AES-PHEAA

2018-10-27

Decatur, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2018-10-27

Atlanta, GA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: I'm just worried about the credibility and clarity of the present examination and also the missed payments pertaining to this particular account and how it is reporting on my credit report. Just about 45 days ago I applied for an assessment for the reason that I felt the item is not being submitted lately. To my shock I was given a document documenting that your evaluation was accomplished and that the item had been " affirmed as correct.
Company Response: Closed with explanation

Timely Response

2018-10-27

Beaver Creek, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2018-10-26

La Mirada, CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-10-26

Dallas, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: XXXX is either incapable or at least has not been able to apply a consolidation payment to the loans I've specified. - On XX/XX/XXXX, I began the process of consolidating all of my un-subsidized student loans held by XXXX and XXXX XXXX XXXX through XXXX. - Payment was disbursed on XX/XX/XXXX. That same day I called to notify both of the current loan holders XXXX and XXXX XXXX XXXX of my plans to consolidate and requested to only apply the payment towards the un-subsidized loans. - Payment was posted on the XXXX account on XX/XX/XXXX. I called to inquire why the payment was not applied as directed, as it was evenly distributed to all loan. I re-request again to apply payment only to un-subsidized loans. - I requested to speak to supervisor and spoke with XXXX ( agent number XXXX ) who said the payment should be allocated as requested two weeks from the current date. - It is XX/XX/2018 and the payment has not been allocated as requested. The payment for the month of XXXX has now been posted. - Interest has continued to accumulate on loans that should have been paid off two weeks ago, and is being included for the current payment due in XXXX.
Company Response: Closed with explanation

Timely Response

2018-10-26

Las Vegas, NV

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-10-26

Stantonville, TN

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: When I signed up with XXXX, they told me and my mother that the payment was only {$50.00} a month and that it would come due 6 months after I graduated. That was a lie. It was like {$350.00} a month and no way near {$50.00}. Back in XX/XX/2009 I was supposed to graduate from XXXX XXXX XXXX. Well I took the classes as they were given to me. Even when I had a professor sleeping in class, snoring away. Plus another let go for not being certified because her credentials we're bogus. Basically wasting my time and credit hours. Graduation came around I realized that they didn't give me enough classes in time. Again, I thought the school would know when I graduated. So I went on for 3 more months. Even changed campus from XXXX/ XXXX to XXXX . Well I was told at the school when I signed up that repayment was to come due, 6 months after graduation. Well XXXX was only 3 months after. When I was to sign off on my degree in accuracy, they gave me the wrong degree, they didn't seem to me to be too professional. Three months, before I got to walk down the aisle at graduation I was called about being behind on loans. I mean 5 to 8 times a day, 7 days a week beyond graduation, for almost a year and a half. Which is harrassment. I almost sought legal action. So after graduation the economy was bad in 2009 and I was struggling to pay them. I paid off what I could. I had 8 loans and I paid off 2 of them. Then my parents had another loan that I had to pay. They ruined my parents credit because of that loan. So my parents took care of that one. Now I had five loans left best I could count. I was struggling because of no work, then my car broke down. So I put it into forbearance. I tried to pay back what I could. At this time I was looking for work and found out that XXXX XXXX was not excepted by employers because they considered it not reputable. So every job I applied to I was turned down in my field of XXXX XXXX. So I tried to look for work and it became hopeless. I am now just a blue collar guy working in retail stores. Here is what bothers me. 1 ) They closed down the XXXX XXXX when it was found out that XXXX was fradulant. 2 ) My degree is worthless. 3 ) Now I am in debt to the amount of {$38000.00}. 4 ) I have been told by these loan people to do as much as donate plasma to pay for it. ( I'm not kidding ). 5 ) I have been turned down many times at employers because of XXXX XXXX is on my resume, and it's not an accredited institution. 6 ) Now I am supposed to pay on a loan which has changed hands so many times I don't know who owns it now. 7 ) They now are taking some of my tax return. 8 ) They have been charged with fraud. Why should I pay on a counterfeit degree? 9 ) I was not some guy who dropped out. I went to the end and graduated, with a XXXX gpa. I was on the dean 's list at least 5 times. I got a plaque for perfect attendance. Even when professors where being let go because they lied about their credentials. I think I got cheated out of an education. This is why I need forgiveness.
Company Response: Closed with explanation

Timely Response

2018-10-26

Manhattan, NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2018-10-26

New York, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-10-26

Harrisburg, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2018-10-26

NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: I am currently on an a IL repayment plan which is the default plan after I did not recertify my IBR repayment plan. This IL plan is essentially the equivalent of a 10 year standard repayment plan which means my payments still qualify for PSLF. I went to the federal student loan website to review other repayment options and ICR was listed as lower. I filled out an application based on this. XXXX had a different calculation method and stated the payment would be significantly higher than that listed on the federal website. They had placed my application on hold and did not process. When I called them in XX/XX/2018, I asked that my application be canceled and make no changes to the repayment plan as it was the lowest and payments still qualify for PSLF. They stated they need to do some administrative things on their end to cancel however my loans are in forbearance and in a repayment plan I did not request. I can not even get a standard 10 year repayment plan which would still qualify for PSLF as it is not even offered. The payments in the new plan are higher and do not qualify for PSLF. I have spoken to customer service several times to reinstate the previous repayment plan that I was on as I never requested to be changed over to this new plan nor placed in forbearance. I was specifically told the application was on hold and that my application will be canceled. I am unable to get a timely resolution before the next payment is due.
Company Response: Closed with explanation

