|
959489
|
2014-07-29
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
Rhode Island Student Loan Authority
|
| Product |
Student loan
|
| Sub Issue |
Having problems with customer service
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2014-07-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-07-29
|
| Consumer Consent Provided |
N/A
|
|
|
3098311
|
2018-12-12
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Rhode Island Student Loan Authority
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Private student loan debt
|
| Date Received |
2018-12-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-01-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4069057
|
2021-01-14
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Rhode Island Student Loan Authority
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-01-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-01
|
| Complaint What Happened |
My debt for Rhode Island Student Loans was update as current even though i already past my statue of limitations. Collections was opened in XX/XX/XXXX, RISLA falsely updated as current in XX/XX/XXXXand XX/XX/XXXXof XX/XX/XXXXin order to re-age account. I never made a payment nor did i ever contact them so this is fraud.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1995245
|
2016-07-01
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
Rhode Island Student Loan Authority
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2016-07-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-07-01
|
| Complaint What Happened |
The Rhode Island family education loan which was taken out with my grandmother as co-signer has defaulted and immediate repayment requested. The co-signer, my Grandmother, passed away and the RI student loan authority, through the lawyer XXXX XXXX XXXX XXXX, has filed a claim against her estate. The claim is against the estate for XXXX others whom my grandmother co-signed. The XXXX of us have been repaying our loans, as usual since the loan provider contacts you after the six month grace period. We have been reducing the total amount of loan, but the claim is for the original amount which we all took out. The claim is for {$97000.00} and I know that the claim is off by at least {$11000.00}. I know this because I owed {$17000.00} vs. about {$6000.00} currently outstanding. ( document attached ) Also, monthly payments are being made of about {$120.00} per month.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3597669
|
2020-04-08
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
Rhode Island Student Loan Authority
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Private student loan
|
| Date Received |
2020-04-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-04-10
|
| Complaint What Happened |
Rhode Island Student Loan Authority ( RISLA ) has debited my bank account for my payment, but not posted it to my student loan account. They have stolen over {$1000.00} from me.
I submitted a payment on the RISLA website using the same stored bank information I have for all previous payments. The payment posted to my bank account within a few days with no issues.
I got a follow-up email from RISLA that my payment was returned. I verified it was not, and called customer service expecting them to have some sort of resolution process to work this out with my bank.
No one would even make an attempt to look into the issue, they would just read " your payment was returned '' from the account notes and not proceed any further. I have spent over three days on the phone trying to get assistance.
Here I am with a $ XXXX payment debited out of my bank account, my student loan is still showing a payment due, and I have had no assistance.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3421317
|
2019-10-29
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Rhode Island Student Loan Authority
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Private student loan debt
|
| Date Received |
2019-10-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-11-04
|
| Complaint What Happened |
Repeated calls, voicemails, and emails for past due account. Spoke with customer service rep XX/XX/19. Initial statement from rep was that my account is in pre claims and asked if I was still using my bank account ending in # # # # so that he could deduct the funds. There were no other options offered at that time, this is highly intimidating. I informed rep of my current status at work/lost overtime/hours and that there were no funds available to deduct. I then informed the rep that got paid on Thursday, XX/XX/XXXX and would take care of what I could. Made payment on XX/XX/XXXX in the amount of {$140.00}. Received two consecutive phone calls Saturday XX/XX/XXXX at XXXX and XXXX, with an immediate follow up email at XXXX.
Received phone call on XX/XX/XXXX at XXXX with voicemail informing me that my payment on XX/XX/XXXX wasnt the agreed amount ( there was no agreed amount ) and that my credit will be impacted. I then received an email on XX/XX/XXXX at XXXX titled second attempt. As of today I have received four phone calls, one voicemail, and two emails In the span of 7 business days. This amount of repeated contact is harassment. I have contacted RISLA previously via email requesting that they do not contact me in this manner and requested that they stop harassing me while Im struggling to get my account paid up. One phonecall should be sufficient, especially when I have made documented recent payments. They have not complied with my requests to cease harassment. Emails/supporting documents are attached.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2926759
|
2018-06-05
|
Struggling to repay your loan
|
Student loan
|
|
| Issue |
Struggling to repay your loan
|
| Timely |
Yes
|
| Company |
Rhode Island Student Loan Authority
|
| Product |
Student loan
|
| Sub Issue |
Can't get other flexible options for repaying your loan
|
| Sub Product |
Private student loan
|
| Date Received |
2018-06-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-07
|
| Complaint What Happened |
When I was in college, I got a lot of mailers from RISLA stating that they were the loan company that would really help me. Being only XXXX at the time, and a first-generation college student, my mother and I were eager to find a student loan option that would really help me. Boy were we wrong. RISLA has done nothing to help me, and they do not look out for their customers, only themselves.
