Consumer complaint received 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
This is the conversation I had with DOE and XXXX XXXX today : XXXX  XXXX Replied XXXX min agoChat Started XXXX PM Please wait a moment while we connect you with a representative. 
This chat will be monitored and recorded for quality assurance purposes. 
There are XXXX chats waiting XXXX has joined the conversation XXXX  Thank you for contacting XXXX XXXX XXXX, my name is XXXX. How may I assist you today? 
I am trying to figure out the status of my student loan debt. Years ago I filed a complaint because I was qualified for the XXXX XXXX, but after years of makingpayments in accordance with DOE XXXX, I was told that I was making payments under the wrong repayment program and that none of the payments I had madewould be counted towards XXXX  and I would have to start over. A few years back my student loan debt was removed from my credit report and the DOE showed that XXXX nothing. Then, more recently, it shows that my student loans are in forbearance until XXXX. Can you please provide me with accurate information as to what hashappened? 
Hello? 

XXXX  Id be happy to assist you with this today. Would you mind holding for just a moment while I access this information? 
XXXX XXXX XXXX moment, please. 
Yes, Im here You currently have XXXX federal loans on file with a current balance of {$67000.00}. These loans are in XXXX XXXX to XXXX XXXX XXXX ( XXXX ), and no payments are due until XXXX/XXXX/XXXX. 
XXXX  Do you have any experience working in government or not-for-profit jobs since XX/XX/XXXX, or are you interested in learning more about XXXX? 
It is my understanding that a determination should have been made no longer than XXXX years after my complaint. I have never received any correspondence regarding thismatter. I worked in federal law enforcement for XXXX  years and am now retired. 
It was at the fault of the DOE for giving out inaccurate repayment information for XXXX. My situation is not unique. 

XXXX  Do you have any other XXXX loans in your name with other servicers ( including XXXX XXXX loans that you took out to benefit your child )? 
XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX I did have XXXX, but do not recall the amount. This was over XXXX  years ago. Why was there not a determination made within the XXXX years allowed by law? 
This forbearance which I did not ask for and was never notified about will show on my credit report until XXXX. 

XXXX XXXX XXXX XXXX, or XXXX, is a program that forgives your remaining federal loan balance after XXXX  years of repayment on each loan since XX/XX/XXXX, XXXX working full-time for a government employer or certain types of not-for-profit organizations. You must still be working for a qualifying employer at the time yousubmit your form for forgiveness. Does that sound like it would apply to you, or be something that you're interested in? 
To check the status of a complaint filed with the XXXXXXXX XXXX XXXX XXXX XXXX Federal Student Aid ( FSA ), log in to your StudentAid.gov account using your XXXX. Once logged in, you can find the status of your complaint in the " My Activity '' section of your account dashboard. If you submitted the complaint without logging in, you may receive a confirmation email with a case number, allowing you to track its progress. 
XXXX  You can also contact FSA directly at XXXX. 
So, you can not give me any information as to how this came about? Neither can the DOE. I guess my next step is to contact my XXXX. Putting a debt into such alengthy forbearance without my permission or even being notified is unconscionable. 
Please don't tell me how XXXX works. I know how it works and the DOE screwed it up. 
I want a copy of this transcript to give to my XXXX. 

XXXX  XXXX moment, please. XXXX Type SomethingXXXX 
XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Untimely response