Consumer complaint received 2018-07-13
Company: GREAT LAKES
State: CA
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 my student loans were consolidated on XX/XX/XXXX according to XXXX./XXXX by XXXX, now known as 'XXXX. At no time ever after/post my XX/XX/XXXX consolidation did XXXX. ', now known as 'XXXX  ' or did any other lender that my loans were sold to i.e.  Great Lakes contact me, inform me, or make any attempt at any time to offer me other types of loan payment options, transfers or payment types ( a loan payment option***does not include a deferment** ) *. Additionally, all the above lenders nor did the any agency of the federal government ever inform me post XXXX of the passage of legislation related to the P.S.L.F. ( Public Service Loan Forgiveness Program. Today, XX/XX/XXXX @ XXXX Hours I called XXXX who took over XXXX. XXXX and I explained my predicament, and their representative 'XXXX XXXX replied, " We or XXXX. never informed our borrowers of the P.S.L.F, or payment options related to that! ". I have already applied, and been denied for the P.S.L.F. twice that I do qualify for as I have never missed a student loan payment, made over 120 payments, worked for a not for profit for over 10 years in a full time capacity. I also qualify for the new T.E.P.S.L.F. ( Temporary Expanded Public Service Student Loan Forgiveness Program, and am working with my Congressman XXXX XXXX to resolve this. I have authenticated the XXXX over over XXXX XXXX XXXX XXXX XXXX over my XXXX XXXX XXXX. Not getting my student loans forgiven is a disgrace. ( I have attached no documents because their are none and nothing to submit-'XXXX ' or did any other lender that my loans were sold to i.e. Great Lakes contact me, inform me, or make any attempt after/post my Consolidation of XX/XX/XXXX at any time to offer other types of loan payment options, transfers or payment types ( a loan payment option***does not include a deferment** ). Not informing me of the passage of the P.S.L.F. in XXXX, or engaging me as a borrower with any kind of basic information or options related to qualifying for the P.S.L.F. is a violation of fairness in lending, a lack of transparency and full disclosure, unethical, and well kind of tricky. An average and reasonable person would simply let their borrowers know of such changes or new programs that affect their student loan borrowers, it's simply an appropriate, fair and courteous response. It's crystal clear that 'XXXX '' now know as 'XXXX ' through their 'failure an omission to act ' didn't want to fairly and appropriately serve their borrowers, because if they did they would have simply done what an average citizen would have, and that is insuring all of the borrowers were treaty with fairness, clarity, respect and full legal disclosure of all that may effect them. Congressman XXXX XXXX 's office will be acting on my behalf you can also correspond with them as well as me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation