Consumer complaint received 2020-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I would like to file a formal complaint against FedLoan for paid student loan payments that were reported as delinquent. This is an effort to correct the errors made to my student loan account. I am a XXXX  and XXXX  XXXX Veteran as of XX/XX/XXXX. Before that I had been going through a series of health and financial issues at reoccurring points. In XXXX I made a goal to rid myself of debt entirely because the payments were drowning me financially which had a negative impact on me physically and mentality. I took a job overseas and began my journey of removing myself from debt as well as seeking other sources for help as far as my physical/mental body. In the year of XXXX I made several payments to include excess payments as well. I have attached receipts showing my payments were made on time to Fed Loan. These receipts are all confirmations to my email because when I attempted to access my payment history on the FedLoan website I received an error message which I have also attached. I have attached screenshots of the error messages received under my account when I log-in to check my payment history. I no longer had access to that once my XXXX and XXXX XXXX XXXX Application was approved. 


During this process my credit score has been negatively impacted due to incorrect filing on the part of FedLoan. It has been reported my student loan payments were late for the following months ; XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. This was the period just before I submitted my application in XXXX. In XXXX I consistently made on time payments to FedLoan to include excess payments which are recorded on the receipts. My claim with the VA was approved on XXXX XX/XX/XXXX at which I was informed that the following steps should happen ( see below ) : VA Documentation If we determine that you are totally and permanently disabled based on documentation from the VA, XXXX will notify you that your loans and/or TEACH Grant service obligation have been discharged and instruct your loan holders to return any loan payments received on or after the effective date of the VAs disability determination to the person who made the payments. 


Based off of the supporting documentation I am supposed to receive a refund payment based of the effective date of the disability determination. I am led to believe this was intentional and ask for a third party to assist in the matter. It is disappointing to think a loan servicer would go so far as to ruin my credit after I had recorded on time payments for several years. I would have never known this mishap occurred if it werent for the credit monitoring subscription I keep handy. I have been avidly attempting to gain an exceptional credit score for a few years now. I feel as though any private company servicing the government should use more trusting companies when it comes to handling individuals debt obligations. For FEDLOAN to go back and record I paid late is a dishonest disservice to the American people who are heavily indebted.