XX/XX/2022.
I have attempted to contact aidvantage requesting an update on my refund with no luck.
|
| 03/13/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
XXXX I graduated with my electronic XXXX XXXX degree. I was promised help in getting a job afterwards. XXXX XXXX college helped with my resume but that was it. I still don't have a job in my field and it's XXXX. They broke their promise on helping to put me in my field of study. It was also not fully explained how I would owe XXXX dollars for my student loans.. The company I was with was Navient. I am now XXXX plus in student loan debt.
|
| 11/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Hello, I called multiple times today XX/XX/2023 because Aidvantage wrongly stated I owed extra monthly, which I paid but then it charged me twice. Now I have no money for my other bills and I cant get anyone on the phone to help me fix it! It keeps hanging up after being on hold an hour. This is atrocious. I submitted an email with no response either. They should be able to answer calls and get back to people when they steal your money.
|
| 11/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I made my XXXX student loan payments early and on time, under the SAVE program. I made the payment for the balance that was due. I checked my balance for my student loans and noticed the balances due increased. I emailed Aidvantage due to the fact that under SAVE program the balance shouldnt increase as long as I pay full balance due. When you try to call the hold time is long and calls hang up. I have received no response to my email.
|
| 11/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have bee trying to make a payment with XXXX but my money keep getting reversed back to me. I have checked my account and routing number but they are fine. I keep reaching out to the loan department but nobody ever picks up the phone. I will be sending over all the transaction the school has reversed as well. Now I'm about to be 3 months behind because of there system. Please help as I have tried everything except this.
Thank You!
|
| 10/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XX/XX/2023 I entered my bank info, it never left my bank account, so I paid it again on XX/XX/2023. On XX/XX/2023 I asked for the reason of my payments being rejected, they stated I was in fault for entering my information incorrectly. I gave them my information over the phone, still rejected my payment. On XX/XX/2023, the day I am writing this, they sent a rejection letter and I tried using my checking account instead of my savings.
|
| 11/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
A month before my initial payment was due, I asked the loan servicer ( Aidvantage ) to defer two parent PLUS loans while my XXXX was in school. After I submitted the form, I was told I would get an email confirmation and decision within 14 days. Six weeks later ( and three attempts later ), I have heard nothing from the service. It has not responded to email, and its customer service " call me back '' service has no available times.
|
| 09/12/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I was enrolled in a paramedic degree for several years. After taking many classes I reached a point were I was denied access to finish classes because of my criminal history from 10 years prior. I was told by the school I could no longer pursue my degree and had to switch. I am now in debt for classes I took that have no value and have to pay for them not knowing from the beginning I wouldnt be allowed to finish my degree I started.
|
| 09/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
These loans through XXXX XXXX were taken by ways of lying to me about tuition discounts and taken in full loads without telling me. They would charge fees for things I did not understand and also I am not able to get a job in a good career as advertised or did I receive any help doing so. These loans are supposed to be discharged through the group discharge. This was between XXXX to XXXX when I received my XXXX XXXX with the school
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b s creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 10/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XX/XX/XXXX, I paid {$2700.00} to one of my loans through Aidvantage. I had recieved a scholarship and wanted to get ahead on repayment. I made the mistake of allocating the funds to the wrong loan, a subsidized one instead of unsubsidized. There is no option to cancel the payment, redirect the payment, anything. Ive spent XXXX hours on hold so far. I just want to pay the right loan. Im still in college and I just want to be smart.
|
| 08/28/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I tried to make a loan payment and my payment was declined in error. I spent 45 minutes trying to make a call and once someone picked it up, they hung it up. The automated line even asked me to provide feedback on a customer service rep who never picked up the phone. If I can't pay my loans, I will be charged interest on loans unfairly that I'm trying to pay off. This will unnecessarily cost me money if not resolved immediately.
|
| 11/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Hello, I requested a student loan refund for {$10000.00} on XX/XX/XXXX with Aidvantage.
My student loans changed providers on XX/XX/XXXX ( XXXX to Aidvantage ). I called for updates on XX/XX/XXXX and XX/XX/XXXX to inquire about the status of refunds and received no helpful information or status. to my knowledge there has been no movement on this request. Tomorrow will be XXXX weeks since my initial refund request.
Thank you!
|
| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cann furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under a46.5k open end consumer credit plan as late for purpose.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Department of Education/ Aidvantage reported inaccurate information on my credit report. The accounts were removed from XXXX report because of the violation.
Aidvantage has still fail to remove the accounts on my XXXX & XXXX report which still are causing a reporting issues of inaccuracies.
By law everything should be reporting the same across all 3 bureaus.
15 usc 1611- false & inaccurate information willing & knowingly
|
| 10/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Trying to find out when my XXXX XXXX XXXX will be discharged and refunded. They are still collecting and it keeps me from using that amount towards my other loans while they maximize profits from interest. I have reached out to them and say just to put in forbearance which would just create more interest. Aidvantage not giving me any information and its been a year since the Development of Education sent email for discharge.
|
| 10/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I was approved for the new SAVE repayment plan in XXXX and received a new statement XX/XX/XXXX. On XX/XX/XXXX received message stating that I failed to renew my plan for the year. When I speak to a customer representative they can only tell me things like well this is probably what happened. I need someone to actually look at my information and tell me why my payment went from {$86.00} per month to over {$360.00} per month.
|
| 09/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have been trying to access my student loans for several weeks. I can not register an account with aidvantage because it tells me my ssn and/or dob does not match their records. I can not use the email/online tools to contact them without an account. If I call, the automated voice prompts me to go online for help. I am going insane trying to just be responsible and pay my loans. This is insanity and AWFUL customer service.
|
| 09/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have been trying to contact aidvantage for several days to get information about my student loan balance and some other questions. I have called numinous times. The hold time is over an hour, and when I am finally connected to a service rep. I am quickly disconnected.
The one time I was able to speak with a customer service provider 100 % of the information that was provided was false. Including the phone number to FSA.
|
| 06/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any
|
| 12/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid off the remaining balance on my student loans on XX/XX/. I reached out the week of XX/XX/, as I could no longer could log in to my account. It seems the blocked my access to the portal but sent no confirmation that loans were paid off and after 30 days, the student loans are still showing on my credit reports. I am waiting for the credit report to be updated before I apply for mortgage. They are dragging their feet.
|
| 10/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have student loans from 2007. These loans were given to me by Financial Aid and I didn't understand the process of the loans. Each year the balance and service provider has changed. I was taken advantage at the time I received the loans. I didn't understand the terms because I was on an academic scholarship. These loans were dispersed to me with no information on how they would be paid for. I was a teenager at the time.
|
| 08/09/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Aidvantage website doesnt allow for practical repayment options and drastically over complicated the process with the intent to deceive and swindle. They do not provide total interest payment info for any options and provide no regular payment plans. They do not take calls, they have a non functioning phone application and website. They are intentionally making it more difficult to repay loans to maximize interest gained.
|
| 09/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/23, I was approved through Aidvantage for an income-contingent replacement plan where I would pay {$68.00} a month. I just got an email on XX/XX/23 that they changed that to a SAVE program where I would pay XXXX XXXX monthly. I don't know how this happened. Maybe I applied accidentally, but now I can't get anyone on the phone and the chat app is shut down because it says they are too busy. I can't pay for this.
|
| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I requested my 3 disclosures to opt out of reporting my personal information to unaffiliated third party consumer reporting agencies, pursuant 15 u.s.c. 6802 ( b ), but they dishonored my request, sent me a copy of a promissory note. This is my second time notifying OSLA student loan servicing. They are violating my rights to privacy. They have no PERMISSIBLE PURPOSE to furnish my personal private information to the CRAs
|
| 10/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I requested a refund on XX/XX/22 and was told I would receive a refund within XXXX weeks. Called again and was told refund request was approved on XXXX.
Called back earlier this month and was told my request had been mistakenly sitting in queue with no representative handling it or processing it. Have called XXXX times since, so XXXX total. XXXX business days and no balance change ( Aidvantage ) and no refund received.
|
| 10/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have tried to make payments for my student loans to Aidvantage.com and they are continually reversed. The last payment to be accepted was on XX/XX/.
I have attempted to make an autopayment on XX/XX/XXXX for {$280.00}. I also attempted to make a payment for {$1000.00} on XX/XX/XXXX and another payment for {$1000.00} on XX/XX/. These three payments have all been reversed and the interest continues to increase.
|
| 01/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have called multiple times to check on the status of my refund. I requested back in XXXX for a refund of {$10000.00}. I was told it would take 8-10 weeks.
After 8 weeks, I called back and was told it was still processing.
As of XX/XX/23 I still have not received my refund from Fedloan Servicing and have had zero communication initiated by them. I have had to be the one requesting any updates or information.
|
| 11/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
I was with Navient student loan servicer for XXXX until XXXX when they were sued by governement. They moved me over to XXXX servicer. I have not received my debt relief from the lawsuit. My current payment is XXXX a month, and I can not afford to pay that. How do I find out how to get the debt relief from the lawsuit against Navient. I spoke with XXXX XXXX. gov and they gave me the CFPB number to file complaint.
|
| 11/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Loan Servicer : Aidvantage I tried calling multiple times in XXXX but have not been able to get through to a representative due to long hold times. I also tried sending message online back in XXXX and never got a response.
I applied to the SAVE program back in XXXX and it was approved through the federal aid site, but my loan servicer has still not provided any update on their end or updated my payment amount.
|
| 10/23/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I requested a refund from Aidvantage at the end of XXXX ( about two weeks ago ) and confirmed that I would be receiving a refund on all my loans held by them and would be getting the money in my account in 6 weeks. It has now been about 8 weeks and I can see the loan balance restored on my account, but I have not received a refund and I have not been given any clarity about how I would be receiving the refund.
|
| 09/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Dept of Ed/Aidvantage is reporting on my CR and have also included late payments that are not correct. Per the latest case Sweet v. Cardona. The XXXX XXXX XXXX University is on the list of schools in connection. Also Dept of Ed/Aidvantage does not hold a contract with myself and them. There was no written request for me to provide any permission to have this information reported on any Credit Reporting Agency.
|
| 08/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I am inquiring about my bankruptcy and my student loan debt. Back when I filed bankruptcy, I was told by the bankruptcy attorneys that student loans were not allowed to be put in your bankruptcy. I have had the same amount of student loan debt for over XXXX years. I have made payments for the full XXXX years and my balance has never gone down. Why wasn't this put into my bankruptcy? Was my attorneys at fault?
|
| 11/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
More than XXXX month ago, I submitted a forbearance application for my student loans to Aidvantage. I was told there would be updates to the status in a timely manner. Now, as the loans are coming due, there have been no updates. Furthermore, there is no online portal to monitor the status of the forbearance application, and the company has not responded to my recent request for an update on the application.
|
| 10/13/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American |
|
Dear Department of Education, In accordance with the guidance enacted by the Department of Education XXXX am eligible for {$10000.00} in student loan forgiveness given I currently have a Parent Plus Loan Account Balance of over $ XXXX.
I hereby request this be reduced by {$10000.00} and that all three credit bureaus be informed that the balance has been adjusted to be {$10000.00} less than it currently is.
|
| 10/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Aidvantage does not give an option to put extra payments on principle. They have stated it is not possible to do so in their site.
This leads to an unhealthy relationship with the individuals student loan and accrued interest. We as citizens should have a right to accurately pay our loans off with due diligence. The provider Aidvantage refusing an option to pay more on principle strips us from that right.
|
| 01/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights. Under 15 USC 1681 SECTION 602 states that I have the right to privacy. 15 USC 1681 604A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on an account open end consumer credit plan as late for any purpose.
|
| 05/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I previously contact the XXXX XXXX XXXX in the beginning of XXXX. I check the website state my student loans are discharged. However the loan consolidation balance is the same of XXXX. The loan numbers are XXXX and XXXX shows paid in full and discharge status.
I need an itemized statement for each loan including interest adjustments on each account. Please up dated the consolidation balance on account.
|
| 06/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Aidvantage student loan have agreed to take advantage of of my information by bating my data into an agreement of forbearance and have not proven identity of proper procedures.
