Date Received: 2018-12-16T00:00:00.000
Product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: Hello! I am still struggling with XXXX XXXX. this is in reference to an earlier case as well. XXXX XXXX XXXX struggles to accurately track payments towards PLSF and upon certifying payments frequently changes they payments to count towards PLSF.
At one point, they did send me a letter stating they would credit me 23 payments ( great! ) based on earlier struggles and the difficulties I had experienced, but this has not happened. I have a copy of the letter. Though on 10 year standard repayment, no payments since XXXX have been added to my account. documentation available. At the time of selecting the 10 year standard plan in XX/XX/XXXX, I was told it would count towards PLSF without the fluctuating payments and need to re-certify each year. I selected this payment as it would eliminate the 1-2 month delay in payments each year while they calculated my payment options, and the small difference in payments on XXXX did not warrant the delay. This option was available as a option to choose on the web site at that time, though it no longer can be found ( and no one notified me if this is true ). When you re-certify each year, they is a delay in payments and I wished to finish paying my loans as quickly as possible. Additionally, in XX/XX/XXXX, I had 85 payments ( I have documentation ). Yet in XXXX I had 75 ( documation available ) I currently have 76 payments, in spite of making 11 payments that were not counted and the indication 23 payments would be added to my account by XXXX towards PLSF. I believe I should have 119 payments. XXXX believes I have 76 payments, and need to make 44 more, and MAYBE could then apply to PLSF ; though one advised this would ONLY count if I now switched to a different payment plan such as REPAYE, but this MIGHT not count as all the payments would not be REPAYE.
I am extremely frustrated as I am genuinely attempting to make 120 on time payments within a predictable payment plan- and seem to move either backwards or hold still. though maybe this is the intent : for me to make payments forever.
State/Zip: WA 98125
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3101428
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