Consumer complaint received 2020-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

To whom it may concern, I have been trying to managing this process with the TEPSLF opportunity since XXXX. Attached is the letter I received from FedLoans denying me the TEPSLF because the expected monthly income driven payments did not match what Fedloan Servicing was automatically ACH from my checking account so the reviewer automatically denying my appeal. The attached letter from FedLoan Servicing states my monthly income driven payments should have been {$230.00} which would have totaled {$2800.00} over twelve months. Below is a copy of all my payments from XX/XX/XXXX to XX/XX/XXXX. If you add up all my payments plus the additional chucks of money I sent in as extra payments over the twelve months, my payments add up to be {$4600.00} and please note that my monthly deduction amount was adjusted to {$130.00} effective XX/XX/XXXX. 

When I received the letter dated XX/XX/XXXX, which I attached a copy. I called Public Loan Forgiveness and spoke with a representative ( id # XXXX XXXX XXXX and I explained everything to her. She advised that she would submit an appeal to the Service Recovery who in turn would have the Treasury Management Team review my account. That conversation took place in XX/XX/XXXX. I have called XX/XX/XXXX as well as XX/XX/XXXX and was advised there is no updates to my account. This is unacceptable! I called again this morning and was basically told this issue is still being reviewed. The other thing I was told was that the payment plan I am on does not exist anymore. 

I am very frustrated! I have paid over {$1800.00} extra compared to the monthly income driven payment plan. I feel like I am be punished for paying the ACH payments for my student loans. 

All I asked was for my account to be reviewed again because obviously the person who reviewed my account originally did not consider the additional payments I made to my ACH monthly payments. The customer service department has not helped me and whenever I have asked to speak with a manager I have been ignored and circumvented to another representative or told that there are no managers available. 


Date Description Category Amount XX/XX/XXXX Withdrawal ACH FEDLOANSERVICING/TYPE : STDNT LOAN ID : 9 Student Loan XXXX  {$130.00} XX/XX/XXXX Withdrawal ACH FEDLOANSERVICING/TYPE : STDNT LOAN ID : 9 Student Loan XXXX {$130.00} XX/XX/XXXX Withdrawal ACH FEDLOANSERVICING/TYPE : STDNT LOAN ID : 9 Student Loan -  {$130.00} XX/XX/XXXX Withdrawal ACH FEDLOANSERVICING/TYPE : STDNT LOAN ID : 9 Student Loan XXXX XXXX XXXX Withdrawal ACH FEDLOANSERVICING/TYPE : STDNT LOAN ID : 9 Student Loan -   {$130.00} XX/XX/XXXX Withdrawal ACH FEDLOANSERVICING/TYPE : STDNT LOAN ID : 9 Student Loan - {$160.00} XX/XX/XXXX Withdrawal ACH  FEDLOANSERVICING/TYPE : STDNT LOAN ID  : 9 Student Loan - {$160.00} XX/XX/XXXX Withdrawal ACH FEDLOANSERVICING/TYPE : STDNT LOAN ID : 9 Student Loan - {$160.00} XX/XX/XXXX FEDLOANSERVICING Extra Payment Student Loan - {$630.00} XX/XX/XXXX Withdrawal ACH FEDLOANSERVICING/TYPE : STDNT LOAN ID : 9 Student Loan XXXX  {$160.00} XX/XX/XXXX Withdrawal ACH FEDLOANSERVICING/TYPE : STDNT LOAN ID : 9 Student Loan -  {$160.00} XX/XX/XXXX FEDLOANSERVICING Extra Payment Student Loan - {$1000.00} XX/XX/XXXX Withdrawal ACH  FEDLOANSERVICING/TYPE : STDNT LOAN ID : 9 Student Loan - {$160.00} XX/XX/XXXX Withdrawal Ach  Fedloanservicing Student Loan - {$160.00} XX/XX/XXXX Withdrawal Ach Fedloanservicing Student Loan -  {$63.00} XX/XX/XXXX Withdrawal Ach Fedloanservicing Student Loan XXXX  {$160.00} XX/XX/XXXX Withdrawal Ach Fedloanservicing Student Loan - {$160.00} XX/XX/XXXX Withdrawal Ach Fedloanservicing Student Loan XXXX  {$160.00} XX/XX/XXXX Fedloanservicing Extra Payment Student Loan - {$670.00} XX/XX/XXXX Withdrawal Ach Fedloanservicing Student Loan XXXX  {$160.00} XX/XX/XXXX Withdrawal Ach Fedloanservicing Student Loan - {$160.00}