Consumer complaint received 2016-10-03
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I HAVE A STUDENT LOAN THROUGH ED FINANCIAL SERVICES SINCE XXXX XXXX THROUGH THE PRESENT. I AM HAVING ISSUES WITH MY ACCOUNT AND GOING BACK IN FORTH WITH THEM REGARDING MISSING PAYMENT HISTORY ON MY ACCOUNT IS NOT GOING NO WHERE. I DISPUTED THIS THROUGH THE CREDIT BUREAU XXXX, XXXX AND XXXX XXXX AND STILL NOTHING. ITS BEEN GOING ON SINCE XXXX XXXX AND THEN I NOTICE ON XXXX OF MY CREDIT REPORTS IT WAS REPORTING INACCURATE INFORMATION AND I BEEN DISPUTING THAT ISSUE SINCE XXXX OF XXXX AND HERE WE ARE XXXX OF XXXX STILL IT REPORTING THE SAME INACCURATE INFORMATION. I HAVE SENT IN FAX TO THE COMPANY TO SHOW THE ERRORS ON MY CREDIT REPORTS, I UPLOAD DOCUMENTS TO SUPPORT MY CLAIM, I SENT EMAILS REGARDING THE ISSUE AND TALKED TO SEVERAL REPRESENTIVE ON THE PHONE ABOUT THE ISSUE AND I TALKED TO XXXX XXXX TIMES ABOUNT THE ISSUE AND IT FEELS TO ME THEY DONT REALLY GET IT OR THINK ITS NO BIG ISSUE. I M SORRY THIS IS A BIG ISSUE. THERE IS I AM MISSING A MAJORITY OF MY PAYMENT HISTORY ON XXXX OF MY CREDIT REPORTS. ON XXXX CREDIT REPORT THEY HAVE ACCOUNT THAT IS CLOSED BUT REPORTING CURRENT WITH A BALANCE. JUST RECENTLY THE CREDIT REPORT GOT UPDATED BUT THE ACCOUNT IS STILL SAYING DATE CLOSED. SO LET ME START WITH XXXX XXXX CREDIT REPORT .MY XXXX XXXX CREDIT REPORT GOT UPDATED ON XXXX XXXX XXXX BUT THE ACCOUNT BEEN CLOSED SINCE XXXX XXXX, XXXX. THE BALANCE ON THE ACCOUNT IS XXXX AND ITS SHOWING CURRENT. HOW CAN YOU UPDATED ACCOUNT AND I BEEN CALLING, FAX YOU STATING THIS ACCOUNT IS CLOSED ACCORDING TO MY XXXX XXXX CREDIT REPORT. EVEN XXXX XXXX SENT SEVERAL DISPUTES REGARDING THE STATIC OF THIS ACCOUNT AND STILL NOTHING. ALL I GET IS WE DID N T CLOSE THE ACCOUNT. JUST LET THEM KNOW. WELL I HAVE ACCORDING TO XXXX XXXX THEY JUST CANT OPEN THE ACCOUNT BECAUSE I SAY SO. THEY ARE THE LENDER THAT WHAT THEY ARE SUPPOSE TO DO. THEY ARE SUPPOSE TO UPDATED CORRECT INFORMATION ON ONES CREDIT REPORT. SECOND ON MY HISTORY I AM MISSING XXXX PAYMENTS HISTORY SINCE XXXX TILL THE PRESENT. ON MY PAYMENT HISTORY IT SHOWS A X FOR UNKNOWN FOR THE MONTHS I AM MISSING. THE RATING ON XXXX XXXX CREDIT REPORT IS PAY AGREE WHICH SHOWS OKEY ANYTHING ELSE ITS NEGATIVE RATING. ON MY XXXX CREDIT REPORT I AM MISSING XXXX MONTHS OF PAYMENT HISTORY AND IT DATES BACK TO XXXX XXXX TILL THE PRESENT. THAT IS HALF OF MY HISTORY ON MY REPORT. SO BASICALLY IT SEEMS TO ME THEY HAVE NOT BEEN UPDATING THIS REPORT AT ALL. THAT XXXX AND WE ARE IN XXXX SO THAT IS 5 YEARS MINUS THE HISTORY THEY HALF ADD. DONT THEY KNOW THAT IF SOMEONE MAKES A PAYMENT ON ACCOUNT ITS THERE JOB AT THE END OF THE MONTH THEY ARE SUPPOSE TO GET WITH THE BUREAU AND UPDATED ONES CREDIT REPORT. NOT JUST SOME OF THE REPORT BUT UPDATE THE WHOLE REPORT EACH MONTH UNTIL THAT LOAN ITS PAY OFF. I WAS INFORM THAT MY DUE DATE IS XXXX OF EACH MONTH ON MY STUDENT LOAN AND THEY UPDATED MY CREDIT REPORT ON THE 30 DAY OF EACH MONTH. SO IF THAT THE CASE WHEN I LOG ON AND LOOK AT MY CREDIT REPORT I SHOULD SEE EVERYTHING CURRENT FOR THAT MONTH REPORTING. DATE REPORTED SHOULD REFLEX FOR THE MONTH XXXX XXXX, XXXX, LAST PAYMENT RECEIVED SHOULD REFLEX AS XXXX XXXX, XXXX DATE OF LAST ACTIVITY SHOULD REFLEX AS XXXX XXXX XXXX. THEN WHEN I LOOK AT MY 81 MONTH PAYMENT HISTORY FOR THAT MONTH I SHOULD SEE A KEY FOR PAY AS AGREE SAYING CURRENT. WELL ITS NOT REPORTING ANY OF THAT. FIRST OF DATE OF LAST ACTIVITY IS SHOWING XXXX XXXX. IVE DISPUTE THIS SEVERAL TIMES AND IT COMES BACK VERIFY AND NO CHANGE. HOW CAN THAT BE. ON MY CREDIT REPORT IT SHOWS PAYMENT MADE SINCE BUT THE DATE OF LAST ACTIVITY STATES AS FOLLOW DATE OF THE LAST BILLING STATEMENT, THE DATE THE CONSUMER MADE A PAYMENT .THEN ON MY XXXX CREDIT REPORT DATE OF STATUS XXXX XXXX XXXX. WHAT IS THIS, IT STATES THE DATE THE CREDITOR LAST UPDATED THE ACCOUNT AND I AM MISSING XXXX PAYMENT HISTORY ON THIS ACCOUNT. IT SHOWS ND FOR NO HISTORY

Company response to consumer: Closed with explanation