{"id":3357,"date":"2020-05-29T14:55:00","date_gmt":"2020-05-29T18:55:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-colleagues-demand-education-department-hold-student-loan-servicer-great-lakes-accountable-for-cares-act-blunder-2020\/"},"modified":"2023-07-24T11:06:40","modified_gmt":"2023-07-24T15:06:40","slug":"merkley-colleagues-demand-education-department-hold-student-loan-servicer-great-lakes-accountable-for-cares-act-blunder-2020","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-colleagues-demand-education-department-hold-student-loan-servicer-great-lakes-accountable-for-cares-act-blunder-2020\/","title":{"rendered":"Merkley y sus colegas exigen que el Departamento de Educaci\u00f3n responsabilice al administrador de pr\u00e9stamos estudiantiles de Great Lakes por el error de la Ley CARES"},"content":{"rendered":"<p><b>Washington DC -<\/b>&nbsp;El senador estadounidense de Oreg\u00f3n, Jeff Merkley, se asoci\u00f3 con la senadora estadounidense Elizabeth Warren para encabezar un grupo de seis senadores y enviar una carta a la secretaria del Departamento de Educaci\u00f3n (ED) de EE. Lakes Educational Loan Services, Inc. (que es propiedad de Nelnet, Inc., otro administrador federal de pr\u00e9stamos estudiantiles),&nbsp;<a href=\"https:\/\/www.politico.com\/news\/2020\/05\/20\/emergency-releif-student-loan-272334\">proporcion\u00f3 informaci\u00f3n de pago incorrecta por casi cinco millones<\/a>&nbsp;prestatarios de pr\u00e9stamos estudiantiles federales a las agencias de informes crediticios. Este error probablemente redujo muchos de sus puntajes de cr\u00e9dito, lo que crear\u00eda consecuencias duraderas para el acceso al cr\u00e9dito y la estabilidad financiera de los estudiantes.<\/p>\n<blockquote>\n<p><b>En su carta, los senadores exigieron que ED<\/b> \u201ctome medidas inmediatas para remediar completamente este problema, responsabilice a Great Lakes por este error imperdonable y proporcione al Congreso un informe detallado de c\u00f3mo ocurri\u00f3 este colapso\u201d.<\/p>\n<\/blockquote>\n<p>El <i>Ley de Ayuda, Alivio y Seguridad Econ\u00f3mica del Coronavirus (Ley CARES)<\/i> incluy\u00f3 disposiciones para brindar alivio temporal e inmediato a los prestatarios de pr\u00e9stamos estudiantiles federales durante la emergencia de COVID-19 al suspender los pagos y la acumulaci\u00f3n de intereses para todos los prestatarios con pr\u00e9stamos en poder del gobierno federal hasta el 30 de septiembre de 2020 y prohibir que el ED participe en actividades de cobranza involuntaria para este mismo periodo de tiempo. <i>Ley CARES<\/i> la gu\u00eda de implementaci\u00f3n inclu\u00eda la directiva de que \u201ccualquier pago que haya sido suspendido (ser\u00e1) tratado como si fuera un pago programado regularmente realizado por un prestatario\u201d, a fin de proteger a los prestatarios de cualquier sanci\u00f3n a sus calificaciones crediticias durante la pandemia. En cambio, los Grandes Lagos&nbsp;<a href=\"https:\/\/finance.yahoo.com\/news\/student-borrowers-sue-credit-scores-coronavirus-pandemic%20114704744.html?acid=twitter_yfsocialtw_l1gbd0noiom\">reportado err\u00f3neamente<\/a>&nbsp;la suspensi\u00f3n de la Ley CARES de los pagos mensuales de 4.8 millones de prestatarios como un &quot;aplazamiento&quot;, un error que apareci\u00f3 en los informes crediticios de estos prestatarios y que potencialmente desencaden\u00f3 una puntuaci\u00f3n crediticia m\u00e1s baja para millones de prestatarios, un error que el Departamento&nbsp;<a href=\"https:\/\/www.politico.com\/news\/2020\/05\/20\/emergency-releif-student-loan-272334\">despectivamente caracterizado como un \u201cerror de codificaci\u00f3n<\/a>.\u201d<\/p>\n<blockquote>\n<p>\u201cEs dif\u00edcil saber qu\u00e9 alcance tendr\u00e1n las consecuencias de este error para millones de prestatarios que podr\u00edan intentar comprar una casa, comenzar un nuevo trabajo o solicitar un pr\u00e9stamo para mantenerse financieramente a flote durante esta crisis econ\u00f3mica\u201d.&nbsp;<b>continuaron los senadores.<\/b>&nbsp;\u201cCualquier error que resulte en una puntuaci\u00f3n inexacta debe corregirse de inmediato, y los responsables de tales errores deben rendir cuentas\u201d.<\/p>\n<\/blockquote>\n<p>Estos errores, se\u00f1alan los senadores, tambi\u00e9n podr\u00edan ser una violaci\u00f3n de la <i>Ley de informes crediticios justos<\/i>, que proh\u00edbe a los proveedores de informaci\u00f3n crediticia como Great Lakes reportar informaci\u00f3n si una empresa &quot;sabe o tiene motivos razonables para creer que la informaci\u00f3n es inexacta&quot;.