When I applied, as I stated, I was only XXXX. My mother had to be a co-signers on my account. The loan officer told her ( never me, no-one once reached out to me and I didn't think anything of it at the time because I was so young ) that she would have to co-sign, but the loan would be mine, and that she could be taken off after " a year or so. '' Flash forward to 6 years later, when it is clear that I can not take her off the loan unless I check almost all of these impossible buckets, which includes having a DTI that I, as someone with student loans, would never be able to have. The loan officer also told her about the income based repayment plan, stating that if I, the borrower, was making below a certain amount ( i.e. my gross income ) they would readjust my payment amount per month so that I could afford it. Not once was it mentioned the two biggest caveats : 1 ) that I would make no dent in my principal AND my loan amounts would actually INCREASE each month, and 2 ) that they wouldn't actually be basing this plan off my gross income, but rather the income of me and my co-signer. My co-signer, as I stated earlier, is my mother who is not helping me with my loans. She was put on as a co-signer only because I could not get the loans, and we made it clear that she would not be responsible for the payments. She is not a co-borrower, but RISLA does not seem to know the difference as they use the terms interchangeably in all of our communications ( i.e. they choose which term and its accepted definition works for whatever argument they are making ).
So now to the present. Last year, I was making about {$28000.00} annually before taxes. They wanted me to pay almost {$1000.00} a month on my loans. I applied for the income based repayment ( IBR ) and my payments were reduced to about {$500.00}. {$500.00} a month when I was making about {$1500.00} a month was still a burden. I have a car payment and insurance that equaled about {$500.00} a month, as well as general living costs. I ended up not being able to move in to an apartment with a roommate, because I wouldn't be able to afford food, let alone any other necessities. I thankfully received a major promotion, and am now making a little less than {$44000.00}. Still, {$1000.00} a month payments were too much for me. I reached out to RISLA many times during XX/XX/2018 to see if they could only consider my income and not my mothers when doing this option, as she was not paying the loans and was only a co-signer. The answer numerous times over was no. They gave me other options, including refinancing ( which would increase my payments to $ XXXX/month ) or getting rid of my mother as a signer ( which would make me ineligible for the income-based repayment program, and an option which I clearly did not qualify for ). My mother called, and she was told that they would likely make the initial decision to not do the income-based, but that we could appeal it and we would likely win that appeal and reduce my payments. Whoever said that clearly was lying, because they didn't even consider my appeal. I wrote a letter explaining the situation that I submitted with my application, and it is clear that they probably didn't read it because they did not respond to me at all other than sending me and email saying my application was denied. My mother called to appeal, and she was treated rudely and told it doesn't matter what we say, this is what we signed up for. How did we sign up for this when no-one even told me about it?
Overall, RISLA did not work to help me. They took advantage of me, and made me sign on a dotted line at the age of XXXX without explaining anything or even speaking to me at all. And they unfairly judged my payment plan using my mother 's income, knowing she wasn't helping and that she was only a co-signer. They would not work to help me, which is something they say they will do, and treated me rudely on the phone and through email. And they just were deceptive. They never told me the nuances of the income based repayment plan, how it would increase my balance or how it would take my co-signer 's income into account, not only during the loan application but also during my time with them. I am very upset, and now have to take on a major financial burden that I can not afford. I think they need to right their wrongs.
|
| Consumer Consent Provided |
Consent provided
|
|
|
619771
|
2013-12-03
|
Problems when you are unable to pay
|
Student loan
|
|
| Issue |
Problems when you are unable to pay
|
| Timely |
Yes
|
| Company |
Rhode Island Student Loan Authority
|
| Product |
Student loan
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2013-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-12-03
|
| Consumer Consent Provided |
N/A
|
|