As well as cred cards information show on my my credit that i have not consented to within the recent 6 months showing on my credit report.
automobile loan from more than 7 years ago which i no longer have showing on my report.
|
| 01/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have student loans with XXXX But recently XXXX sent my student loans to another server. XXXX has charge a lot of loans on me. I have over thousands of dollars in student loans and Im a low income student. I know XXXX is canceling student loans. Am I getting it canceled as well? Just a month ago they sent my student loans pro folio to another server. I couldnt understand why until now. What should I do?
|
| 01/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I need to know how the Permanent Standard Repayment Plan is calculated and I need to see the terms for the Permanent Standard Repayment Plan.
I requested how this was calculated in my last CFPB complaint, but they only provided details for how the XXXX plans are calculated.
I want to know how the Permanent Standard Repayment Plan is calculated and how many years the payment plan is intended to cover.
|
| 09/08/2022 |
Yes |
- Student loan
- Private student loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am a concerned consumer and I am aware that Dept of Aidvantage may be infringing upon my rights to privacy by violating the Fair Credit Reporting Act according to the Gramm Leach Bliley Act 15 USC 1681a ( 2 ) I, consumer have the right to opt out of any and all consumer reportings and as of today, XX/XX/2022 I am exercising that right to privacy and request to no longer receive these consumer reports.
|
| 02/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
From 2005 forward I incurred student loan through XXXX University. When you are recruited you are told of all the jobs and career options you will have once you obtain your degree. I have yet to secure a job utilizing my degree and have incurred an abundance of student loans. I have been able to get a forbearance but that doesn't help because the balance is still there and my interest is still growing.
|
| 10/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have tried contacting this company multiple times. I've emailed and called. I have received no response. XXXX sent over the information for my payment plan, yet they haven't updated my account to reflect the correct monthly payments.
Their customer service department is non-existent, and this is unacceptable for a loan servicer. Borrowers should easily be able to get in contact with the providers.
|
| 09/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Called AidVantage on XX/XX/18. After being on hold for an hour, spoke with a representative who would not tell me why my loan, after being consolidated, was being transferred to another servicer. Also would not help to cancel an IDR plan and switch to a different repayment type. Representative then disconnected the call as I was in the middle of asking a clarifying question regarding my loan transfer.
|
| 11/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Every month the Department of Education sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the ENTIRE pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month.
This is fraudulent and hindering my credit. That is a violation of my rights and my credit.
Unacceptable.
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
Advantage student loans is on my report twice called the company and they have no records under my name or social they told me to call the national student loans called them they have no records of any student loans on my name either the first one on my report is for {$3900.00} it has no monthly payment on in and both where open the same day please help me remove this from my report thank you so much
|
| 01/19/2022 |
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 |
|
|
I have one 90 day late payment on this account which makes no sense because I have had a positive history. This remark is hurting my payment history and ability to purchase a home. Each time I dispute they say it is verified or updated with no explanation or proof on how the information was verified. I have also wrote XXXX and they never replied. I want this removed off my credit profile immediately.
|
| 07/27/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Maximus, inc doing business as Aidvantage is continuing to report I owe a debt that is discharged. Maximus, inc accepted payment of this debt obligation and as the indenture trustee XXXX XXXX XXXX XXXX XXXX had the duty in ensuring my security was properly handled. Under the Securities Act Maximus, inc and XXXX XXXX XXXX XXXX XXXX. or both in violation of federal law in the handling of securities.
|
| 09/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : Department of ED Amount : XXXX I am disputing this claim as the business is no longer in existence. This is my official request to have the aforementioned item to be deleted off my credit report.
|
| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.
|
| 10/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Aidvantage bought my loans from XXXX. My family and I have paid off the XXXX loans for the University XXXX XXXX and the last payment was made in 2021. Aidvantage has incorrect information and claims I owe them around {$40000.00} worth of University XXXX XXXX loans which is incorrect. They refuse to correct this mistake and have placed a negative item on my credit report which is impacting my life.
|
| 01/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I received a letter dated XX/XX/2022 from Aidvantage stating my federal student loan payments would resume auto debting from my account on XX/XX/2022. This is obviously incorrect as President Biden has paused federal student loan payments until XX/XX/2022. No response from aidvantage when I emailed them about it. They are not authorized to autodebit this amount from my account prior to XX/XX/2022.
|
| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 602 states I have the right to privacy 15 usc 1681 604a 2 also states a consumer reporting agency can not furnish an account without my written instruction. 15 usc 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
|
| 12/27/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
XXXX allegedly transferred my student loan ( Account # XXXX ) to Aidvantage. A payment is due XX/XX/2022. However, Aidvantage has not contacted me in anyway. Aidvantage and XXXX refuse to submit a bill for the XX/XX/2022 payment.
Therefore, since XXXX and Aidvantage can't get their act together. I hereby exercise my right to the Biden-Harris Administration Student Loan Pause through XX/XX/2022.
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
XXXX student loans is on my report twice called the company and they have no records under my name or social they told me to call the national student loans called them they have no records of any student loans on my name either the first one on my report is for {$3900.00} it has no monthly payment on in and both where open the same day please help me remove this from my report thank you so much
|
| 10/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I was charged over {$300.00} when student loan payments were paused after Aidvantage took over XXXX loans. I did not approve or restart automatic billing but Aidvantage charged me any way. I called to get my payment refunded and the agent told me they would return my payment in 6 weeks. After 6 weeks I called and they now have an automated message that says payments will take 10 weeks to return.
|
| 11/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Forged, deceptive invalid loan application and agreement not my signature, is my SSN, name, employer but not my address I never lived in CA, unknown references very forged signature, date of loan coincided with divorce and other trickery found fraud and other deception, other forgery, loan invalid void, paid through trust, servicer is ignoring fraud and consumer complaint against loan practices
|
| 04/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
XXXX filed bankruptcy following me attending the school. I did not acquire any credits and they are currently in litigation for bankruptcy court. I need to have my loan forgiven to help me purchase a home because I figured out early on that none of those credits transferred so they took my money and ran even though they did say they transferred. It was just a money scam from a so called school.
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hello- I have reached out to the credit bureaus, department of education and aidvantage. Currently at all 3 credit bureaus it shows that my loan repayment terms are " 4 months '' therefore my debt to income ratio is ridiculously high when applying for credit. Aidvantage told me that my loan time frame is for 25 years, therefore I want the whole repayment terms length being " 4 months '' fixed.
|
| 11/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
Hello, My name is XXXX XXXX and my social security number is XXXX. I was steered into foreberance/hardship when I was eligible for income driven payment plans when my loans were serviced by XXXX. This caused me to gain more than $ XXXX in interest to my student loan accounts. They were also placed back into repayment while I was still in school as a student.
Please help, Sincerely, XXXX XXXX
|
| 07/24/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Please stop calling my relatives and friends about my student loans. I need them combined and help with them. I was granted forbearance and they still said I was late in 2018 and are ruining my credit. I need all the old accounts off!! They are 20+ years old, I need the 3 that have balances to be combined. I need help paying them off, Covid hit my family hard and I can not afford to pay them.
|
| 10/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Nearly a month ago I requested a refund for payments made towards my student loans during Covid.
I have spoken to Aidvantage and they have not moved forward in regards to getting the refund issued. I have no updates, only that it is still processing.
I was told initially that it would take approximately 4 weeks for the refund to be issued, and I am no closer today than I was a month ago.
|
| 01/25/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Aidvantage is my new loan servicer. They sent me a notice dated XX/XX/2022 saying that I have {$120.00} and that it will be debited on XX/XX/2022. This is inconsistent with the current federal pause on student loan payments -- they seem to be planning to charge me a student loan payment despite those loans not currently accruing interest. This seems predatory and they should be investigated.
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX account # XXXX, has violated my rights.
15 USC 1681 Section 602 states that i have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 10/25/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Requested refund of loan payments made during pandemic under the cares act. First request was XXXX, rep said she processed it and would take up to 6 weeks. Called back on XXXX, rep said it was approved on XXXX and should see refund shortly. Called back on XXXX, rep said she will request refund and " expedite '' it.
Company is refusing to actually process the refund. What is recourse here?
|
| 10/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Aidvantage refused to accept my payment of {$200.00} on XX/XX/2023 ( payment due XX/XX/2023 ), it says there was a payment reversal. I tried emailing them, no response. I called, was left on hold for ages. They sent me a letter saying " NO ACCOUNT / UNABLE TO LOCATE ACCOUNT, '' I double checked and all my bank information was correct and I have enough money in the account to pay the loan.
|
| 07/29/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
About a year ago, I received a letter that my XXXX student loan, in my father 's name, was being taken over by another company called Aidvantage. When I stared paying the bill, the transaction still comes out of my account as a payment to " XXXX XXXX XXXX XXXX ''. Plus, the Aidvantage website appearance is almost just like XXXX. Is XXXX lying about my loan not being under their company?
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
Accounts were supposed to be in differed status, somehow there was a laps in deferral causing there to be a late payment on my accounts. I have tried reaching out to work on getting the late payments removed as my account has been in good standing for a long time but unable to get help, my student loans have changed providers multiple times it can be hard to keep track of the provider.
|
| 07/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
I moved from XXXX to XXXX and I was never notified if my loan status. I received a letter in XXXX stating that I borrowed $ XXXX and I was to pay XXXX for attorneys fees and XXXX in interest. I advised the company that I was not aware of this matter and they stated that there was nothing they can do. I moved to XXXX in XXXX of 2009 and this notification was sent 4 or 5 years later.
|
| 07/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I sent the CFO of Maximus Education LLC a 1099-C on XX/XX/2023 for the discharge of {$19000.00} in student loan debt serviced by Aidvantage. The CFO hasn't updated the account to reflect the discharge. The amount of {$19.00}, XXXX is currently displayed on Aidvantage 's website and the account should be zeroed out. Maximus hasn't notified me upon receiving my debt discharge paperwork.
|
| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have XXXX student loan accounts that said I was 90 days late on payment in XXXX of 2020. I was never late on payment because I was deferring all of my students loans at the time and it went straight to 90 days late. Ive tried to dispute these accounts and they have been updated to show good standing but that 90 day mark has never went away and its a negative mark on my credit score.
|
| 04/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I can not log onto Aidvantage website. I dont know much information regarding my loan balance or the switch from my previous loan service provider XXXX XXXX I have not received a call and only received an email from Aidvantage welcoming me to Aidvantage. I am not sure whats going on with my student loans. Not knowing any details about this and not being able to log on is a huge issue.
|
| 12/24/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I attend XXXX XXXX XXXX XXXX from 2011 and was unable to complete the program due to lack of resources. The school falsify certified my eligibility to benefit from its training and charged excessive loans. And in the following year, the school was closed due to fraud. I was aware this year that this loan could be discharge due to its lack of merit. I have already paid XXXX in loans.
|
| 02/19/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello, My loans are showing as having late payments. I found out when the mortgage company sent me my credit report. One loan has 5 late payments and all the others have one late payment reported. My loans were in a grace period or Administrative forbearance during the time the late payments are reported. I have attached the dates to this and also the information AidVantage sent me
|
| 11/04/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I requested a refund from Aidvantage for all payments i made on my loans from XXXX XXXX. They reinstated my loan balance on XX/XX/27, but they said it would take anyway 8-12 weeks for then to provide me the refund in my bank account. That will not work if that forgiveness is blocked, because then interest will kick back in and i still won't have my refund to pay my loan off again.
|
| 09/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Aidvantage ran a campaign that if you signed up for auto pay by XX/XX/23 that they would reduce all of your loan rates by 0.5 %. I did sign up for auto pay before that date and on XX/XX/23 they emailed me stating that my auto pay had been cancelled and my rates would not be reduced. I have tried to contact them multiple times since that date and have not been able to reach them.
