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7417824
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2023-08-17
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Getting a loan
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Student loan
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|
| Issue |
Getting a loan
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| Timely |
Yes
|
| Company |
College Ave Student Loan Servicing, LLC
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| Product |
Student loan
|
| Sub Issue |
Denied loan
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| Sub Product |
Private student loan
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| Date Received |
2023-08-17
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| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-08-17
|
| Complaint What Happened |
I applied to go to XXXX after transferring home From XXXX XXXX and XXXX XXXX XXXX XXXX after my mother had a XXXX XXXX on XXXX. I was only XX/XX/XXXX years old.
After getting in, I only got about half of the money due for tuition in financial aid. So I had to go the private sector route. I first got a loan applying with my grandmother ( has since passed away after I graduated from XXXX XXXX ), this was from College Ave services. They gave me, {$31000.00} ( XXXX ID - XXXX ) for XXXX year of tuition. Disbursed on XX/XX/XXXX. After my first year I was taking summer classes. This time again, I would need financial aid. Not getting enough I would turn to the private sector again, But only this time I was denied any further loans from College Ave, even with my Grandmother as a cosigner. So I turned to XXXX XXXX. I was approved with my grandmother again as cosigner, for a loan of {$8800.00} ( Loan ID - # XXXX ) that was disbursed on XX/XX/XXXX. After summer classes, my Junior/Senior year was about to begin, and so I had to find more funding. This time though, nobody would approve me, I tried multiple different websites other than but including, XXXX XXXX and College Ave, I do not fault the others as looking back now as an actual adult how wrong it would be to give a person like me funding of that nature, but so many companies feast on people like me. I also tried multiple different cosigners from my family, but no luck. Therefore, I had spent a just about a year at XXXX, borrowed over {$60000.00} total ( including federal loans, just principal, now it is much higher ), and for nothing. I borrowed all that money to go to a dream school, with an incredible reputation, thinking I was knowing the risk and " knowing '' ( truly hoping ) a degree from there would be worth the money. I truly believe they both XXXX XXXX and College Ave gave me the original loans, more than well knowing that they would not approve me for a second one. How that is not unlawful is beyond me, but now I am stuck, worried sick about how to live, because I have this huge debt on my shoulders. In total with Federal I owe currently about XXXX in loans, and I graduated from a school that would have cost me {$80000.00} had I never tried to achieve a dream degree.
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| Consumer Consent Provided |
Consent provided
|
|
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8354856
|
2024-02-15
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
College Ave Student Loan Servicing, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
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| Sub Product |
Credit reporting
|
| Date Received |
2024-02-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-15
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| Complaint What Happened |
I paid my bill yet it is saying overdue and dropped my credit score XXXX points. Now i am unable to get a credit card I need to purchase my books for school. My cosigner, XXXX XXXX, also had a huge drop in his score. But we paid the bill already. I am also in the grace period of the loan so I dont understand how i could be late if there is nothing due at this time.
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| Consumer Consent Provided |
Consent provided
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8011933
|
2023-12-17
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Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
College Ave Student Loan Servicing, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
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| Sub Product |
Credit reporting
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| Date Received |
2023-12-17
|
| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-17
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| Complaint What Happened |
There are inquiries that I did not authorize and dont have accounts to.
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| Consumer Consent Provided |
Consent provided
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6586529
|
2023-02-17
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Problem with fraud alerts or security freezes
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Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with fraud alerts or security freezes
|
| Timely |
Yes
|
| Company |
College Ave Student Loan Servicing, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-02-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-17
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| Complaint What Happened |
XX/XX/2023 a fraud credit inquiry that I did not do at all I did not nor have I applied for student loan through this company suspected fraud- personal identity theft
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| Consumer Consent Provided |
Consent provided
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3198732
|
2019-04-02
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
College Ave Student Loan Servicing, LLC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
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| Sub Product |
Private student loan
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| Date Received |
2019-04-02
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2019-04-02
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| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Complaint What Happened |
Over the last 4 weeks I have been actively attempting to payoff 1 of 4 loans I have with XXXX XXXX XXXX XXXX company.
- I made a {$1300.00} payment request in XXXX, it was reversed 3 days later.
- I inquired about it, the customer service rep was unable to tell me why. He advised he will inquire and will contact me back. Never did.
- 4 days later I see the {$1300.00} payment is being made, but spread across the 4 loans rather than how I authorized it towards 1 loan.
- I inquired again and was told I would be refunded. It never happened.
- I again called and requested that the payment is properly allocated towards the right loan. I was told by a " Supervisor '' that it will be, 5 days later and it has yet to be done.
Terrible company. There has to be something illegal about what they're doing. I'm currently in process of transferring my loans to another company.
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| Consumer Consent Provided |
Consent provided
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7401247
|
2023-08-14
|
Incorrect information on your report
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Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
College Ave Student Loan Servicing, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
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| Sub Product |
Credit reporting
|
| Date Received |
2023-08-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-14
|
| Complaint What Happened |
On XX/XX/2023, XXXX/CollegeAve student loans wrote off and closed an account with student loans worth {$10000.00}. This was unbeknownst to me for several months till my father, who is a co-signer to this loan applied for a loan and got reject. Upon reviewing my credit report I noticed a write off from CollegeAve student loans.
The loan was put on a disbursed schedule during the pandemic and CollegeAve had never informed me when the disbursement had ended. Furthermore CollegeAve had never informed me and I had never received either through email or mail that the loan was about to be written off.
This write off has drastically reduced my credit score and destroyed the score of my father who had worked so hard to build it. I had the means to pay for it all this time but CollegeAve had never given me the opportunity to do so but rather sent it to write off without any notification whatsoever. I believe that that is a violation of consumer protection law and thus I appeal that this write off be removed from my credit report.
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| Consumer Consent Provided |
Consent provided
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2431893
|
2017-04-11
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
College Ave Student Loan Servicing, LLC
|
| Product |
Student loan
|
| Sub Issue |
Don't agree with fees charged
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2017-04-11
|
| Submitted Via |
Web
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| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-07-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I chose to refinance my student loans wit h College Ave l oans. They ultimately used XXXX as the refinance company. CollegeAve/ XXXX disbursed the payment and started accruing interest on X/XX/17 a nd my previous provide r ( XXXX XXXX ) received/processed the payment o n X/XX/17 . Ther e was a six day window where I was being charged interest in both places, XXXX XXXX and XXXX . I have calle d College Ave about once a month since XX/XX/XXXX when I realized this. Each time they told me they would escalate the issue and get it fixed right away. Clearly that has still not happened and is the reason why I am writing this. CollageAve/ XXXX must go back and recalculate all interest and payments that I have made towards this balance because I have paid more interest than I should since the Principal amount would have been lower each time they calculate interest
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| Consumer Consent Provided |
Consent provided
|
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