it appeared that the electronic system was not working properly. I then uploaded a paper version of the yearly recertification to XXXX XXXX XXXX website. The loan servicer took several weeks to review my request and then denied it stating that they did not have information about my XXXX income. They then capitalized all of the interest owed on the loan to the principal and increased my monthly repayment amount from {$270.00} to approximately {$2800.00}. They stated that I did not submit my request for yearly recertifying of my eligibility for income-based repayment in a timely fashion -- similar to what they did in XXXX. I resubmitted the form to them electronically and requested to attach my income tax information for my XXXX income taxes from the IRS. I then called XXXX XXXX and they told me that my only option was to place the loan into forbearance so that they can have additional time to calculate my monthly repayment amount under the Revised Pay As You Earn Plan. They read me some disclaimer stating that by placing my loan into forbearance ( so that they have an opportunity to process my income-driven repayment request ) they will capitalize all of the interest to the loan principal. I stated that I did not approve of them capitalizing the interest and that I was disputing the monthly payment amount of {$2800.00}. I am still attempting to resolve this issue with them. They have not processed my pending request to recertify my monthly repayment amount and my account is displaying that it is delinquent. Their servicing issues have been forced upon me and they are attempting to force me to pay more than 10x the amount that I was certified to pay based on my Adjusted Gross Income from XXXX and I have attempted in good faith several times to submit the IDR request to recalculate my monthly repayment amount under the Revised Pay As You Earn Plan.

What the CFPB Record Shows About it appeared that the electronic system was not working properly. I then uploaded a paper version of the yearly recertification to XXXX XXXX XXXX website. The loan servicer took several weeks to review my request and then denied it stating that they did not have information about my XXXX income. They then capitalized all of the interest owed on the loan to the principal and increased my monthly repayment amount from {$270.00} to approximately {$2800.00}. They stated that I did not submit my request for yearly recertifying of my eligibility for income-based repayment in a timely fashion -- similar to what they did in XXXX. I resubmitted the form to them electronically and requested to attach my income tax information for my XXXX income taxes from the IRS. I then called XXXX XXXX and they told me that my only option was to place the loan into forbearance so that they can have additional time to calculate my monthly repayment amount under the Revised Pay As You Earn Plan. They read me some disclaimer stating that by placing my loan into forbearance ( so that they have an opportunity to process my income-driven repayment request ) they will capitalize all of the interest to the loan principal. I stated that I did not approve of them capitalizing the interest and that I was disputing the monthly payment amount of {$2800.00}. I am still attempting to resolve this issue with them. They have not processed my pending request to recertify my monthly repayment amount and my account is displaying that it is delinquent. Their servicing issues have been forced upon me and they are attempting to force me to pay more than 10x the amount that I was certified to pay based on my Adjusted Gross Income from XXXX and I have attempted in good faith several times to submit the IDR request to recalculate my monthly repayment amount under the Revised Pay As You Earn Plan.

it appeared that the electronic system was not working properly. I then uploaded a paper version of the yearly recertification to XXXX XXXX XXXX website. The loan servicer took several weeks to review my request and then denied it stating that they did not have information about my XXXX income. They then capitalized all of the interest owed on the loan to the principal and increased my monthly repayment amount from {$270.00} to approximately {$2800.00}. They stated that I did not submit my request for yearly recertifying of my eligibility for income-based repayment in a timely fashion -- similar to what they did in XXXX. I resubmitted the form to them electronically and requested to attach my income tax information for my XXXX income taxes from the IRS. I then called XXXX XXXX and they told me that my only option was to place the loan into forbearance so that they can have additional time to calculate my monthly repayment amount under the Revised Pay As You Earn Plan. They read me some disclaimer stating that by placing my loan into forbearance ( so that they have an opportunity to process my income-driven repayment request ) they will capitalize all of the interest to the loan principal. I stated that I did not approve of them capitalizing the interest and that I was disputing the monthly payment amount of {$2800.00}. I am still attempting to resolve this issue with them. They have not processed my pending request to recertify my monthly repayment amount and my account is displaying that it is delinquent. Their servicing issues have been forced upon me and they are attempting to force me to pay more than 10x the amount that I was certified to pay based on my Adjusted Gross Income from XXXX and I have attempted in good faith several times to submit the IDR request to recalculate my monthly repayment amount under the Revised Pay As You Earn Plan. has accumulated 1 consumer complaint in the CFPB public database, with filings active across 0 U.S. states. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to ( 2 , and the most recent logged activity is ( 2 ) XXXX, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, it appeared that the electronic system was not working properly. I then uploaded a paper version of the yearly recertification to XXXX XXXX XXXX website. The loan servicer took several weeks to review my request and then denied it stating that they did not have information about my XXXX income. They then capitalized all of the interest owed on the loan to the principal and increased my monthly repayment amount from {$270.00} to approximately {$2800.00}. They stated that I did not submit my request for yearly recertifying of my eligibility for income-based repayment in a timely fashion -- similar to what they did in XXXX. I resubmitted the form to them electronically and requested to attach my income tax information for my XXXX income taxes from the IRS. I then called XXXX XXXX and they told me that my only option was to place the loan into forbearance so that they can have additional time to calculate my monthly repayment amount under the Revised Pay As You Earn Plan. They read me some disclaimer stating that by placing my loan into forbearance ( so that they have an opportunity to process my income-driven repayment request ) they will capitalize all of the interest to the loan principal. I stated that I did not approve of them capitalizing the interest and that I was disputing the monthly payment amount of {$2800.00}. I am still attempting to resolve this issue with them. They have not processed my pending request to recertify my monthly repayment amount and my account is displaying that it is delinquent. Their servicing issues have been forced upon me and they are attempting to force me to pay more than 10x the amount that I was certified to pay based on my Adjusted Gross Income from XXXX and I have attempted in good faith several times to submit the IDR request to recalculate my monthly repayment amount under the Revised Pay As You Earn Plan. reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "I submitted a request to recertify my monthly repayment amount under the Revised Pay As You Earn Plan. XXXX XXXX acknowledge receipt of my application", and the single most common underlying issue is "in XX/XX/XXXX".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating it appeared that the electronic system was not working properly. I then uploaded a paper version of the yearly recertification to XXXX XXXX XXXX website. The loan servicer took several weeks to review my request and then denied it stating that they did not have information about my XXXX income. They then capitalized all of the interest owed on the loan to the principal and increased my monthly repayment amount from {$270.00} to approximately {$2800.00}. They stated that I did not submit my request for yearly recertifying of my eligibility for income-based repayment in a timely fashion -- similar to what they did in XXXX. I resubmitted the form to them electronically and requested to attach my income tax information for my XXXX income taxes from the IRS. I then called XXXX XXXX and they told me that my only option was to place the loan into forbearance so that they can have additional time to calculate my monthly repayment amount under the Revised Pay As You Earn Plan. They read me some disclaimer stating that by placing my loan into forbearance ( so that they have an opportunity to process my income-driven repayment request ) they will capitalize all of the interest to the loan principal. I stated that I did not approve of them capitalizing the interest and that I was disputing the monthly payment amount of {$2800.00}. I am still attempting to resolve this issue with them. They have not processed my pending request to recertify my monthly repayment amount and my account is displaying that it is delinquent. Their servicing issues have been forced upon me and they are attempting to force me to pay more than 10x the amount that I was certified to pay based on my Adjusted Gross Income from XXXX and I have attempted in good faith several times to submit the IDR request to recalculate my monthly repayment amount under the Revised Pay As You Earn Plan.: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.