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have contacted the original school and the wrong social security number was used. There is no account opened with my social thru this loan company. That has been sold. It was thru XXXX XXXX and now has been switched to 2 different companies since the school closed. XXXX XXXX closed. I have messaged the Fasfa and they can't find it in their system. Yet it's in my credit report.
|
| 05/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
XXXX Student Loan ( State SC ) - ( now loan moved to Aidvantage ) - I was mislead and told to go into forbearances. I owe {$71000.00} for a XXXX year in-state college ( XX/XX/11 ). This is an absurd amount. If there is anyway I can get or become part of the settlement. I was in forbearance as COVID-19 hit which is why I did not default on the loan. Any help would be appreciated.
|
| 11/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
Servicemember |
|
Overall, my student loans are more than my home. They say that I owe {$180000.00} + with my monthly payments being more than {$2000.00}. My monthly income is only {$3000.00}. There is no way that I can afford that monthly payment. I've been at my job for 23 years and have my income will NEVER increase to the amount to where I can afford to pay {$2000.00} + a month. I need help.
|
| 11/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I want to verify I am signed up for correct plan since I work for the state in public service sector. Have been throughout covid so want to verify I have been credit payments for that time. Called 5x hold times ranged from 30 mins to an hour before hanging up due to have to work. Now payments are late but I not comfortable paying until verifying I'm in right repayment plan.
|
| 12/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
My loan was transferred from my XXXX to Aidvantage in XXXX, they said account access would occur in XXXX, but they still are unable to find my account. I applied for a refund under CARES with my XXXX for {$10000.00} before they transferred, but it appears they will not have my account information to reapply for the refund under Aidvantage before the XX/XX/22 deadline.
|
| 10/07/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have requested a {$20000.00} refund on my student loans through Aidvantage on XX/XX/28 and still have not received confirmation of my refund. The company can not provide a timeline of when I will be receiving my refunded money as of XXXX. My account on Aidvantage and XXXX XXXX still have a zero balance listed.
I look forward to hearing how we can resolve this issue.
|
| 03/14/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I sent letters, which are attached to the Department of Education on XX/XX/2022 ; XX/XX/2022 and again on XX/XX/XXXX.
Please see attached.
This was not a dispute I stated I would make payment in full in exchange for the original instrument of indebtedness. I have not received what I requested nor have they contacted me in reference to the letters that have been sent.
|
| 04/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
When transferred to Aidvantage from XXXX, Aidvantage erroneously opt my account out of the COVID emergency forbearance without my notification. Aidvantage then issued delinquency notices after I did not pay on my student loans, which should have been in forbearance. I did resolve this issue on the phone with Aidvantage, after they acknowledge the error in their system.
|
| 10/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Older American |
|
I HAVE TRIED FOR OVER TWO WEEKS TO GET SOMEONE ON THE PHONE TO DISCUSS MY XXXX XXXX XXXX XXXX
I GET EMAIL BACK SAYING SOMEONE WILL CALL YOU BACK SOON ... .NO CALL IS EVER RECEIVED.
I JUST WANT TO PAY OFF XXXX XXXX XXXX AND DO NOT TRUST THE GOVERMENT OR ANYTHING ONLINE... I WISH TO DO THIS OVER THE PHONE WITH A LIVE PERSON.
PLEASE HELP.
THANK YOU.
XXXX A XXXX
|
| 09/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Aidvantage has incorrectly calculated my monthly loan payment, increasing it from XXXX XXXX prior to the freeze, to now XXXX XXXXXXXX with XXXX explanation. My income has not significantly changed. Additionally, they have been completely unavailable to get ahold of and I havent been able to connect to anyone to find a solution or exit the Income Based Repayment plan.
|
| 12/20/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
Servicemember |
|
I received letters that said I could get a deferred payment plan. I called the number they said I have to pay {$290.00} times and that would stop and start my deferred payment plan. I have not made the first payment but they will not call me back or take calls. My mother already did the deferment on my FSA but now we can not login the company changed my account login
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
XXXX Was taken XX/XX/2020 I tried going to my personal bank about getting this company my money back saying they worked with XXXX of my loans getting reduced.
Link used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The time of my loans were going through XXXX loans the frauds told me my money was going to that and I called my loans and they said they werent applied.
|
| 12/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Cares act refund requested in XXXX, called multiple times given conflicting information every time. Its now XXXX and looking like its going to be even longer potentially months before the refund arrives. Blatant disregard for the cares act signed into law and terrible customer service. This company is ill suited to service the federal government contract it enjoys.
|
| 11/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My employer was sending payments into initially XXXX - then later Aidvantage took the money- cashed the checks and applied none of the {$44000.00} to my account- the money has gone missing.
The loan was serviced by XXXX Even though the checks were made out to XXXX, Aidvantage just signed the checks and cashed them. Stole the money and didnt apply it to my loans.
|
| 06/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
there are XXXX " late payments '' shown on my credit report for student loans that were in deferment at the time. I have tried to dispute it through XXXX and XXXX but nothing has worked so far. It is affecting my ability to rebuild my score as that is my largest debt and makes it look like my payment history is bad when everything else on my report has been good.
|
| 06/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act Dept of ED/ AIDVANTAGE ( or formally XXXX ) Account # XXXX ( All 12 accounts ) has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 04/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
Hi to whom it may concern, I got a call from a person saying I have been approved for student loan forgiveness program. They asked me for my XXXX email address and then proceed to pressure me to sign up for a loan program. I didn't sign up because it started to sound suspicious and I believe that it is a scam. The company is called XXXX XXXX XXXX. Please assist.
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The following accounts are being shared with third party companies without my authorization or knowledge. No disclosures were provided to me to authorize or share my non public information and this is adversely affecting my livelihood. I am opting out of having my information being reported.
# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
|
| 11/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
From XX/XX/XXXX to XX/XX/XXXX I have made five payments to Aidvantage and they reversed every single payment. I called customer service and it takes forever to get an agent. When you finally do, they are incompetent to handle the situation I need help resolving this issue. Aidvantage is reversing payments for no reason. I am trying to pay back my student loans
|
| 10/31/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Navient was the company to collect my student loan, they had increase my debt double of what I had taking the XXXX. NAVIENT was sued because of what they have been doing to us student borrowers. Please can my debt be considered paid off, due to Navient trying to abuse of us student borrowers my email is XXXX to give you more information.
Thank you XXXX XXXX
|
| 10/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
XXXX XXXX was removed from paid ahead status but the SAVE payment calculation is incorrect. My original save payment calculation for that loan was XXXX but aidvantage is currently reporting that I will owe XXXX under SAVE.
this is incorrect- the XXXX is what I would owe if I were on the standard repayment plan.
They refuse to update the payment amount due.
|
| 09/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I received an email XX/XX/19 informing me of a Change in Loan Terms. I have an IDR that I agreed to in XXXX that set the payments at about XXXX a month. It was going to be difficult enough to rearrange my finances to pay that as a XXXX XXXX, but they jumped they payment up to XXXX. Whats the point in providing options for repayment then just taking it away?
|
| 12/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My loans are paid to date and nothing is outstanding on my Aidvantage account, but the US Department of Education sent emails on XX/XX/23 and XX/XX/23 saying my loans are past due. The emails also suggest alternate loan repayment options which arent needed at this time. It appears Aidvantage isnt properly reporting my account balance to the US Dept of Ed.
|
| 10/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I am repaying my federal student loans through Aidvantage. They didn't take my payment in XX/XX/2023 and didn't take it again in XX/XX/2023. I tried calling them, was put on hold and no one answered. I have my bank account number and routing number correctly added as the payment method. Aidvantage is not accepting my payments and is charging me late fees.
|
| 11/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I requested a refund of student loan payments of ~ {$19000.00} made during the COVID-19 CARES act period from Aidvantage on XX/XX/22. Aidvantage has not issued any refund related to my request and has not provided any update as to why that is the case. I have attempted to contact them on five separate occasions to no avail and have not received my refund.
|
| 04/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
UPDATE : I have sent this company several affidavits and they have yet to respond. I received a call today saying that my Loans are about to be in default. I am trying to understand how that is possible when the company has not answered my dispute and they are also still reporting on my credit report with out providing me with the information I asked for.
|
| 10/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Have been trying to speak with servicer ( Aidvantage ) for days at their phone number ( XXXX ) XXXX. Issue is that no matter the time of calling, no one answer the calls. You can see in social media websites other affected people with the same issue. Reason of calling there servicer is to apply the SAVE IDR plan made available by de Biden administration.
|
| 09/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The current administration wiped off my credit history once it automatically updated my account with the Dept of Edu student loans. 17+ Years of history dropped down to a few months. I didn't ask for that to happen and I didn't know it was going to happen. Due to the inaccurate reporting of student loan history, my credit score has dropped substantially.
|
| 04/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have an account for student loan o never signed a contract with XXXX and the school I went to was never accredited so it was pointless had to go to another school to get a real license I think once XXXX XXXX was sold the loan isn't my responsibility anymore and again the money I paid while in school where did it go because again I never got a license
|
| 10/25/2022 |
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 |
|
|
AidVantage is my loan servicer and I have 3 active accounts and multiple closed and tranferred accounts with XXXX balances on my credit reports. I requested to have them removed and AidVantage and the credit bureaus will not removed they are considered verified. I requested the closed and transferred account be removed only not the 3 current accounts.
|
| 09/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I went to make a payment of {$24000.00} on XX/XX/23 and got a confirmation email from my company AidVantage. The payment was posted on my account and then a few days later there was a payment reversal from the company and the balance was added back to my loan. All of my bank account information was correct this is an issue a lot of people are having.
|
| 07/23/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I asked aidvantage to clarify if loans and Financial aid were synonymous and on XX/XX/2022, they replied. within that response they said they were on behalf of the Department of Education and the loans that they had gave me. I sent a response back asking for more clarification. loans are from financial institutions and XXXX was found to be an agency.
|
| 11/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/2023, XXXX sent a payment for {$160.00} to Aidvantage. Aidvantage claims to not have it. I opened a research request with XXXX and received confirmation that the payment was sent. Aidvantage claims they do not have it.
When I call support to follow up, the wait times are 1hr 30min + and I can not get a hold of anyone to refund my payment.
|
| 04/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I recently accessed my credit report, I am panicking. My XXXXedit score has dipped drastically. I checked my credit report and it shows my student loans listed twice! One for AidVantage and one for XXXX. I was told my loan was transferred but it is showing up for both.
How can I fix this? I can not even get approved for a car loan now.
Please help
|
| 01/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have received XXXX mail notifications that I owe a bill for my loans to Aidvantage on XX/XX/XXXX. The XXXX administration extended the pause until XXXX, XXXX, so why is my lender lying to me? In addition, I was in deferment during graduate school and I just graduated in XX/XX/XXXX, and Im supposed to be given a XXXX month grace period regardless.
|
| 10/26/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My student loan servicer changed from XXXX XXXX to Aidvantage, and I am attempting to apply for the PSLF waiver. I have never missed a payment since I graduated in 2015, but in using the PSLF help tool Aidvantage is reporting zero payments made. I am afraid I am going to miss the PSLF waiver because these companies can't keep their records straight.
|
| 12/30/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
XXXX response to XXXX is not complete and does not fully address any issues stated in the complaint. XXXX mishandling of the transfer has delayed the receipt of the XXXX bill due. Because XXXX mismanaged and mishandled the transfer I have not received a bill due for XXXX. Where is the bill for XXXX? I know why it was mishandled because it's XXXX.
|
| 04/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/ i have noticed fraud accounts and inquiries these fraud accounts must be removed from credit profile now!
account name : DP OF EDUC ACCOUNT # : XXXX BALANCE : XXXX $ PAYMENT STATUS : CURRENT LAST PAYMENT DATE : XXXX LAST DATE ACTIVE : XXXX MONTHLY PAYMENT : XXXX $ THE ACCOUNT # IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL " FAIR CARES ACT ''
|
| 08/11/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Federal Loan Forbearance XXXX XXXX. Qualifying federal loan borrowers who were residents of Maryland and other states. XXXX has already been fined and investigated. On the website it was suggested that I file a complaint to resolve the issue and hopefully get a refund of some of the interest charged and the forbearance fees that were overcharged.
|
| 09/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX repossession My credit file has been hacked in the past and someone used my information. XXXX did remove this due to invalid information and it is still reporting. I have a agreed to pay half of this amount to get this removed but when I contacted the company the told me attorneys were involved and my total was now XXXX.