Timely Response

2018-10-26

WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: They increased my student loan interest rate, nearly doubling it. This happened in XX/XX/2018. They have been contacted and informed of the increase. They have given no reason for the increase. And they have opened a case to recalculation the student loan interest rate. But they have yet to correct the student loan interest rate to the right percentage.
Company Response: Closed with explanation

Timely Response

2018-10-25

Albion, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-10-25

Parker, CO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2018-10-25

Pasadena, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I got the loans in XXXX. It's 2 loans : one with an original balance of {$6800.00} ( UNSUB ) and the other for {$6100.00} ( SUB ) with fixed interest rate of 4.625 % for both. I have deferred the loan up until 5 years ago and have been making payments for 5 years in the amount of {$130.00} total for both loans. I went paperless and also was on auto pay. I didn't really check up on the loan status and it was naive on my part for trusting the company. I recently logged on to AES now that they have an app. I was looking at the break down of each loan and it doesn't make sense. The difference between my original balance and principle balance for the unsub loan is barely {$200.00} and the difference for the sub loan is barely {$1000.00}. So in 5 years, I have paid them over {$7800.00} ( including interest ) and only about {$1200.00} went towards the principal balance ( total for both loans )? Thats absolutely insane! I looked up the payment history on my account and it only goes back till XXXX of XXXX. Also when I do the math for the payments that they claim went towards principal balance doesn't add up. They also claim I plaid {$4600.00} towards the principle balance, on the website, but again my total owed still doesn't make sense. I called them and they gave me some erroneous explanations I couldn't even comprehend and didn't really do anything to help me better understand. They basically told me to make bigger payments if I wanted to see a significant difference in the principle balance. I just want to know where all my money went and how they are making these calculations. If my original balance was {$13000.00} and I " paid '' {$4600.00} ( as they claim on my account ) then wouldn't my principle balance be less than {$11000.00} ( currently owed ). I didn't have this issue with XXXX ( who I finally paid off ). Also, AES says they are funded by XXXX ( when I logged on to the app ) and I called XXXX but they had no connection to AES and couldn't really help me out. Please help. I feel like calling AES again is a lost cause. I have been and still am burdened with other student loans and this is a very stressful matter for me.
Company Response: Closed with explanation

Timely Response

2018-10-25

Portland, OR

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with non-monetary relief

Timely Response

2018-10-24

Washington, DC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: The service provider, XXXX XXXX XXXX, has not correctly calculated my payments credible to the Public Loan Service Forgiveness Program. I alerted them in XX/XX/2018 and escalated it in XX/XX/2018 to the ombudsman office. This issue has still not been resolved. I have also contacted XXXX XXXX 's office and the Department of Education who closed the case out without resolving the issue. I am attaching all the payments I made. There was a miscalculation on how the payment was applied, which is affecting the credible payments. I can show all payments were timely, yet this is still not resolved. I am missing around 3 years of payments. Thanks, XXXX XXXX, XXXX
Company Response: Closed with explanation

Timely Response

2018-10-24

Charlotte, NC

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-10-24

Rockford, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: In XX/XX/2018 I attempted to change my income based repayment plan form a different IBR plan to RE-PAYE. I was told that I needed to submit an application to change my loan payment plan. During the process, I was told that My loan would be transferred to the standard 10 year repayment plan but in forbearance. I would then need to make a nominal payment, such as {$10.00} to cover the month on the standard payment plan. The following month, my loan would be transferred to the new plan and resume under the new RE-PAYE plan. They did say this would cost me one month of Public Service Loan Forgiveness as the month on the standard payment plan would not count. I submitted my application. When the loan was transferred to the standard payment plan, I made a payment of {$10.00} as instructed. I waited and it took 3 months to change payment plans costing me 3 months of Public service loan forgiveness eligibility. I submitted a new employment certification and on XX/XX/18 was told that I had made 44 qualifying payments. On my XX/XX/2018 statement. I received notice that my account was past due {$0.00}. This was surprising since my account has been on auto payment from the 2nd payment. I also noticed that my Public service loan forgiveness qualifying payments has been reduced to 34 on several of my loans. I called the XXXX number and the person on the phone ( id : XXXX ) told me that the {$10.00} payment while my loan was transitioning plans, was not applied to all loans properly and there was an outstanding balance of a few cents on a few of my loans. She stated that since there was an outstanding balance over the past few months, the payments I made would not count towards public service loan forgiveness. I explained that I followed all instructions given and she agreed that they misapplied my nominal payment. Additionally, no notice was given about this outstanding balance until XX/XX/2018. I started the payment plan change in XX/XX/XXXX. She said she would submit the account for review to get the {$.00} cents removed. I explained I was more worried about the public service loan forgiveness. She stated she wasn't sure what would happen with that. I asked how long it takes to have my account reviewed and she stated she did not know but it could take a few billing cycles. At this point, I feel I am being cheated out of qualifying payments towards public service loan forgiveness because of a clerical error. Additionally, I was not properly and timely noticed of a past due amount. Furthermore, I should not have 10 months of public service loan forgiveness retroactively taken away after it was already granted.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-24

