Consumer complaint received 2017-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

I was billed in XX/XX/XXXX and XX/XX/XXXX for the months of XXXX, XXXX, XXXX and XXXX, XXXX,XX/XX/XXXX. I was attending school during the time of XX/XX/XXXX - XX/XX/XXXX full time qualifying as in school deferment. Somehow I was n't reported being in school at time that led up to fed loan billing me for those months. I did n't realize it until I checked my credit score to make sure it was good enough to apply for a XXXX XXXX with the XXXX XXXX considering that 's what I majored in. Fed loan had reported to the credit bureau as having 2 late/missed 90 day payments which damaged my credit report substantially. I been going back and forth with fed loan for about 3 months now and filing disputes with all 3 credit bureau to please remove the 2 late/missed payments due to an error, misunderstanding or late communication threw fed loan and the school. I have been denied 2wice with credit bureau and this 3rd time I mailed all my school documents and proof of school enrollment and an explanation that caused this error with fed loan, I still was not granted my removal from the credit bureau and at the same time when I was disputing this error I was going back in fourth with fed loan agencies.XX/XX/XXXX I spoke to XXXX his id # XXXX on a recorded line, after going over my account he assured me that within 7-10 days my account would be corrected and I should have not been billed for those months.. ( no change accurred ) XX/XX/XXXX I called back and spoke with XXXX I 'd # XXXX on a recorded line same process again, she said she do n't know why my account was n't updated, she said she will send it to review and tell them to update and removal the late payments and that I should see the changes by the end of the month when they do their reporting to the credit bureau. Still no removal of the late payments but instead fed loan removed my forbearance and deferments from my account and granted me an in school deferment for XX/XX/XXXX-XX/XX/XXXX. Fed loan took deleted a lot of my pay as agreeds and still did n't remove the late payments and when fed loan deleted my previous pay as agreed it dropped my score by XXXX more points making it fall from fair to bad.. So my score was affected twice due to errors and I do n't think that right and they should not be able to control people credit report like that. So now fed loan is saying I was under half time. I took 4 classes in XX/XX/XXXX -XX/XX/XXXX putting me at 12 hours full time, I dropped one of my classes making it 9 hours and at the end of the semester the school reported I was half time but I did n't return to school the next semester so therefore they trying to say I was half time. I did n't register for the next semester so they do n't know if I was registering for full time hours or half time hours. Fed loan is so difficult to deal with and want try to help you in at all. They want admitt to their mistakes and keep giving you the run around and making excuses to fix their mess up. I have all my documents and can prove my request.