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
FRCA Violation student loans DEPT OF ED/AIDVANTAGE DEPT OF ED/AIDVANTAGE DEPT OF ED/AIDVANTAGE DEPT OF ED/AIDVANTAGE FRCA Violation collection XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
|
| 02/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On Thursday, XX/XX/XXXX, at XXXX XXXX, I received an email from Aidvantage - my student loan servicer since they took over from XXXX - telling me my monthly statement is ready. It included the amount due for the month and the due date of XX/XX/2022, nearly 7 weeks earlier than the expiration of the national moratorium on student loan repayments.
|
| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I, XXXX XXXX XXXX, a XXXX XXXX, command the Department of EducationXXXXAidvantage with the account number XXXX to discharge their debt immediately. I am XXXX and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, XXXX, and fairness in order for the Department of EducationXXXXAidvantages debt to be free from my credit profile.
|
| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The department of Education and Aidvantage has XXXX all my school loans from XXXX due to their bankruptcy and bad loan dealings.
I have attached XXXX letters stating that they were XXXX and would like to see this pushed to the credit agencies.
I would like to see this reflected soon in my credit report so that i can buy a house.
Thank you
|
| 12/22/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
I tried contacting their company multiple times over the last few days. I am placed on hold for over and hour and then the phone disconnects. I tried to place my loan in forbearance online and its not giving me the option for a general forbearance. I know that I have 18 months left for general forbearance so this doesnt make sense. I need help.
|
| 05/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There are student loans that is reporting to the bureaus for the amount of {$42000.00}.
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These loans have been forgiven but is still being reported. They need to be removed from my credit Due to the education and privacy act of 1974.
|
| 01/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Requested Student Loan Payments that were made during the Covid payment pause period in XX/XX/XXXX. It is now late XXXX and have not received the refund via direct deposit or check. The balance was restored on XX/XX/XXXX but the payments have yet to be returned. Have contacted customer service multiple times about this and have gotten nowhere.
|
| 11/10/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I submitted a request to refund about {$7000.00} of my Aidvantage student loans on XX/XX/22. I have yet to have my balance update to reflect that, or hear any word ( well past the initial 6-8 week timeline they gave me ). I have called several times and continue to hear different estimates in terms of how long until I will receive this refund.
|
| 02/07/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
When I finish studying at XXXX XXXX my Student Loan was only {$30000.00} debt. Now my Student Loan Debt is {$68000.00} This is too much money. I signed up with a company and now I am going to start paying {$190.00}. I would like to see the possibility of my Student Loan to be only {$30000.00} and not {$68000.00} This is a Student Loan Abuse!!!
|
| 07/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Department of Education XXXX XXXX loans on ny account that have been cleared because of my Permanent and Total status. Accounts are reported on my XXXX XXXX XXXX reports. XXXX was removed from XXXX. There is no money to collect. There is no court order or judgement giving permission to collect, garnish wages, etc. Violates 15 US Code 1681b
|
| 10/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
On or around XX/XX/2022 I requested all payments made during the COVID payment pause be refunded to me, through the online portal. It is currently XX/XX/2022. I called Aidvantage for an update on the status of my account, and the customer service representatives have horrible call quality and communication about my account was impossible.
|
| 09/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I called Aidvantage on XX/XX/25 about receiving a XXXX refund on federal student loan payments made during COVID forbearance per the CARES act. The representative I spoke with told me I would be getting direct deposit refund in 2-4 weeks and that my balance would be re-instated within a few days. None of this has happened. Please help me.
|
| 01/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX has not removed dispute language from my credit report. It says dispute resolved, customer disagrees. I want this language removed, because I stopped disputing these late payments months ago after a representative explained how they appeared on my credit report. Please remove all dispute language from the remarks on my credit report.
|
| 12/31/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Servicemember |
|
I submitted for a refund of all payment made during covid. I submitted a lump sum payment of XXXX and I've requested the entire balance paid refunded to me. I am still awaiting that refund. It took aidvantage less than a week to cash my payment check, but now it's taking them 6 or more months to give me back my refund. That's ridiculous.
|
| 02/07/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
In 2018 I was provided with a Public Service Loan Forgiveness Employment Certification Form which I submitted to the Department of Education/XXXX XXXX I was denied the forgiveness of my loans after 10 years of public service. However, I kept paying the loans.
Now there's a lawsuit against XXXX XXXX and I need my account to be examined.
|
| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
On both XX/XX/XXXX and XX/XX/XXXX, I called AidAdvantage customer service line XXXX ( XXXX ) XXXX, and was unable to reach any representative. At this time, on XX/XX/XXXX, I have been on hold for 1 hour and 44 minutes.
I am reaching out to discuss my account and payment options as the options provided are not possible for me to make.
|
| 01/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Account number : XXXX According to the Aidvantage site, on XX/XX/2022 a refund in the amount of {$1200.00}. I did not request a refund nor have I received a refund.
I inquired to Aidvantage about the refund, and I was told that XXXX now has my account.
When I contacted XXXX, I was told that they do not know anything about a refund.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also sttes a consumer reporting agency can not furnish an account without my written instructions.
15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 10/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Filed for refund 6 weeks and 5 days ago for student loan payments made during coronavirus pandemic. Haven't seen any movement or indication the request is being processed.
They can't offer information on if my request was processed and can't offer much help. A few calls to customer service cause more confusion and no clarification.
|
| 10/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I made my student loan payment before the due date. My payment was then reversed by Aidvantage. The company then only took a small amount of my payment and rejected the rest. Now they are saying my payment is past due. I paid my full amount on time and they are reversing it on their end which is causing my loans to show as past due.
|
| 10/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have called three times to request a refund of my student loan payments made during the Covid 19 payment pause. I requested ~ {$6000.00} back on XX/XX/2022 and was told 4-6 weeks. Called back after 6 weeks and was told 6-8 weeks. I have still yet to see a change in my student loan balance updated on their website as of XX/XX/2022.
|
| 11/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have been set to a status of Delinquent by Aidvantage because my payment has been reversed despite my bank always being the same since I was in college. I have enough money to pay.
I have a history of attempts to pay on their website but no payment has gone through and now I am in deferment. I just want to pay it off and can't.
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My previous student loan servicer ( Navient ) has turned my student loans over to Dept of ED/XXXX. I have disputed inaccurate items on my credit report. However, they are reporting these items as accurate. I have an 11 year old account on my report with a last report date of XX/XX/23. These actions violates ( FCRA ), 15 U.S.C. 1681
|
| 09/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I first contacted Aidvantage on XX/XX/XXXX about a refund on the student loan payments I have made over the course of the pandemic. I am requesting a refund of {$6100.00}, for which the amount has been confirmed via Aidvantage emails and calling again in early XXXX, but there have been no balance updates on my student loans online.
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My student loan with AidVantage is still showing as current as of XX/XX/XXXX My account with AidVantage was closed and moved to XXXX as of XX/XX/ ; however my credit report reflects that I have a student with both AidVantage and XXXX. I ONLY ( not screaming ) have a federal student loan with XXXX! Please have this matter resolved.
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Reporting late payments on my credit report when i have never been on a payment plan with them because i am still enrolled in school they are reporting 90 days past due and this is not right or true at all the late payment for denefits needs to be removed as well the late payments for credit acceptance needs to be removed as well
|
| 02/17/2022 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Confusing or misleading advertising
|
|
Web |
|
|
The company was very misleading with advertisement and i felt pressured to sign up. As if i was going to miss out on a learning opportunity. They promised endless career opportunities in the medical field and ended up closing for good in 2018 with dozens of lawsuits. I know have a degree that is absolutely useless and debt to pay
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The Aidvantage website shows that I only have XXXX active loans with a balance, the rest have a status of Paid in full/Discharged. However after multiple disputes through XXXX, Aidvantage refuses to update the status of the other XXXX loans with the credit agency ( both XXXX and XXXX ). My XXXX report shows the correct balances.
|
| 04/11/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
So during my time in college I was told that I was able to take a loan out through XXXX or XXXX and did not have to pay back through the contract and speakings. Im struggling due to Covid and hurricanes because I live in Louisiana and I cant catch a break and its bringing my credit down slowly and I just cant pay for this loan.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
AidVantage XXXX XXXX {$2100.00} XXXX XXXX {$3500.00} XXXX XXXX {$4500.00} XXXX XXXX {$2400.00} XXXX XXXX {$990.00} AidVantage acquired my student loans from XXXX XXXXXXXX XXXX on XXXX XXXX, and reported 6 late payment for each loan in XXXX. XXXX XXXXXXXX XXXX never reported any late payments nor was I ever late on any payment.
|
| 03/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
I have spoken with aidvantage several times and I always get a new story. Im trying to set up payment plan. They sent me a form that doesnt match anything that was said on the phone. The last servicer was much better. They even admit that a lot of new people have been hired and training tools dont provide a lot of information.
|
| 10/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I called AidVantage to see about why my load was still getting paid for. I had set up automatic payments and they never stoped during the pandemic. When I called them the lady on the phone said that she had not heard of XXXX XXXX which was the reference line of the payment. She advised me make a complaint and to call my bank.
|
| 11/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I sent it in a payment through billpay through my bank account and they said that theyve never received it but my bank says that they receive it and they still have not given me the money and its two months later, and they still have no clue where the money is and since this all went on, they put my wifes loan in forbearance
|
| 01/21/2022 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
Never Paid Late. ( DEPT OF ED/XXXX XXXX Balance : {$2500.00} ) ( DEPT OF ED/XXXX XXXX Balance : {$4400.00} ; ) The records reflect a 90/120 without preceding 30, 60 days. This is a massive error. Investigate all records closely. According to FCRA 611 we need to make sure that you are reporting a 100 % accurate in my report.
|
| 11/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Requested a refund of payments on XX/XX/2022 they didn't put it into there system until XX/XX/2022 everytime I call concerning the timeline they delay the refund of payments from being processed original timeline was XXXX weeks it has escalated to XXXX weeks lying saying it's involved with the courts on the loan forgiveness
|
| 01/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have reason to believe and do so believe that XXXX have violated my consuner right by providing consumer with False, decpetive forms or misleading representation pursuant to 15 USC 1692eXXXX XXXX have filaed to provide under penalty of perjury documentary evidence requested by consumer to validate and verify alleged debt.
|
| 08/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
In XX/XX/XXXX I filed for bankruptcy. I was also told that some loans would not be covered in the bankruptcy, but reading this particular article where you have settleed a lawsuit against navient in XXXX. And since I filed in XXXX. Does that qualify me to have my loan dismissed? They were subsidized.
I was just wondering.
|
| 05/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I been applying for Borrowers defense as I never received any transcripts or the degree from my school and the school was shut down for fraud and they keep denying me for borrowers defense as they said i graduated the school so i need the transcript proof and degree from the school as I need to know what I am paying for.
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have 3 student loans late have been reporting negatively on my credit report since XXXX. & XXXX. I consolidated these loans and they are still reporting negatively. This has affected my life horrifically and has caused substantial hardship. I am requesting that to have this information removed from XXXX, XXXX and XXXX.
|
| 03/20/2022 |
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 |
|
|
XXXX, XXXX, and XXXX are reporting my student loans from XXXX and Aidvantage late from 2018 and I wasn't this has been plaguing for four years and it's preventing me from getting a house I need this resolve asap their not following their own rules when it comes tom time status and responding with the correct information
|
| 04/28/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Aidvantage has my loan previously services by XXXX. It had two other servicers before that, as I graduated and started repayments in XXXX. Aidvantage only shows history going back to XXXX. I'm afraid the years that I was steered into forbearance or deferment will not be accounted for in determining my loan adjustments.
|
| 07/08/2022 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : DPT ED/AIDVXXXX XXXX XXXX XXXX
|
| 03/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I took a loan out for a little more than XXXX from XXXX XXXX in 2006... I have since then paid over XXXX back and still have over XXXX in interest to still pay. I know that it went to another company maybe even XXXX. navient and or aidvantage. I have already made a complaint about this and XXXX XXXX said it wasnt them?
|
| 04/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Student loans not reporting to XXXX. It has been over 60 days. This is the 2nd time I have had to file a complaint!!!! I already called XXXX and checked if they have any information being received from Aidvantage and they have not. This is Aidvantage 's problem not XXXX like they keep trying to make it. Fix this!!!!!!