Fred, TX

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2018-10-24

Bargaintown, NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with non-monetary relief

Timely Response

2018-10-24

IL

Problem with a credit reporting company's investigation into an existing problem

Student loan: Federal student loan servicing

Their investigation did not fix an error on your report
Complaint: I was homeless during a period of time that my loans came into repayment. I was unable to receive mail during the time nor had the means to contact XXXX XXXX regarding my options to keep payments from being late. I was able later to reach out and I was sent in the information regarding me being granted retroactive deferment, however they refused to remove the late payments from my credit report. During this period of time there was no possible way for me to be able to make a payment or even get the information needed to make arrangements or find out my repayment options because I didnt have a address for them to send correspondence to. Now I am in a better place but my score is suffering severely from the way the information is being reported. I also filed a dispute with the XXXX in which the insisted it was unlawful for them to change the reporting status for this period of time. Now its hard for me even in a better place in life with a good job to even get accept for an apartment alone based on the negative impact the report has had on my credit score. They were willing to add remarks stating that they are in good standing, but it has harldly no impact on the damaging effects of the unfair reporting to the credit reporting agencies. Now that I have started my own family and have attempted to move forward in life, this holds me back in every aspect which makes it hard for me to progress from where I was completely. I cant even secure housing in a area that would offer my children better schooling options, because I am constantly denied do to XXXX impact on my credit score due to their reporting practices.
Company Response: Closed with explanation

Timely Response

2018-10-24

Macon, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-10-24

Enid, OK

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with non-monetary relief

Timely Response

2018-10-24

Warwick, MD

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: This year I submitted my Income based request. I was informed that due to my new marraige status and that my husband and I filed together I no longer qualified. Once i recieved this noticed, I called XXXX and requested my options to be put on other plans as I could not afford the standard repayment. I was informed that the graduate plan or extended graduate ( I cant recall exactly which was it was but my payments were to be around {$300.00} something ) plan would be by best option as my husband is in a program currently to get himself out of default with his student loans and his payments could not be considered when revising my payments. The woman at XXXX went through the process with me and stated to remove me off of the income driven plan, I would be required to go into forbearance for a month and then make one qualifying payments in XXXX for either the full amount or {$5.00}. On XX/XX/18, I received a new payment terms notice which listed me back on the standard plan, followed by the notice of being put on forbearance ( gaining more interest on my account due to this ). After not receiving anything regarding my payment plan changing after making the {$5.00} payment in XXXX and receiving a new bill due XX/XX/2018 for {$460.00}, I called again on XX/XX/2018 to check the status. At this time, I was told the paperwork regarding my request was still being processed and once again this was the best plan for my situation. I emailed on XX/XX/2018 & XX/XX/2018 asking once again for a status, I received back a confirmation that they had received my emails but never got a response. On XX/XX/2018, I called in yet again, I informed the representative of the situation, explained it was showing I have a payment due soon and was still wondering what the status was as it had been two months since I made the request. The rep told me I should never have been on the forbearance to begin with and it was not needed to move me on to this plan. She told me she was going to expedite my request to the new plan and it would be processed in 7-10 business days. I then asked about the payment that was coming due, she informed me to not pay the payment, that it was incorrect and it would not have any affect on my credit or come back as late. Fast forward to XX/XX/18. after receiving a text telling me my payment was late. I logged in once again to check my account and the status. Today, on XX/XX/2018, I called again and was once again informed that the plan switch was still being processed and that I was late and needed to pay. I explained that the previous rep told me not to and that the paperwork was supposed to be expedited and that was supposed take care of the late payment notice. Now once again, I have been put back in forbearance to make my account current and in good standing ( gaining more interest on this account due to their error ) and was told yet again they would be expediting my request to change plans. I have made on time payments since I started making payments on these loans. I have been in contact with them and take paying back my loans seriously. Every rep I get acts like they solved the problem and then I have to call back again. When I ask why it wasn't handled the proper way in the first place, I receive back a I dont know response. I am simply trying to get on a plan that I can afford and continue to make my payments as I have been. Instead I am continuing to rack up months of interest being forced into forbearance over and over again due to their error.
Company Response: Closed with non-monetary relief

Timely Response