Consumer complaint received 2022-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

On XX/XX/XXXX, the Federal student loan flexibilities for the COVID-19 emergency have been extended through XX/XX/XXXX. 

On XX/XX/XXXX, FedLoan Servicing recalculated my monthly payment for my Income-Based Repayment ( IBR ) plan. " We used your income documentation and family size to determine your monthly payment of {$190.00} which is first due on XX/XX/XXXX. * '' My new monthly payment amount is " effective for all payments due between XX/XX/XXXX and XX/XX/XXXX. '' Since I am currently on a deferment or forbearance, I am " not due to make my first IDR payment on XX/XX/XXXX '' ( the account letter is on file at FedLoan Servicing, PHEAA ). 

On XX/XX/XXXX, FedLoan Servicing RECEIVED my ( YOUR ) PSLF FORM, and notified me with a letter about the receipt ( my account letter is at the FedLoan Servicing, PHEAA ). 

On XX/XX/XXXX, AFTER FedLoan approved my IDR Plan, and AFTER FEDLOAN RECEIVED MY LIMITED PSLF FORM/APPLICATION, FEDLOAN SERVICING reviewed my Income-Driven Repayment ( IDR ) plan form and could not process ( DENIED ) MY request for the following reasons : " MISSING INFORMATION - SUPPORTING DOCUMENTATION NEEDED : To continue processing your request, please provide a copy of your most recently filed federal income tax return or tax transcript and the enclosed page within the next couple of days. '' In all previous ( Nine ) years, FedLoan was accepting my paystubs as valid documents for re-certification, and just now, this year, FedLoan denied my most recent paystubs, where my yearly and monthly salary is printed. 

I allege that FedLoan purposely rejected my IDR application in order to disqualify me from the Limited PSLF Program, after I consolidated my student loans on XX/XX/XXXX, for which I have already had XXXX certified payments toward the PSLF Program, certified by FedLoan Servicing. This has happened on the same XX/XX/XXXX,, when " on XX/XX/XXXX, the U.S. Department of Education ( ED ) extended the student loan payment pause through XXXX XXXX, XXXX. '' This is an unlawful violation of the New Regulations toward the Limited PSLF Program. I sent an email/A COMPLAINT to the Press Office XXXX XXXX XXXX ) XXXX, U.S. Department of Education . 

More importantly, FED LOAN SERVICING DENIED MY APPLICATION AFTER " the Federal student loan flexibilities for the COVID-19 emergency have been extended through XX/XX/XXXX '' I insist an immediate reinstatement of my IDR ELIGIBILITY per my first original approval by the FedLoan Servicing on XX/XX/XXXX. My IDR plan, or Income Based Repayment Plan eligibility must be stated in a FedLoan Servicing written letter, and mailed to my home address. 

" The U.S. Secretary of Education XXXX XXXX stated, Today ( XX/XX/XXXX ), the Department of Education will begin to remedy years of administrative failures that effectively denied the promise of loan forgiveness to certain borrowers enrolled in IDR plans. These actions once again demonstrate the XXXX administrations commitment to delivering meaningful debt relief and ensuring federal student loan programs are administered fairly and effectively.