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I just pulled my credit report and noticed that my student loan is listed twice making my debt to income ratio higher then it is suppose to be. Account was sold to a different lender. My student loan is currently with XXXX.
XX/XX/XXXX, XXXXDept of ED/AIDVANTAGE : {$36000.00} XX/XX/XXXX, XXXXDept of ED : {$36000.00}
|
| 03/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I called on XX/XX/2022 to request a refund of my student loans ( {$10000.00} ). Since then I have called several times to check on the status and all I get from them is " your refund is being processed by the Treasury Department ''. It has almost been 5 months and I was told the whole process would take 8-12 weeks.
|
| 06/27/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Older American |
|
XX/XX/2022 received email as a response from contacting US Dept of Education with a pdf file that I can not open. Also stated that I need to answer a question. Chat agent closed my chat after I waited for 29 minutes. Made 2 calls to Aidvantage. Left 2 messages. Calls not returned. Unable to login to their websight.
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act credit ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights,15 u.s.c1681 section 602A. states Ihave the right to privacy 15u.s.c 1681 section 604A SECTION 2 ALSO STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTION ... .NULL
|
| 03/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I received a bill from aidvantage for {$1900.00}. They claim I owe a late fee when I have never had any dealings with this company ever and there is a federal student loan payment pause. The total amount is also incorrect. I attempted to call and speak to someone but could not get in touch with a representative.
|
| 10/03/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I requested a refund for my federal student loans XX/XX/2021. I paid {$10000.00} to myfedloan servicing in XX/XX/2021. The balance has been reinstated on myfedloan and they say my refund request is processing, however studentaid.gov has not updated my balances and I still have no received the {$10000.00} back!!
|
| 10/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
For Aidvantage : Enrolled student loan for auto pay which was to for XX/XX/XXXX. The payment was reversed. I then tried to pay again via manual pay on the XXXX and XXXX, both were rejected. I have called the customer service line multiple times since the XXXX and have been disconnected after over an hour wait.
|
| 03/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My new student loan provider, Aidvantage, has been charging interest to my accounts despite the CARES Act suspending payments and freezing interest rates at 0 % until XX/XX/2022. Payments I've made since Aidvantage took over my loans have largely gone to interest that has been wrongfully charged to my account.
|
| 01/14/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Servicemember |
|
Between the years of XXXX, XXXX engaged in unfair, deceptive, and illegal practices by implementing a scheme to misallocate my loan payments toward interest rather than toward paying off the loan principal, misdirect payments towards loans with lower interest rates, and improperly impose capitalized interest.
|
| 08/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
The new One-Time Income Driven Repayment ( IDR ) Account Adjustment makes my loans eligible for forgiveness after 240 months. I have made 297 months of payments using the new rules that allow all months with loan status of RP, FB, and DA to count as eligible months and repayment status of consolidated loans.
|
| 09/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I made a payment for {$5000.00} on XX/XX/2023. It was reversed the very same day and the servicer company ( Aidvantage ) did not message me or give me any explanation for this decision. I had not signed up for any deferments either and the company never even tried to withdraw the money from my bank account.
|
| 05/25/2022 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
Department of Education Aidvantage has two account one for XXXX and XXXX, both accounts are older than ten year. My request to the bureaus is to purge these erroneous creditors from my credit report. XXXX and XXXX, XXXX has just the XXXX. Attached please find three credit reports from XXXX, XXXX, and XXXX.
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is regarding my student loans amounts : {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} .. these loans are reporting incorrectly on my credit report.
i paid off these loans a while back but they are still appearing on my credit report. Please take them off my credit report immediately.
thank you
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On all three of my credit report there is an open account with Dept of Education Aidvantage with a balance of XXXX. However, this account was closed and my loans was transferred to XXXX. I would like for this account to be updated on all three of my credit report showing that this account has been closed.
|
| 01/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have contacted XXXX, XXXX and XXXX about the fraudulent student loan accounts on my credit report. I have submitted a federal trade commission affidavit, police report and notarized letter explaining the fraudulent information. I demand for the information to be blocked and removed per fxra section 609.
|
| 12/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I emailed Aidvantage a month ago about my options to postpone my payments due to unforseen medical charges I need to pay. They have not responded and forced me to make an uneducated decision to use forebearance as my payment was due. They whole purpose of a loan servicer is to aid in decisions like this.
|
| 10/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I received notice from Aidvantage that my student loan payment will now be over {$800.00}. I was previously paying around {$270.00} prior to the pause. I emailed requesting explanation on XX/XX/21 and received an email saying to expect a response within 2 business days. Its been over 2 weeks and nothing.
|
| 10/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
When a client makes a payment on time or early do not flag their account as delinquent. I made a payment due in full on XX/XX/2023 and my payment due date is not until XX/XX/2023. My account was flagged late on XX/XX/2023. Please resolve your system billing issues with your clients payments being made.
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
All my student loans have been paid off in full since XXXX but my credit report still reflects a balance over {$330000.00}! I have disputed this several times and it is not getting fixed. I can not close on a house or get any other loans bc my debt to income ratio is too high with this false reporting.
|
| 09/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In addition to NEVER HAVING A CONTRACT WITH THE COMPANY AIDVANTAGE ; this company is reporting knowingly harmful and fraudulent data to credit reporting agencies. This company even sent email saying that Im not required to make a payment at this time- so why is this company reporting false late payment
|
| 01/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2022 I sent Department of EducationXXXX a certified letter disputing XXXX ( XXXX ) loan accounts.
Amount # XXXX {$5500.00} Amount # XXXX Department Of Education has " No Permissible Purpose ''. Also they have infringed upon my right to privacy as a consumer, which are both federal violations.
|
| 12/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account contains a finance charge, which is the sum of all charges. Therefore, this account was paid in full upon the bank obtaining my credit card ( social security card ). This account should never be delinquent for any reason whatsoever, due to it being opened under an open ended credit plan.
|
| 01/09/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My federal loans were transferred to Aidvantage in XX/XX/XXXX. They say I have a payment due in XX/XX/XXXX despite federal loans being frozen until XX/XX/XXXX. I have contacted them multiple times and received no response.
I would like them to update my account so it is compliant with federal law.
|
| 02/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I sent letters out to the Dept Of ED Navient / Aidventage & I don't owe anything with this account both companies can not locate an account for me I want this company to remove their negative reports on my credit profile from all 4 credit reporting bureaus. Also, they have not responded back to me.
|
| 11/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
My Experian credit report is showing a 90 day late payment for XX/XX/2018. However, my student loans were in deferment at that time. Also, the 90 days before the 90 day late remark are showing " current\terms met ''. How can the account be 90 days late, if there was never a 30 or 60 day late mark?
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act, account DEPT OF EDXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
|
| 03/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Student Loans Report differently on all 3 bureaus Dept Ed/ Aidvantage.
XXXX {$35000.00} XXXX {$30000.00} XXXX {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave XXXX, XXXX, or XXXX written consent to furnish anything on my report.
15 usc 1681a -Rules of construction
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My credit report is showing late payments to DEPT OF ED/XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX sent me a letter on XX/XX/23 stating they sent it to Department of Educ/AIDVANTAGE in regards to all my loans should be discharged due to XXXX deemed me XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) all balances of loans hold be forgiven. They have duplicate of my loans on my credit report as well.
|
| 12/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
I outreached the student loan serving company and applied for forgiveness and was unable to get balance information, transfer of debt and regarding if approval was granted.
There is a discrepancy in loan payment, loan amount and balance. I was also wrongly denied for student loan discharge.
|
| 11/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I requested my loan history from 1998. They provided a generic response, that only pertained to loan history after my latest consolidation. They were unable to provide complete loan history since 1998. There should be no mystery in how many payments I have made.
aidadvantage Studentloan.gov
|
| 05/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
|
| 12/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have repeatedly tried to reach out to the Department of education and XXXX regarding the incorrect harmful reporting status with XXXX, XXXX XXXX XXXX.
My loans have been consolidated and no longer in collections. The status remains and is causing me hardship. This needs to be corrected.
|
| 12/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have repeatedly tried to reach out to the Department of education and XXXX regarding the incorrect harmful reporting status with XXXX, XXXX XXXX XXXX.
My loans have been consolidated and no longer in collections. The status remains and is causing me hardship. This needs to be corrected.
|
| 09/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
Requested XXXX XXXX XXXX XXXX XXXX XXXX student loans be cancelled. Was approved but never received any documentation on when I was receiving forgiveness and the loans are still showing on servicers account page and department of education page.I was apart of a group discharge.Please help.
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
|
| 11/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit score has decreased XXXX points for an balance increase, not only have I been waiting 5 years for a loan forgiveness. I also received something stating that my loans was in the process of forgiveness and no action needs to be taken so why is my loan increasing dropping my score?
|
| 05/04/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My loan servicer Aidvantage emailed me on XX/XX/XXXX to inform me that my student loan payments will resume XX/XX/XXXX even though the federal pause on student loan payments does not end until XXXX of XXXX. I tried calling them but I have still not been able to speak to anyone about this.
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
department of education aka aidvantage was not given writtten or verbal consent to add 2 late payments on my credit report.not only that the 2 late payments time have lapsed which puts the creditor inaccuratley laving on my credit past the by the law 7years .acount was opened XX/XX/2017.
|
| 02/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
I am an XXXX XXXX service member and my student loans were held with XXXX, I was just notified that my student loans were sold to another company. I think this action was unjust, my loans should be transferred back and included in the recent court judgment that was assessed against XXXX.
|
| 12/14/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
The loans were paid in full and removed due to them being my daughter 's student loans and they appeared on my credit that has now cause me a hardship in being able to get a home for my family due to my debt to income ratio. They have been contacted and i continue to get the run around.
|
| 11/01/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I requested a paid in full loan refund on XX/XX/2022 from XXXX XXXX. My loan was transferred after that to Aidvantage. Aidvantage does not have any of my information and can not give me an update for my refund request. I feel as though I am in limbo and have no one to communicate with.
|
| 07/09/2022 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
Ive attempted to fix this issue many times through disputes. My account has been paid off for several years and closed. Creditors are not legally obliged to report at all. It's a voluntary practice. I am requesting that this harmful account not be reported to the major bureaus anymore.
|
| 10/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XXXX {$95.00} XXXX {$180.00} XXXX {$80.00} XXXX {$170.00} XXXX {$20.00}.
These are payments I made on my student loans but then I received an email from aidvantage stating each payment has been reverse. Nothing has changed on my end. Been making payments successfully up to XX/XX/23.
|
| 09/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Student Loans were discharged under the XXXX XXXX XXXX XXXX XXXX program as of XXXX XXXX. XXXX, which is the company that manages the loan and discharge has already discharged all loans adding top to {$79000.00}. Aidvantage has not cleared the discharge as paid as agreed on my credit.
|
| 01/30/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Please if someone could look into my school loans ; I have made numerous attempts. Previously I was set up with a payment arrangement of 2 years and not either of the payments were ever applied to my school loans. This amount was drafted out of my bank account each month for 2 years.
|
| 01/02/2022 |
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 already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
|
| 11/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
Student loan started in XXXX with Sallie Mae then they transferred over to Navient. Then a few years ago transferred to XXXX. I recently found out about a lawsuit with Navient. Id like to find out more about it. I know they went bankrupt and I was still sending monthly payments.
|
| 11/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Payment are {$170.00} for the first year and {$420.00} beginning XXXX year. This can not be right.
