AES-PHEAA

2018-10-03

Jamesburg, NJ

False statements or representation

Debt collection: Federal student loan debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-10-03

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 concerned about the certainty and consistency of your new assessment and then the overdue payments pertaining to this particular account and also how it is reporting on my credit report. About 45 days ago I requested an assessment basically because I noticed the item is not being documented recently. To my big surprise I got a letter telling that your evaluation was achieved and that the item had been " validated as reliable.
Company Response: Closed with explanation

Timely Response

2018-10-03

Palmerton, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I am currently in an income driven repayment plan and am pursuing Public Service Loan Forgiveness. My loans were consolidated with XXXX XXXX originally and were recently transferred to XXXX XXXX. I began making monthly automated payments in XX/XX/XXXX and have not missed a payment. Additionally I have submitted the annual income certification and employer qualification forms. XXXX XXXX provides me with monthly statements or " direct debit bills '' which indicate the number of qualifying PSLF payments. They have mine listed at 3. They have not given me credit for the 50+ monthly payments made while being serviced by XXXX . I called and spoke with XXXX XXXX in XXXX of this yer XXXX and was told it could take up to six months for them to have this corrected. I called today ( XX/XX/XXXX ) and was told that there is now " no timeline '' for when this will be addressed. They suggested I check back in XX/XX/XXXX. This is very frustrating because I have the opportunity now to change strategies from IBR/PSLF to refinancing with a traditional lender which could save me a significtn amount of money as my interest rates with XXXX are at over 7 %. The longer it takes for them to give me accurate data I could be losing substantial money to interest payments that I would not otherwise be making.
Company Response: Closed with explanation

Timely Response

2018-10-03

Broadwell, IL

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Company Response: Closed with non-monetary relief

Timely Response

2018-10-03

Occoquan, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XXXX appears to be improperly handling or informing me about my re-certification for IDR. Basically, XXXX keeps sending me false messages about missing information on my re-certification for my federal paycheck and yet I gave them everything. These automated e-mails are becoming annoying and I want this fixed. I finally was able to reach out to XXXX ( XXXX ) on XX/XX/XXXX who finally straightened everything out after the fourth time calling. However, she still provided the canned responses that " we can't assume anything '' or " you were missing the frequency of your pay '' for a federal paycheck, something known to be always " BI-WEEKLY '' unless told otherwise. They can't even take the annual salary on the form and figure it out there either. The worst of it is rather than a super generic e-mail they send to everyone, they could have just called me and resolved this minor issue in 5 minutes. My previous calls to agents told me that I was good and that I had submitted everything properly in the last 6 weeks, and yet this was not the case.
Company Response: Closed with explanation

Timely Response

2018-10-03

Patterson, MD

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Hi, I consolidated my student loans with XXXX XXXX inXX/XX/XXXX and it appears my loan was sold to XX/XX/XXXX who changed their name to American Education Services ( AES ). My original loan amounts are as follows : 1. Beginning balance {$2400.00} ( sub ) Current balance {$2300.00} 2. Beginning balance {$1900.00} ( unsub ) Current balance $ {$1700.00} 3. Beginning balance {$14000.00} ( sub ) Current balance {$13000.00} 4. Beginning balance {$14000.00} ( unsub ) Current balance {$13000.00} Totol due as of XX/XX/XXXX {$31000.00} I have been making payments towards my student loans since XX/XX/XXXX, over 10 years and I still owe {$31000.00}?? Something is wrong!!! Since XX/XX/XXXX, my payments were between $ XXXX- {$200.00} and as of XX/XX/XXXX, my payments are {$380.00} a month. I have contacted AES on several occasions to have them explain to me why I still owe them so much money. Unfortunately, their response doesnt justify the money I have already paid over the years and the remaining balance. I have been trying to research who I can speak with to have my consolidated student loan researched for accuracy. Hopefully you will be able to assist me. Here is the contact information I have for AES : American Education Services XXXX. XXXX XXXX XXXX, PA XXXX XXXX American Education Services XXXX XXXX XXXX XXXX. XXXX, PA XXXX
Company Response: Closed with explanation

Timely Response

2018-10-03

Battle Creek, MI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2018-10-03

Billerica, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Complaint: I have XXXX as my student loan servicer. My loans were orginially under XXXX, but were transferred once I submit the public loan forgiveness employment form and was deemed eligible to enroll in the program. My loans were transferred on XX/XX/2018. I called them in XXXX to follow up on my payments that had been made under XXXX since the employment form clearly showed I made eligible payments. They told me it would take until XXXX to verify everything and credit it to my account. I called XX/XX/2018 and was told they could not release any status information. They said they were backlogged and it could take months. I then spoke with a supervisor who confirmed that they could not release any information, but to continue to make payments on faith that everything would be sorted out. I have never missed a payment, have automatic debit, and I can not get any information on what payments have qualified. They are very difficult to deal with and it is unacceptable that payments I made a year ago have not been credit to my account for the public service loan program.
Company Response: Closed with explanation

