Consumer complaint received 2022-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TN)

To whom it may concern : As you should be aware, Congress enacted the XXXX XXXX XXXX XXXX XXXX ( XXXX  ) through the College Cost Reduction and Access Act ( Public Law 110-84 ) on XX/XX/XXXX as encoded in 34 CFR 685.219. To administer this program, the Department of Education contracted their the collection of student loan debts to servicing companies. Additionally, you have provided guidance to protect against sloppy servicing by the federal student loan industry. On XX/XX/XXXX, the Department of Education issued rules for the XXXX XXXX XXXX that in part relaxed the strict rules in which my loans made under the XXXX XXXX XXXX XXXX were allowed to count. Thus, over XXXX ( XXXX ) years of payments to qualified for the XXXX. Therefore, please treat this as a specific compliant against the Pennsylvania Higher Education Assistance Agency doing business as Fedloan Servicing in the name of the United States Department of Education in which money is owed to me likely Fedloan Servicing as the agent for the Department of Education. 

Significant Facts : Fedloan Servicing is a debt collector under the meaning of the Fair Debt Collection Practices Act, 15 U.S.C. 1692a 803 ( 4 ) Fedloan Servicing certified and reported 152 qualifying payments to the Department of Educations XXXX XXXX XXXX XXXX XXXX and notified me on XX/XX/XXXX. The estimated date of eligibility was XX/XX/XXXX. ( Attached. ) On XX/XX/XXXX, I notified Fedloan Servicing via certified mail that, in part, their XXXX  counts were wrong and omitted XXXX ( XXXX ) payment periods associated with a previous Employment Certification as a federal employee with the XXXX XXXX XXXX XXXX. These payment periods were for XXXX through XX/XX/XXXX. Additionally, in good faith, I notified Fedloan Servicing that they had incorrectly certified XXXX and XX/XX/XXXX ( XXXX payments ) in which I was unemployed. 
On XX/XX/XXXX, I was notified that Fedloan Servicing that my XXXX  was granted and that I had made XXXX qualifying payments. 
Fedloan Serving notified the credit reporting agencies that my student loan tradelines were closed as of XX/XX/XXXX with a XXXX ( $ ) balance and is being reported as such by XXXX and XXXX. 
The Department of Educations guidance allows for refunds of payments made after the eligibility XXXX  date. 
In a letter dated XX/XX/XXXX ( attached ) received XX/XX/XXXX, Fedloan Servicing indicates that my student loans were forgiven as of XX/XX/XXXX. And, Fedloan Servicing capriciously states that there was no need to have the months from XX/XX/XXXX through XX/XX/XXXX count as qualifying toward XXXX  ( emphasis added ). 
BaseXXXX XXXX XXXX XXXX XX/XX/XXXX notification and their separate certification of XXXX payments to the Department XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, I am owed at least {$2400.00} plus interest if applicable for over payments. 
Based on my calculations correcting for the months that were arbitrarily and capriciously omitted by Fedloan Servicing using Fedloan Servicings Transactions History retrieved XX/XX/XXXX ( attached ), I am owed at least {$3000.00} plus interest if applicable for over payments for XXXX qualifying payments. 

Therefore, FedLoan Servicings serving of my federal student has created many hours of frustration and unneeded hours of research, scrambling and paperwork. Their communications are inconsistent and misleading. Their XX/XX/XXXX letter documents their actions and internal contradictions that in turn, harms me and my family creating more frustration and anger. 

As such, I formally request that your agency to intervene as the federal regulator of this industry and forward my claims for relief. It has become clear the Fedloan Servicing likely retaliated to deny the {$3000.00} refund and falsely reported the credit reporting bureaus of the closure date status of my student loans. What is unknown, is whether or not the funds have been kept to unjustly enrich Fedloan or if the monies were actually forwarded to the U.S. Treasury. 

Sincerely, XXXX XXXX, XXXX. 
XXXX XXXX