Consumer complaint received 2017-09-06
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
All Details Are In Submitted Documents Overview 1 ) Mass disinformation over several months between several Fed Loan Reps, XXXX Reps, and Credit Reporting Specialist when trying to resolve and getting severe push back when I point out inconsistencies followed by false sense of confidence with bad information 2 ) Severe Delays in XXXX and  communication between IRS and Fed Loans. 
Falsely told I must submit XXXX and XXXX  Forms all at same time. Told Incorrectly how to fill out regarding process ( details in submitting documents ) 3 ) False Reassurance when Fed Loans Rep reassured me my students loans would receive an " Administrative Forbearance due the the extensive " backlog '' / processing delays combined with the misinformation of the XXXX processing. This deceptively reassured me that I did not have to worry about credit reporting issues. 

4 ) After IRS and Fedloans finally got on the same page, uploaded docs and was approved for XXXX. I was again reassured that the Administrative Forbearance would reverse the negative credit reporting. 

Of course when I followed up the story changed. 

Thankfully they have been exposed with the lawsuit put forth by the Massachusetts Attorney General which after reading the claim was textbook in what consumer harm occurred to me and is stiil occurring. 

Fed Loans needs to remove ALL my " late payments '' indicated in the letter from ALL Credit Reports and also must update the inaccurate consumer data regarding to Term, XXXX, and current loan balances ( just like Fed Loans does with Monthly Payments ). Again per Data Furnishers Responsibilities : CFR : Title 12, Banks and Banking ; Ch.10, The Bureau of Consumer Financial Protection ; Part 1022 - FCRA ( Regulation V ) ; Subpart E : Duties of Furnishers of Information " ..directly or indirectly, materially or communicatively provide inconsistent guidance that misleads the consumer and/or creates cause, resulting in misrepresentation of a consumers creditworthiness reflected on the national reporting credit agencies ; thus, direct cause in the creation of undue consumer risk, potential consumer harm. 

I am tired of years of some of the worst customer service ever experience. 
I am submitting this to VA State Attorney General, FTC, and my Congressional Representatives. I refuse to be demoralized by several issues already demonstrated as a pattern evident my the several complaints and law suits occurring surrounding XXXX XXXX and Fed Loan Deceptive and Unfair Practices. 

In Summary : per XXXX per FCRA - Fed Loans CAN NOT continually be in violation of the FCRA by " misrepresenting my creditworthiness '' or " misleading potential credit/loan grantors '' with inaccurate ; incomplete ; and withholding reporting the attributes of my loan terms ( " poor integrity '' ) of my consumer data, leading to consumer harm after several attempts to resolve over the phone ; Taken considerable time off ( work, family, etc ) to gather, analyze, process, capture, and present this case that has been due to the negligence, inconsistent, misleading, and incorrect XXXX XXXX customer service information that has resulted in emotional stress, and directly damaging my FICO Score thus preventing access to optimal loan/credit product that align with my true creditworthiness.

Company response to consumer: Closed with non-monetary relief