Timely Response

2018-10-02

Sacramento, CA

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: In XXXX, XXXX and XXXX, I applied for the forbearance on my consolidated loans with XXXX XXXX. I had a total of XXXX missed payments ( XXXX missed on XXXX loans ). Once my I was approved for forbearance, my late payments with XXXX XXXX were retroactively brought to " current/on-time '' payment status. I requested that they remove the incorrect payment status with the credit bureau, as I am currently in good standing. I called XXXX XXXX on the following dates to get this matter resolved : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent emails to the CEOs of XXXX, XXXX and XXXX on XX/XX/XXXX to get these incorrect reports removed. On XX/XX/XXXX, XXXX updated my credit report with the correct information and removed the late payments. On XX/XX/XXXX, a man from XXXX called me. We then called XXXX XXXX on a three-way conference call to verify the information I was disputing was correct, but the representative refused to acknowledge. She did ; however, verify that my account was in " current/on-time '' status. As of today, XX/XX/XXXX, I have not heard back from XXXX on this matter.
Company Response: Closed with explanation

Timely Response

2018-10-02

MA

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 have submitted multiple complaints ( including documentation ) to XXXX, including one previously through the CFPB, on this one issue. XXXX lists my current student loan at XXXX XXXX XXXX as having a balance of {$0.00} and saying that it was discharged in bankruptcy. It was not discharged in bankruptcy. I have called XXXX XXXX XXXX who says that they have reported ( and will report again at the end of this month ) that I have a balance which I pay toward each month, am current on payments, and have never been late.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-02

NJ

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I originally had a loan from XXXX and this past spring I looked into loan forgiveness because I am a XXXX XXXX. I applied to what I thought was a federal program and somehow XXXX XXXX has acquired my account. I am not sure how that happened, what they are charging me if there was a fee to switch which I had no intention of doing, I was just answering qustions mailed to me. I thought I was getting loan forgiveness but apparently I did not get loan forgiveness I got a new lender instead.In XX/XX/XXXX I recieved an email that i was a few weeks late on my payment so I paid that along with XX/XX/XXXX. I do online banking so I see when it when out and when it was cashed which was on XX/XX/2018. They sent me another email after that stating i was even more late so I emailed them via their website and received no response. Today I got another email from them stating that I am evn more late so I called them. They said they have nothing on file that I paid and they did not recieve my email. I then asked for a direct email so I would have proof, the rep kept arguing with me to just use their site and I refused since I had used it and thwy have no record of it. I have proof they cashed it and I have a confirmation number. They need to fix that and not ruin my credit and they need to be investigated for ilegal practice of aquiring accounts. They have 666 complaints on XXXX about collection practice and a F rating.
Company Response: Closed with explanation

Timely Response

2018-10-02

Cleveland, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2018-10-02

Tonalea, AZ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Company Response: Closed with explanation

Timely Response

2018-10-02

Royal Oak, MI

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

2018-10-01

Halyoke, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Company Response: Closed with non-monetary relief

Timely Response

2018-10-01

Windermere, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2018-10-01

Lk Buena Vis, FL

Took or threatened to take negative or legal action

Debt collection: Federal student loan debt

Threatened or suggested your credit would be damaged
Complaint: I attended University of XXXX 2005, withdrew from the school due to unprofessional instructors. The loan was refunded to XXXX XXXX by University of XXXX. XXXX XXXX now have my account and they have reported my account to all 3 bureaus deducted as much as 100 points from my credit score. Every month they keep reporting my account causing it to be negative. I have sent letters and documents proving that the loan was refunded/ They are wanting me to pay {$5400.00} for school which I did not attend plus interest. Please stop. This has going on way to long since 2005. I AM HAVING FINANCIAL HARDSHIPP AND HAS EXPRESSED THIS ON numerous occasions. Please stop reporting my account the loan was refunded and they have documents. Please I am begging that this stop.
Company Response: Closed with explanation

Timely Response

2018-10-01

Eldridge, MO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Complaint: I applied for Public Service Loan Forgiveness from the U.S. Department of Education ( XXXX XXXX ) and was told I do not have any ELIGIBLE loan types. With all due respect, I think they are mistaken and may have inaccurate information. I called XXXX and was told to contact my current loan servicer, XXXX. Before XXXX, my servicer was XXXX XXXX XXXX XXXX XXXX directly after graduation from the University of XXXX in 2006. It seems possible that a data entry error could have occurred in the transfers. I have attached documents that I believe prove the eligibility of my loans. If my student loans are not eligible for PSLF, I would like a thorough explanation concerning WHY they are not. I see William D. Ford Direct Loan Program as well as Federal Family Education Loan Program on the consolidation papers. I simply do not understand what the problem is. If I can find evidence that the loans ARE eligible, I can and will re-apply for the loan forgiveness. Thank you for any help you can give me.
Company Response: Closed with explanation