After several emails to Aidvantage without response. I can't even get Aidvantage to respond to questions about what pay plan my account is tied to. It is supposed be the XXXX plan.
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with Fair Reporting Act this creditor has violated my rights under XXXX5 USC 1681 section 602 : states I have the right the right to privacy .15 US 604 section 2 it also states a consumer reporting agency can not furnish an account without my written authorization.
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Late Payments Were Put Onto My Account whenever I Was Enrolled In School. These Need Removed. Ive Contacted Both Loan Providers By Phone, Mail And Email And got Nowhere With Them. They Said They Were Supposed to Be Removed Yet They Remain And That Was From Several Years Ago Now.
|
| 02/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have attempted to fix my problems with my loan servicing provider and also contacting fed loan. My problem is that I have no answer on getting my loans transferred to fed loan for starting to be part of XXXX. I applied In XX/XX/2021 and it is 3 months later with no response.
|
| 05/14/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I went to XXXX XXXX University. I see that they have a lawsuit for issuing degrees to people who did not meet academic requirements. They gave me misleading information and didnt assist with job placement. I am in debt behind this university. Please investigate.
https : XXXX
|
| 10/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I previously held loans that were serviced by XXXX and then transferred to Aidvantage. When I try to set up an account with Aidvantage, they are unable to locate my information or my loans. I tried to call and speak to a representative but was left on hold for over an hour.
|
| 01/25/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is reporting inaccurate information on my consumer report.Also this company has been causing me financial and emotional damage. This company is defaming my Character. The account numbers are wrong, opening date wrong. I will attach copies of this alleged debt.
|
| 09/23/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been requesting information from Aidvantage to send me proofs that these student loans belong to me, Im requesting documents with my alleged wet signature. If they can not provide the requested information they must delete these student loans off my credit reports.
|
| 09/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have tried to make payments to student loan servicer Aidvantage which payment being reversed because it can not find the account. I have triple checked the accounts used for payment and have attempted to pay the XXXX XXXX loans on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
|
| 08/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
When applying for a mortgage, my credit report came back and showed my student loans as duplicates one from XXXX ( current loan servicer ) and Aidvantage, which was the original servicer which had transferred my loans to XXXX. These loans were transferred on XX/XX/2023.
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( XXXX ) this the DEPT OF ED/ AIDVANTAGE and XXXX is in violation not reporting 100 % accurate it lists. Also, I have not given written permission for this debt to be shared with any other 3rd parties like XXXX and XXXX.
|
| 04/24/2022 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
I went to XXXX College in XXXX XXXX, MA while the school was being sued- it was a joke school and pretty expensive. Many people have been repaid for this issue. I would like to address this as soon as possible because it has been effecting my credit score for years now.
|
| 10/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
On XX/XX/XXXX, I called Aidvantage to request my Parent Plus loan be refunded for the payments I made during Covid ( since XX/XX/XXXX ). I have called several times to request status on my refund. As of today ( XX/XX/XXXX ), my Parent Plus loans have not been refunded.
|
| 10/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Aidvantage is violating my right to privacy under 34 CFR Part 99 Family Educational Rights and Privacy. Aidvantage has no right and have not been given disclosure to release my personal information to anyone. They need to cease reporting on my credit file immediately.
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
It was XXXX loan from XXXX and they sold my information to another solution company deft collect company with out my consent and now report ai a vantage report late payments and wrong information on my credit report when acct was in good standing and no late payment
|
| 09/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I've been trying to start paying off my student loans. When I tried to make a full payment of XXXX, the button doesn't work to process the payment. It won't even let me make a payment for the amount due. So, interest continues to accrue and I can not make a payment!
|
| 12/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Letter, dated XX/XX/2022, addresses Aidvantage to opt-out of sharing and reporting my information to non-affiliates. Aidvantage is reporting transactional history to credit report agencies, when I have not provided written consent to share or report any information.
|
| 11/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
There is no Signed Legal contract between myself and the Aidvantage has falsely added this information to my credit reports. There are no Signed contract between myself and them. Therefore these false information should be removed from my credit reports immediately
|
| 03/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Recertified for lower payments based on income, new monthly amount owed went up to {$500.00} from {$390.00}. All federal loans are on pause until XX/XX/2022, they deemed it essential to shift payments to 10 days from submission - XX/XX/2022. That wont be happening.
|
| 06/21/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/22 around XXXX, the XXXX XXXX XXXX told me my loan was transferred to Aidvantage XXXX I called Aidvantage, and they told me they had no records of my loans in their system. Now I am unable to pay my loans, because Aidvantage says they don ; t have them.
|
| 09/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
Servicemember |
|
Student loans were forgiven under XXXX Vs XXXX, as part of the agreement Advantage is required to place loans in forbearance until the loan forgiveness can be applied. Advantage has not placed these loans in forbearance and these loans are now accruing interest.
|
| 12/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
On XX/XX/XXXX it shows claim payment of over {$29000.00} along with interest and they can not tell me why or apply it to my account. I have been in contact with since XX/XX/XXXX. I want to know why the credit is on there and why they have not credited my account
|
| 09/12/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Submitted a request with Aidvantage for a refund on payments ( about XXXX was the request ) made during COVID. The original request was made on XX/XX/22 and I still have not seen the refund or the balance that was requested reflect on my loans through Aidvantage
|
| 09/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I submitted a large payment for my student loans on XX/XX/2023. I received an email stating the payment was posted. When I checked again on XX/XX/2023, I saw that a notification of " payment reversal '' and that the payment was never drawn from my bank account.
|
| 09/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Co-signer
|
|
Web |
Older American |
|
sent a death certificate to Navient in spring XX/XX/2016 ..requested a cancellation of the parent plus loans as my spouse and I have poor credit and could not qualify or make payments .. Navient ignored the request and recast loans in me and my wife`s names...
|
| 12/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I have set up automatic payments with Aidvantage for student loan repayments. The company has been pulling the money from my account on time every month but charged me an overdraft fee in the process of {$35.00}, despite getting the money on time every month.
|
| 11/28/2023 |
Yes |
- Debt or credit management
- Student loan debt relief
|
- Didn't provide services promised
|
|
Web |
Older American |
|
I paid off my student loan in full to XXXX and keep getting statements from the USDept of Education that I owe money to aidAdvantage. I have made repeated attempts over months snd months to rectify by situation. I have written to XXXX XXXXhree times. Nothing.
|
| 06/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have received a copy of credit report and noticed several accounts and inquires that were reported without my knowledge, Fraudulent applications have been submitted in my name and my identity has been used without my consent to obtain goods and services.
|
| 12/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My credit reports shows my student loans being 60 days late which does not make sense because usually it goes from 30 days late to 60 to 90. Can this please be fixed. I am not able to have a good credit score do you this. Its on a few of my students Loans
|
| 05/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
I made a payment last month to AidVantage3 which took my account balance from over {$100000.00} USD to under XXXX. My account now says my balance is {$100000.00}. This is not accurate and implies that fees or interest has been added without my knowledge
|
| 06/03/2022 |
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 |
|
|
I had a student loan serviced by Aidvantage years ago. I had it set on autopay and they still reported me late. I tried to resolve it with them in XXXX and they never fixed the issue. They instead reported late payments and reported it as a collection.
|
| 01/23/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I graduated college in 2010 and my loans were transferred to XXXX from XXXX XXXX, my payments have never been consistently applied to principal and interest, multiple payments have gone only to interest and some payments only {$0.00} went to principal.
|
| 11/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
On XX/XX/2020 I asked Navient about cash payment that I made to XXXX directly {$9000.00} they told me they had the info and would send me written verification. It never happened. Then they said subsequent times they had no record of that conversation.
|
| 12/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On XX/XX/XXXX I received an email that said my student loan relief application has been approved and that I did not have to do anything else. This has made me confused about the status of my debt as I am not sure if this statement was made accurately
|
| 09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
All three credit bureaus have my student loans inaccurate on my report, a couple of reports dont have some but other reports have them, all credit bureaus should be all accurate with same accounts and all those accounts should be off my credit report
|
| 10/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Before the covid repayment freeze ( and switching lenders to advantage ), the remaining principal was around XXXX XXXX Now the principal balance unaccountably shows as XXXX XXXX There appears to have been a mistake made at some point on the balance.
|
| 11/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
I have signed up for the XXXX XXXX and yet I was an updated on my plan. I received my billing statement and I can not pay it. I can not pay it because I don't make that much money in order to pay it off which will cause me to lower my credit score.
|
| 10/28/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I went and paid aidvantage what I owed which is XXXX dollars on the XXXX of XXXX. The payment was accepted on the XXXX but it was reversed on the XXXX. I was confused and tried to call them but their lines were busy. I am not sure what else to do.
|
| 10/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XXXX dated XX/XX/23 indicates XXXX, XXXX received your XXXX XXXX XXXX ( XXXX ) plan application from XXXX.
I see the account is past dues. How can it take more than XXXX business days to process a application so my account would not be past due?
|
| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Would like to file complaint in regards to XXXX. They have reported things without my knowledge., or considered a dark pattern which has impacted my credit tremendously. As well as they do not update information accurately or in a timely fashion.
|
| 01/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Never late on this account Also, how can it be 120 and 90 days late without first posting 30 days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. ( DEPT OF ED/XXXX XXXX )
|
| 10/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
Servicemember |
|
I filed for a income driven payment plan on XX/XX/2023. My loan servicer ( Aidvantage ) still has not processed the paperwork. I have been notified that my first payment is due at the beginning of XXXX. I have called but I can never get through.
|
| 10/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Aidvantage is showing that a parent PLUS loan was taken out for a specified university and distributed on XX/XX/2015, however, a parent PLUS loan was never executed for said university. This information that Aidvantage is providing is incorrect.
|
| 11/05/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I was originally told on XX/XX/2022 that it would take 4-6 weeks for a refund for payments made during COVID under the CARES act. I am now being told it will take 10-14 weeks. This is not consistent with guidance provided earlier. Please assit.
|
| 07/20/2022 |
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 |
|
|
A portion of My student loans were were discharged. I have submitted documentation on several occasions to the credit reporting agency XXXX and XXXX and they have failed to properly investigate and remove inaccurate reporting on my credit file.
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
AIDVANTAGE, is reporting my account for the month of XXXX XXXX 90 days late on my XXXX, consumer report and a 120 days late for the same time on my XXXX, XXXX consumer report. This error is causing the student loan accounts to report negative.
|
| 10/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Called Aidvantage on XX/XX/2022 to request refund for payments made during Covid CSR told me that request was approved on XX/XX/2022 and processed on XX/XX/2022 and at this point haven't received any correspondence regarding refund or payment.
|
| 11/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I've been trying to get ahold of this company for weeks. I've been emailing them, calling them. No one is answering or reaching out to me. I've heard many complains about this company as well, as I'm not the only one saying this exact thing.
|
| 04/11/2022 |
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 |
|
|
According to the government, loans are supposed to be brought current and with no reporting of default or delinquency. You all are still reporting delinquencies from closed accounts from 7 years ago. I need these delinquencies off my report.
|
| 10/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XX/XX/XXXX : submitted payment for {$40000.00} Never taken from my account Tried again on XX/XX/XXXX submitted same payment amount {$40000.00} said it was accepted but has yet to be deducted from my bank account.
Confirmation code : XXXX
|
| 11/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
My Bank XXXX mistakenly send XXXX to XXXX XXXX , on XXXX.XXXX no longer services my student loans and should immediately refund the amount. I have written to XXXX, I have received no response. Their toll free phone number no longer works.
|
| 10/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Submitted a request for a loan refund on XX/XX/2022. Was quoted 4-6 weeks for the refund. Currently on week 7 with no updates on status of my repayment. Website does not reflect a change in balance and no money has made it to my account.
|
| 10/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I made a request on XX/XX/2022 for student loan payments to be refunded per the CARES act through Aidvantage. I have called twice since and have received no update or change in status for the refund, it has now been 6 weeks. Please help.
|
| 07/11/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Hello, I believe I have received a fraudulent email form the student loans dept of education. Via, Email. The indicates to check inbox. I did view student loan website and attempted to submit a complaint via the website w/o any success.
|
| 12/05/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Called to request a refund on my loan ( {$1200.00} ) at the end of XX/XX/2022. I have called several times since then and there has been no movement. I called again this morning, XX/XX/2022 and there was still no movement and no change.
|
| 05/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The federal loan servicer is incorrectly reporting a lateness on XX/XX/2018. I paid on time, but I was reported as late. This incorrect credit reporting negatively impacts my credit history and my ability to apply for loans and credit.
|
| 09/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XX/XX/2023 attempted to make a payment online. Red error message pops up reading " we're sorry - an error occured. Please try again '' I tried again today XX/XX/2023 I believe they are preventing me from paying down accruing interest.
