Consumer complaint received 2016-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (LA)

I have disputed XXXX of my FedLoan accounts in the past on 2 separate occasions due to not understanding why XXXX of my loans where left out of a consolidation which was done in XXXX through Fed Loan. The first dispute, they responded with an extremely generic answer that had nothing to do with my dispute and did n't address anything I was disputing in my correspondence to them. I spent {$20.00} on sending a package of details and I spent hours upon hours on the phone with their customer service representatives as well as researching online why they were doing what they had done concerning my loans. Leaving these XXXX loans out of my consolidation caused them to run out of forbearance and deferment time and for my other XXXX loans that were consolidated in XXXX of XXXX I was allowed to put the them in forbearance and deferment because apparently my time started over with these loans when they were consolidated. I was under the impression that when I called and had my loans put into forbearance or deferment status that all of my loans where included in this status and when I made payments that my payments are being dispursed amongst all XXXX loans as well. I went through an extreme hardship and XXXX that had and still has multiple XXXX and did n't have the time nor funds to take care of my student loans all of the time but when things were n't so hectic I did and have done my best to get my loans under control and pay back the debt that I owe. It is at that time these XXXX loans left out came to my attention. My problem with all of this is that I was never offered any sort of consolidation or never told that the XXXX loans left out where still behind anytime that I spoke to any customer service agent over the phone and when I did make payments, Fed Loan took it upon themselves to distribute the funds where they wanted. They have since then finally responded and informed me of why the XXXX loans where left out of the consolidation which took place in XXXX of XXXX but I still fill as though they are the experts and should 've brought all of this to my attention as an everyday average consumer rather than continuing to allow me to make payments on some of the loans they owned but not the others. HOWEVER, MY PROBLEM NOW IS NOT EVEN THE XXXX LOANS THAT WERE LEFT OUT OF THE CONSOLIDATION BUT INSTEAD THAT THEY ARE NOW REPORTING AN EXTRA STUDENT LOAN WITH THE SAME DEROGATORY HISTORY AS THE XXXX LOANS THAT WERE LEFT OUT OF TH CONSOLIDATION DONE IN XXXX WITH AN OPEN DATE OF XXXX XXXX. BOTH OF THE LOANS THAT I HAVE OPENED IN XXXX WHERE IN XXXX OF XXXX AND I 'M DONE DEALING WITH THIS COMPANY DIRECTLY. I 'VE SPENT HOURS UPON DAYS UPON WEEKS WORKING ON MY ACCOUNT THEY OWN AND NOW THAT THEY 'VE ANSWERED MY DISPUTE DIRECTLY, THEY 'VE GONE AND REPORTED AN EXTRA ACCOUNT ON MY XXXX CREDIT FILE WHICH IS NOT EVEN MINE. ALL OF THIS IS CAUSING MAJOR ISSUES WITH MY CREDIT SCORE AND CAUSING ME TO BE DENIED FOR THINGS THAT I HAVE WORKED HARD TO BE APPROVED FOR OR CAUSING MY INTEREST RATES TO BE HIGHER THAN WHAT THEY WOULD 'VE NORMALLY BEEN. I AM DEMANDING THIS ACCOUNT BE REMOVED IMMEDIATELY!!! I 'VE ATTACHED THE FOLLOWING ITEMS : MY CREDIT REPORT FROM EXPERIAN SENT TO ME IN XXXX WHICH SHOWS ONLY XXXX DEROGATORY FEDLOAN ACCOUNTS, THE LETTER SENT TO ME IN RESPONSE TO MY 1ST DISPUTE ( MY DISPUTE WAS XXXX PAGES LONG INCLUDING EVIDENCE ETC AND THEIR RESPONSE WAS XXXX PAGE LONG AND DID N'T ADDRESS ANYTHING I WAS DISPUTING ), MY FIRST LETTER SENT TO THEM DISPUTING MY STUDENT LOANS, FEDLOAN RESPONSE TO SECOND DISPUTE, MY 2ND DISPUTE SENT TO THEM, MY XXXX CREDIT REPORT I REVIEWED ON LINE NOW SHOWING THERE ARE XXXX DEROGATORY FEDLOAN ACCOUNTS, A LIST OF ALL MY STUDENT LOANS LISTED ON FEDLOAN WEBSITE PROVING I ONLY HAVE XXXX LOANS PRIOR TO THE XXXX MOST RECENTLY OPENED THROUGH A CONSOLIDATION. I FEEL AS THOUGH THEY ARE doing this intentionally.