Timely Response

2018-10-01

Queens, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: PLSF : I have been making qualifying payments towards the PLSF- Public Service Loan Program since my employment with a governmental organization ( Department of XXXX XXXX and XXXX ) since XX/XX/XXXX. I have the employment certification confirming this information since XX/XX/XXXX to present day. In XX/XX/XXXX, I received a payment count letter from XXXX noting that I have made only 4 out of 24 Qualifying Payments towards the PLSF program fromXX/XX/XXXX to XX/XX/XXXX. I then contacted XXXX in XX/XX/XXXX requesting review of the payment history and why only 4 payments were being counted and not the entire 2 year period ( 24 payments ). Please note the payments were paid through my debit account as per instructions provided by XXXX and verbally confirmed via customer service at fedloan that these payments were being counted under the PLSF qualifying payments from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, I had not received any updates regarding the payment review or an updated qualifying payment letter. So I filed a complaint regarding this matter through Student Aid feedback in XX/XX/XXXX. I was then assigned a team member from XXXX and an updated qualifying payment to 23. However, the payments from XX/XX/XXXX to XX/XX/XXXX stands at 4 due to pay ahead schedule that i requested to be taken off and reviewed as XXXX verbally confirmed that the pay ahead schedule is being reviewed and can be disputed if i was given the wrong information. On XX/XX/XXXX, they confirmed the review has been closed and the payment count for XX/XX/XXXX-XX/XX/XXXX stands at 4 due to not paying full a, ount due to pay ahead status.
Company Response: Closed with explanation

Timely Response

2018-10-01

Williamston, MI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have two consolidated federal loans with Fedloan Servicing, one is a consolidation of direct subsidized loans and the other is a direct consolidation of unsubsidized loans ( both federal loans ). I am attending a XXXX program full-time and while I am enrolled I do not pay interest on the unsubsidized consolidation loan. I have made two payments in the last few months, one on XX/XX/2018 for {$5600.00} and a second one on XX/XX/2018 for {$3100.00}. The payment on XX/XX/2018 was supposed to be allocated in full to the DIRECT UNSUBSIDIZED CONSOLIDATION LOAN, just like a payment for {$1000.00} on XX/XX/2018 was eventually allocated solely to the DIRECT UNSUBSIDIZED CONSOLIDATION LOAN. Two months have passed since I made that payment on XX/XX/2018. As I mentioned before I have recently made another payment on XX/XX/2018, which was also bizarrely distributed unequally between the SUBSIDIZED and the UNSUBSIDIZED loans. Fedloan Servicing is unwilling to help me. They just keep repeating that the payment will be eventually allocated as I expect, but nothing has been done yet.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-01

Bellmore, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2018-10-01

MO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: This complaint is in regards to XXXX XXXX XXXX, a company that handles federal student loan repayments for the Dept. of Education. In approx. XXXX, I was told by XXXX XXXX XXXX that a company that I was considering working for was a qualifing company for their Public Loan Forgiveness program ( 120 income based payments ) .I accepted the job and started on their loan forgiveness program as time went on. I submitted yearly paperwork to maintain my qualifying status and was updated with paperwork stating how many qualifying payments had been made and how many were left.This exchange of information went on for years and is necc.to maintain qualification in their program.In XXXX, I took another job and finalized my paperwork with XXXX XXXX XXXX in regards to my previous employer and updated them with info on my new employer. I received paperwork in the mail soon thereafter stating that there had been a mistake made and that my previous employer was not a qualifying company but my current employer was and that they were terribly sorry for the inconvience. My previous employer was XXXX XXXX, I worked for XXXX XXXX a government agency contracted by Dept. of Labor. XXXX XXXX XXXX apparently did their research at the end of of my employment and found out that XXXX XXXX was a for profit organization. ( a non qualifier for the loan forgiveness program ) None of which, I knew anything about. I was misinformed at the beginning of this ordeal and am now being told that my otherwise qualifying payments are void. ( XXXX XXXX is a government agency and a 501 ( c ) ( 3 ) which are qualifiers per HR paperwork provided by XXXX XXXX XXXX ) This sort unethical business practice should not be allowed to happen. I am sending all the caloborating paperwork via fax and snail mail. I have spoken with XXXX XXXX XXXX directly and the ombudsman group of the Department of Education in regards to this issue but to no avail.
Company Response: Closed with explanation

Timely Response

2018-09-30

Lees Summit, MO

Incorrect information on your report

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

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

Timely Response

2018-09-30

NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I and my employer, the XXXX XXXX XXXX, have provided XXXX XXXX information on my employment with the tribe several times to qualify for the public service forgiveness option. They have continually rejected my application on false premises, saying I or the employer did not include information I am positive was sent to them. I have worked as a paralegal or title analyst for decades and understand how to fill out forms accurately. These pretextual denials of my renewal status on this program are infuriating. My account number with XXXX XXXX is XXXX XXXX XXXX and I am trying to renew after one year in the program.
Company Response: Closed with explanation

Timely Response

2018-09-30

Palmerton, PA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response