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX is reporting that I did not pay student loans in XXXX. During this time there was a mandatory hold on student loans as a result of Covid-19. Furthermore, my loans are all on deferment as I was and currently am enrolled in school.
|
| 08/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have a student loan, I went onto my account to see the balance. It said XXXX when I wen to see loan history, I saw that on XX/XX/22, it was sold. I was given no information about this and can not seem to get a response account XXXX
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Aidvantage will not update my XXXX credit report to show my balance as XXXX. My student loans were transferred to XXXX in XX/XX/2023. I no longer have a balance or open account with Aidvantage.
Total Balance showing is {$150000.00}
|
| 09/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
You have my information incorrect, I cant log into aidvantage so that I can set up my automatic payments. When I enter my social and my birthday, name number etc you all have it incorrect so I am unable to log in my name is XXXX XXXX
|
| 12/14/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Student loan payment refund requested on XX/XX/22.
Was told 6-8 weeks to receive refund.
Called multiple times and was told they are waiting for treasury and that it can take 8-12 weeks.
14 weeks later, still no refund or update.
|
| 10/26/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
I asked for a refund XX/XX/22 was quoted XXXX weeks for the refund. Refund has not been received, I have called multiple times and have not received confirmation, response or reasonable timeframe on when I will receive my refund.
|
| 04/10/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I asked for removal of late payments due to filing deferment paperwork late. My son had XXXX at the time and I asked for them to remove late payments in goodwill. Instead they added more late payments and dropped my credit score!
|
| 10/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have not been entered into the Federal SAVE program. I make XXXX per year. The monthly payment they assigned me has changed from {$900.00} to {$500.00} to XXXX over the past month. Now they are saying I have to pay {$1400.00}!
|
| 10/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
The Aidvantage student loan servicer will not accept extra payments directed to the principal of a loan, either by phone or online. They will only accept next month 's payment early, which does not shorten the life of the loan.
|
| 08/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Currently have student loans through Aidvantage, previously XXXX. I have a payment due XX/XX/XXXX and was told to file a complaint due to this payment, when there is no current plan announced for repayment or a continued pause.
|
| 10/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My student loan account was supposed to be on a 6 month forbearance status as of XXXX 2019, however in my credit report file it states in XXXX of 2019 my loan was 90 days past due, and in XX/XX/2019 it was 120 days late.
|
| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
USC 15 1681a ( 2 ) ( i ) states that It is illegal to report transactions or experiences on a credit report.
All alleged late payments and other transaction and experiences must be removed and ceased to being reported.
|
| 10/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/2023 a relative called in to payoff the value of my loan. Payment was pending/posted and then marked as reversed with 0 notification to me.
Have called 3 times and waited an hour on hold to get 0 information.
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Department of EdXXXXAidvantage reported late payment on XX/XX/2018 for all loans when a forbearance request was submitted and approved. Loan company stated they would correct and remove late payment. They did not do it.
|
| 05/06/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
CALLED THE FEDERAL STUDENT AID DEPT ABOUT THE STATUS OF THE DISCHARGE OF MY FEDERAL LOANS SINCE MY APPROVAL OF SUCH DISCHARGE 8 MONTHS AGO AND WAS NOT GIVEN A SUFFICIENT ANSWER ON WHY THEY WERE NOT DISCHARGED AS OF YET.
|
| 04/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 U.S.C 1681 section 602A states I have the right to privacy.
15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C
|
| 08/09/2023 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
They wont work with you regardless of your situation. I filled XXXX XXXXXXXX bankruptcy back in 2016 because I couldnt afford my bills and other bills were garnishing my wages and they didnt even care to work with me.
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Department of Ed/Aidvantage reported late payment on XX/XX/2018 for all loans when a forbearance request was submitted and approved. Loan company stated they would correct and remove late payment. They did not do it.
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
the Dept of Education is still showing that I owe {$330000.00}. I have had this paid off since XXXX! I can not get a mortgage or any other credit since this makes my debt to income ratio too high. My life is on hold!
|
| 03/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
On XX/XX/2023 received a email stating my loan is discharge. I went online on the portal in I see adjustments on the original loans but not on the consolidated loans. I need the adjustments on the consolidated loans.
|
| 07/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
President Biden has canceled student loan debts worth {$3.00} XXXX. And this cancelation includes the {$500.00} XXXX of XXXX XXXX student loan forgiveness.
I am a former student and attended the college from XXXX.
|
| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My loan is listed twice on my credit report so it looks like my debt is double what it should be. One Loan is shown as DEPT OF EDXXXX and the other is MOHELA/DEPT OF ED. XXXX is the current processor of the loan.
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( moO 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
|
| 11/14/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
My refund check was mailed on XXXX. I have the voicemail and have double checked with aidvantage. Its been two weeks and my chuecj has not come in the mail. {$15000.00}. I got approved for this refund on XXXX.
|
| 10/25/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
My loans were transferred from my fed loan to Aidvantage prior to my refund request being processed. And now it has been nearly a week and Aidvantage still doesnt have my transferred account or refund request.
|
| 04/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I can't log into my Aidvantage account. The wheel keeps spinning and then goes to an error page. I've tried this on three different browsers, first on XXXX and XXXX. in XXXX it doesn't populate the login box.
|
| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
My student loans were in forbearance and in the same time period I received negative late payment errors on report. I reached out and they said it was resolved but these late payments are still on my report.
|
| 11/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
It XXXX accounts that were open in my name that I didnt attend college. These are the amounts XXXX. {$7500.00} XXXX. {$7100.00} XXXX. {$6800.00} XXXX. {$6200.00} XXXX. XXXX XXXX. {$3300.00} XXXX. {$2400.00}
|
| 09/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Older American |
|
I was told my payments will be {$980.00} a month for 11 months and then {$2000.00} for the next 178 months. I am XXXX on a fixed income and with the bills I have the amount is not possible for me to pay
|
| 06/14/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I got my student loan over 20 years ago. I did not speak to a counselor to guide me. I had no idea what I was getting myself into- I was young and had no guidance- was lost in school and had to drop out.
|
| 04/04/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
Before AidVantage, my payment was 1/4 of the payment that AidVantage is suggesting.
The payment suggested is ridiculously, and unreasonable, and not managementable. No reasonable alternative is offered.
|
| 11/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have been trying to renew my income based payment plan and switch to the SAVE plan on the aidvantage.com site since XXXX. I have spoken to their customer service and my application is still in limbo.
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Good afternoon, Aidvantage account ending in XXXX {$3800.00} 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!
|
| 01/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have tried years to fix loans being incorrect or delinquent. They closed the loan and keep bringing it back. Every 6 months. That is not fair. I want the information correct and my name and address
|
| 09/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I have called emailed about 7 times I have had a credit balance for now over 30 days from borrowers defense payments back to my acct they refuse to release my funds to me .it 's owed I have a credit
|
| 10/11/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I requested a refund 6 weeks ago and I have called them 4 times for updates since then. No progress has been made on my request and I need the refund in order to apply for student loan forgiveness.
|
| 01/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I have student loans from XXXX that Ive had since I was XXXX. They just recently transferred them over to a different company ironically rigt when they had a lawsuit against them for XXXX us over.
|
| 11/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Aidvantage website had misleading pop-up message leading me to believe I had to recertify my income driven repayment plan. I learned through another website that I didn't recertify until mid XXXX
|
| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am disputing XXXX XXXXXXXX XXXX on my credit report by aidadvantage. I submitted documents showing that these loans are dismissed due to a lawsuit and Needs to be removed from my credit report.
|
| 11/06/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Requested refund on my payments, was told 4-6 weeks I would have my payments refunded to me but nothing. I called customer service multiple times but I would get different information each time.
|
| 07/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
All Students loans were Paid-In-Full with Aidvantage back in XXXX XXXX Credit Bureau still shows a balance of XXXX XXXX I demand to have to correct balance reflected as XXXX XXXX Immediately!
|
| 11/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
The inaccurate accrual of interest has compounded and been added my my original loan amount, throwing the aggregate limits over budget and kicking me out of finishing my senior year in college.
|
| 05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
XXXX, XXXX AND XXXX XXXX ARE STILL SHOWING ALL MY DEPT. OF EDUCATION/XXXX LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.
|
| 05/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
My account is now split into 2 identical accounts. The only difference is that one has a balance and the other does not. I am owed a refund for money paid as a result of the XXXX settlement.
|
| 01/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
Older American |
|
I have XXXX for students loans. They recently sold my loans to another company. I think its because of the lawsuit against them so I wont be included in getting debt relief. Can you help me?
|
| 10/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
I have been in education for 4 years now going on 5 and wanting to get my loan forgiven. I have reached out and haven't gotten any response to this. I have also done public loan forgiveness
|
| 08/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My student loans was transfered from NaviXXXX to Aidvantage, when I was with NaviXXXX my total loans I owed was {$20000.00}. Aidvantage has to add another XXXX on my loans. ThIS is FRAUD
|
| 12/07/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
All these accounts do not pertain to me its fraudulent and not my information. And I would like them to be removed from my credit report. I would also like this issue to be investigated.
|
| 12/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I paid my student loan through AidVantage on time on XX/XX/XXXX and it reported a late payment on XX/XX/XXXX affecting my credit score. It's extremely difficult getting ahold of them.
|
| 08/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
Trying agree to payment plan that I can not afford. I also filed for bankruptcy in XXXX finalized in XXXX and listed my student loans as debt. But i am still obligated to make payments.
|
| 12/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I requested a refund for payments made during the pandemic freeze, and it has been over XXXX weeks and there is still no information about my request or any movement within the company.
|
| 10/25/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I have been making monthly installments over a few years now to navient. My students loans have not decreased and keeps increasing supposedly due to the interest charges month to month.
|
| 02/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I would like to payoff my student loans ( Account XXXX XXXX ). However, my loan servicer refuses to provide the payoff information and the wiring instructions to provide payoff amount.
|
| 07/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
XXXX will not release my transcript.I withdrew from on line class.My grandmother passed away as well as I was sick with the flu.I was charged for ebooks that I never once looked at.
|
| 01/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
XX/XX/28 Request was sent for student loan refund. I was told processing wait would be 10-14 weeks. Have not received any refund or change in balances on Aidvantage loan servicing.
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I never attended XXXX XXXX XXXX. I graduated in 2018 from somewhere else. I never went back to college. I think this was listed as a prospective school but I never attended here.
|
| 11/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
My loans are currently in forbearance. I never asked for my loans to be put in forbearance. I asked XX/XX/XXXX for them to be taken out of forbearance and they have not done so.
|
| 09/01/2022 |
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 |
|
|
Took out and paid off student loan in XXXX but keeps appearing on credit report every few years as unpaid by US dept of education in the amounts of both {$3700.00} & {$2100.00}.
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Now that my loan was transferred, Aidvantage has not updated the credit reporting agencies with this information. The balance and date closed fields would need to be updated.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have reached out and filed a dispute in reference to the incorrect items on my credit report. It has surpassed the 30 days and I haven't received any investigation results.
|
| 07/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Yesterday I received a notice from Aidvantage stating that my student loan payments will resume on XX/XX/2022 but the moratorium on student loan payments is until XX/XX/2022.
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Incorrect amount shown for student loan payment of {$3500.00} correct amount should be {$350.00} and I have statement showing correct payment amount with dept of Education.