<\/p>\n<p>para honrar su&nbsp;<a href=\"https:\/\/www.politico.com\/news\/2020\/05\/20\/emergency-releif-student-loan-272334\">compromiso de responsabilizar a las \u201cpartes apropiadas<\/a>\u201d, los senadores han solicitado al ED que tome las siguientes medidas y proporcione a los senadores una actualizaci\u00f3n sobre el progreso del Departamento antes del 19 de junio de 2020:<\/p>\n<ul type=\"disc\">\n<li>Tomar medidas inmediatas para remediar completamente este problema, incluso a trav\u00e9s de comunicaciones directas con las compa\u00f1\u00edas de informes crediticios y comunicaci\u00f3n directa con los prestatarios afectados;<\/li>\n<\/ul>\n<ul type=\"disc\">\n<li>Garantizar que la CFPB tenga acceso a toda la informaci\u00f3n necesaria, incluidos todos los documentos, datos y archivos de prestatarios pertinentes solicitados por la Oficina, para realizar un examen del cumplimiento de la ley por parte de los administradores, incluida la&nbsp;<i>Ley de informes crediticios justos<\/i>y para identificar cualquier \u00e1rea de incumplimiento de las leyes federales de protecci\u00f3n al consumidor aplicables;<\/li>\n<li>Investigar si Great Lakes sigui\u00f3 correctamente las directivas del Departamento y tomar una &quot;determinaci\u00f3n formal&quot; sobre si Great Lakes viol\u00f3 estas directivas o su contrato con el Departamento;<\/li>\n<li>Tomar medidas inmediatas y agresivas para responsabilizar a Great Lakes por este error, incluso a trav\u00e9s de cualquier consecuencia o sanci\u00f3n permitida bajo el contacto del Departamento con Great Lakes, que puede incluir la reducci\u00f3n del volumen de pr\u00e9stamos;<\/li>\n<li>No tomar ninguna acci\u00f3n para oponerse u obstruir cualquier demanda de los prestatarios contra Great Lakes, y permitir la producci\u00f3n de cualquier documento o material relevante en el curso de dicha litigaci\u00f3n; y<\/li>\n<li>Llevar a cabo una auditor\u00eda del cumplimiento de la Ley CARES por parte de todos los administradores para garantizar que este error est\u00e9 aislado de Great Lakes y para identificar cualquier otra \u00e1rea de incumplimiento de la ley, las directivas del Departamento o los contratos con el Departamento;<\/li>\n<li>Informar los resultados de cualquier investigaci\u00f3n o auditor\u00eda relacionada con este asunto al p\u00fablico y al Congreso, incluida cualquier acci\u00f3n correctiva que tome el Departamento; y<\/li>\n<li>Dotar a nuestras oficinas de:<\/li>\n<ul type=\"circle\">\n<li>Un cronograma completo de todas las acciones tomadas entre el 27 de marzo de 2020 y hoy en relaci\u00f3n con la implementaci\u00f3n de la Sec. 3513(d) de la Ley CARES por parte del Departamento (incluida la FSA) y los administradores de pr\u00e9stamos estudiantiles federales, incluidas copias de cualquier modificaci\u00f3n del contrato aplicable, orientaci\u00f3n u otras comunicaciones escritas;<\/li>\n<li>Todas las comunicaciones entre el Departamento y cualquiera de las siguientes empresas financieras entre el 27 de marzo de 2020 y hoy: Credit Karma, Experian, Equifax, TransUnion, Fair Isaac Corporation, Innovis o VantageScore LLC;<\/li>\n<li>Todas las comunicaciones entre el Departamento y el CFPB relacionadas con los asuntos identificados en esta carta; y<\/li>\n<li>Todo el resumen de todas las comunicaciones entre Great Lakes y\/o Nelnet y cualquiera de las siguientes empresas financieras relacionadas con los problemas identificados en esta carta: Credit Karma, Experian, Equifax, TransUnion, Fair Isaac Corporation, Innovis o VantageScore LLC.<\/li>\n<\/ul>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Washington, D.C. &ndash;&nbsp;Oregon&rsquo;s U.S. Senator Jeff Merkley teamed up with U.S. Senator Elizabeth Warren to lead a group of six senators in sending a letter to U.S. Department of Education (ED) Secretary Betsy DeVos, raising serious concerns about reports that one of ED&#8217;s federal student loan servicers, Great Lakes Educational Loan Services, Inc. (which is [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[40],"class_list":["post-3357","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-education"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Merkley, Colleagues Demand Education Department Hold Student Loan Servicer Great Lakes Accountable for CARES Act Blunder - Merkley<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.merkley.senate.gov\/es\/merkley-colleagues-demand-education-department-hold-student-loan-servicer-great-lakes-accountable-for-cares-act-blunder-2020\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkley, Colleagues Demand Education Department Hold Student Loan Servicer Great Lakes Accountable for CARES Act Blunder - Merkley\" \/>\n<meta property=\"og:description\" content=\"Washington, D.C. &ndash;&nbsp;Oregon&rsquo;s U.S. Senator Jeff Merkley teamed up with U.S. Senator Elizabeth Warren to lead a group of six senators in sending a letter to U.S. Department of Education (ED) Secretary Betsy DeVos, raising serious concerns about reports that one of ED&#8217;s federal student loan servicers, Great Lakes Educational Loan Services, Inc. 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