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
My student loan from the Department of Education is still open, although I was awarded XXXX and XXXX XXXX. Because I am a percent XXXX Veteran. The account should be closed
|
| 02/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
The loan was consolidated from XXXX XXXX in 1997. The interest rate is/was 3.120 %. Since 1997, I have continued to make payments on the loan and the loan has not paid off.
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Some of my student loans are reflecting as late or never paid. However, all my student loans are in good standing. The bureaus are not reporting correcting, accurately.
|
| 01/14/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
I can not pay anything I have been out of work for 14years because I am a caregiver for my son who is non verbal autistic and have have only one income from my husband
|
| 11/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Servicemember |
|
aidvantage 's response was nonsensical. aidvantage is to update my address to the same address I have used for the last XXXX years.
XXXX XXXX XXXX XXXX XXXX, CA XXXX
|
| 10/25/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I called to request a loan refund on XX/XX/26 and was told that it would take 8 weeks. After I called back today, I was told that it will take another 4 to 6 weeks.
|
| 10/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Older American |
|
I want to pay off student loans I live in XXXX I want to make payment by XXXX XXXX transfer I need bank details- Name, Account numbert, XXXX, XXXX and XXXX codes
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I filed bankruptcy and went in front the federal judge and got my student loans discharged through federal court and the dept of education wont accept the results.
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I told company it was fraud and they refused to provide info or delete account. My information was breached in the XXXX breach and social security number was used
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
Potential fraud n identity theft from university, while using these loans n me never being enrolled, but the XXXX semester of XXXX, and Thats all. Wow. Pls look.
|
| 05/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
a third letter was sent on XX/XX/14 to request the proof of securitization and the original instrument with wet signature of the contract between aidvantage and I
|
| 03/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Aidvantage is saying I have a student loan payment due on XX/XX/2022. I got this email today, XXXXand the amount for an IDR is ridiculous. XXXX? I cant pay that!
|
| 10/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Can not get a hold of anyone on XX/XX/16. Called the number listed and no one every answered. Was on hold for XXXX hours. And called XXXX times and no response.
|
| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
The company is reporting that I have late payments on accounts that were in deferment. I have tried calling and explaining, but no one listens to my complaints.
|
| 11/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Submitted a refund for a loan 12 weeks ago.
The timeline has changed multiple times and I havent received a straight answer on when I am receiving my refund.
|
| 08/15/2022 |
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 filed a dispute in regards of the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
|
| 05/05/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
My loan was reserviced to AidVantage, and I just received a letter that my interest balance has increased since XX/XX/2020 when interest payments were paused.
|
| 08/23/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My student loan was recently taken over by aidvantage and the information shown is saying I have twice the amount of loans than what I was originally loaned.
|
| 06/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
|
| 11/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have never received a bill. Customer service wont help me take care of setting up payment plans. Company wont give me information to resolve the loans.
|
| 03/09/2023 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Problem with signing the paperwork
|
|
Web |
|
|
On my credit report is my ex wifes student loans and it showed me being a co signer?
I have a letter of documentation stating she is responsible only
|
| 12/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
Servicemember |
|
I have requested student loan forgiveness, forbearance and economic hardship. Nothing has been done or submitted to remove, paused or delay charges.
|
| 07/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
Servicemember |
|
Aidvantage formally known as XXXX keep placing my loans in forbearance after I told them not too and I supposed to be under income driven payments
|
| 02/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Requested a refund of payments made per the CARES Act on XX/XX/22. Followed up on XX/XX/22. Still have not received this federally obliged refund.
|
| 11/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Aidvantage keeps resending my payment. {$170.00} on XX/XX/XXXX and then {$340.00} on XX/XX/XXXX. And then they added a {$19.00} fee for late fees
|
| 11/12/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
NAVIENT SOLD MY LOAN TO A UNKNOWN THIRD PARTY XXXX WITHOUT MY CONSENT AND MADE IT HARD TO FIX THE LOAN. THERE WASNT ANY COMMUNICATION FOR YEARS.
|
| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
My student loans were discharged XXXX of XX/XX/22. XXXX XXXX XXXX hasn't updated the information and paid off status of my student loans account
|
| 08/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
I filed for bankruptcy in 2016 and my student loans were listed on the court documents. However they were not removed and I still owe on them.
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
ON XX/XX/2022, Sent a letter to XXXX, XXXX, XXXX, And XXXX informing them the information they are report to my consumer report is inaccurate.
|
| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My account is showing 90 days late in XX/XX/XXXX and 120 days late in XX/XX/. I was not late. My account was up to date due to forbearance
|
| 04/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have duplicate account showing with different account numbers but its the same account. It should be only one account with one reporting.
|
| 12/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Servicemember |
|
Since XXXX I have had a crefit balance they said a few months it's been 4 months and they have not disbursed our borrows defence pay back.
|
| 10/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I have not heard back from the new company that is handing my student loans. The payme t amounts keep changing and I am unsure what to do.
|
| 02/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a few late payments but i was inside of a deferment program, ill like the late payments removed from all my accounts. i wasnt late
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
This account is not supposed to be reporting according to FERPA. This is what I supposed to be going by according to this law/regulation
|
| 01/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My DOE loans were transferred to XXXXI then went to XXXX told me to go to XXXX... What is the relationship betweenXX/XX/XXXX & XXXX???
|
| 11/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
|
My address has not changed in the last 13 years. It is still XXXX XXXX XXXX XXXX XXXX, CA XXXX But they can't seem to get this right.
|
| 01/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
They broke the law as per fdcpa is intended to secure my right to privacy i did not give them written consent to report on my behalf.
|
| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
My Student loans from Advantage shows that I still owe a balance. It was discharged in XX/XX/2022. It needs to be updated correctly
|
| 07/05/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
on XXXX I received a response to my initial dispute. I just need clarification on the things that they specified in their response.
|
| 10/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Servicemember |
|
Per all past correspondence and the terms and conditions of the paperwork I have not received a bill showing what I owe this month
|
| 04/03/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Aidvantage is in violation of my consumer rights as a natural person, original creditor.
15 USC 1692e 15 USC 1692f 15 USC 1692j
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Family Educational Rights and Privacy Act ( FERPA ) Prohibits a company from sharing personal information without giving notice
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
This account never authorized by me and is a fraudulent account XXXX XXXX XXXX XXXX XXXXXX/XX/2015 XXXX XXXX XXXX XXXXXXXX XXXX
|
| 07/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
My student loans are from XXXX. I was mislead into believing that repayments would be affordable and correlate to my income.
|
| 04/14/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I NEED THIS REFLECTED ON MY CREDIT REPORT AS PAID IN FULL IMMEDIAETLY AS ACCOUNTS ARE ALREADY PREPAID PER 31 U.S. Code 3123.
|
| 02/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Aidvantage owes me a refumd check from loans that were taken out from the XXXX XXXX XXXX lawsuit. Ive yet to see any money.
|
| 09/10/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account is not mine. I was apart of a data breach in 2008 with someone using a similar name to take out student loans.
|
| 11/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Attempted to speak with a representative over the past XXXX weeks with no success and wait times for hours with no answer
|
| 04/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
Student loans late payment XX/XX/2019 incorrect as they were deferred. Please delete all negative items for inaccuracy.
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I reached out to XXXX the original debt collector they couldnt find the account nor had any information to assist
|
| 11/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
i received a statement from aidvanatge today saying i owe XXXX $ payment. i dont understand what is going on
|
| 07/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
My loans are all consolidated, therefore ; it should show one loan not 15 open accounts on my credit report.
|
| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Loans are not the same on all XXXX credit reports so something is inaccurate and I would like it removed
|
| 07/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Late payments are being reported on my credit reports that and inaccurate. Never had a late payment.
|
| 03/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Account reporting as 90 days past due and has never been past due income base repayment plan at XXXX
|
| 08/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Received to pay student loan XX/XX/XXXX from Aidvantage while Biden hasnt confirmed extension yet..
|
| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This was apart of a litigation. This should not be reported on my credit report as it is forgiven.
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
They are reporting 6 months of missed payments, when that's not true. Also the dates are wrong.
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I was never notified XXXX sold 2 loans and the company Aidvantage never notified me either.
|
| 11/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Payments are being reversed with no explanation causing me to be delinquent on my payments.
|
| 12/18/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
RE : XXXX Failed to validate alleged debt. Did not follow-up.
XXXX tracking number : XXXX
|
| 09/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
AidVantage student loans taken out in my name. Not my loans and have no knowledge of them.
|
| 08/06/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I would like all of my student loan accounts removed pursuant to 15 usc 1681 ( b ) ( 2 ).
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have contacted them about this issue but yet my late payments are still on there.
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Late payments on my credit report I was never late they need to be updated as paid
|
| 03/29/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
years ago my identification was stolen and this student loan was not opened by me.
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My identity was stolen. Someone enrolled in college in my name and used my credit
|
| 04/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
A student loan is holding for 11yrs and 3 months XX/XX/2011 Dept of ed/AIDVANTAGE
|
| 07/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The amount owned is incorrect, its unlawful and unconstitutional and fraudulent
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
company is in willful violation of the Gramm Leach Bliley Act. See Attached.
|
| 09/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Child support does not belong to me and my credit was ran without my consent
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Inaccurate items reporting on my credit report and that is against the law.
|
| 06/15/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
This creditor is making it hard for me to move on to a better XXXX XXXX.
|
| 02/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Never received loan information about transfer from XXXX to aidvantage.
|
| 09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I placed my student loans under bankruptcy and received a discharge.
|
| 04/28/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
im not even in school and need this information gone immediately
|
| 08/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I filed bankruptcy 2018 was told could not include student debt
|
| 08/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
They dont want to work with you regardless of your situation.
|
| 11/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
There is an unexplained {$470.00} charged that has no basis.
|
| 04/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
Servicemember |
|
Never gave Navient consent to report on my consumer report.
|
| 12/16/2022 |
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 |
|
|
Remove all negative items thats over 180 days. Per THE LAW.
|
| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I want the student loan debt removed from my credit report
|
| 08/09/2023 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
keeps popping up on my credit causing negative remarks
|
| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
student loans on credit report without written consent
|
| 09/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts was fraudulently open identity theft
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
incorrect information reporting. Please delete.
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Still on my report ask to be remove immediately
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX am a victim of identity theft.
|
| 02/13/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
the following accounts do not belong to me.
|
| 07/22/2022 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
these accounts are fraud and not mines
|
| 05/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
No knowledge of this account
|
| 06/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
account not mine
|
| 02/13/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/12/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/12/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 02/12/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/11/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/10/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/10/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 02/09/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 02/09/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 02/09/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 02/09/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 02/08/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
|
| 02/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
Older American |
|
|
| 02/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
|
| 02/04/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 02/04/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 02/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/03/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 02/03/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
|
| 01/31/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
Servicemember |
|
|
| 01/31/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Bankruptcy
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Older American |
|
|
| 01/29/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Didn't receive services that were advertised
|
|
Web |
Servicemember |
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
Older American |
|
|
| 01/27/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 01/27/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 01/26/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
|
| 01/26/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
|
| 01/26/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Referral |
|
|
|
| 01/25/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Referral |
|
|
|
| 01/24/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Older American |
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 01/24/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Referral |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
Servicemember |
|
|
| 01/19/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Postal mail |
|
|
|
| 01/18/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Debt collection
- Federal student loan debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Older American |
|
|
| 01/12/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
|
| 01/12/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 01/11/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Older American |
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 01/08/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Referral |
|
|
|
| 01/07/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
|
| 01/05/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
Servicemember |
|
|
| 01/03/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Student loan
- Private student loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Co-signer
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Postal mail |
|
|
|
| 01/02/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 12/31/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/31/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/31/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 12/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 12/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 12/25/2023 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
|
| 12/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Servicemember |
|
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with your payment plan
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Referral |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Older American |
|
|
| 12/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 12/13/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
|
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
|
| 12/10/2023 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Phone |
Older American, Servicemember |
|
|
| 12/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
Older American |
|
|
| 12/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Referral |
|
|
|
| 12/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|