AES-PHEAA
Consumer Complaints
There are over 9925 complaints on file for AES-PHEAA. Dated between 2019-12-11 and 2012-03-07.
Complaints Page 11
2019-10-21
Medford, OR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-10-21
Holly Springs, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-10-21
Cols, 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
2019-10-21
Beekmantown, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2019-10-21
Chester, NY
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
2019-10-20
Garrett Park, MD
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
2019-10-20
Brooklyn, NY
Problem with a credit reporting company's investigation into an existing problem
Student loan: Federal student loan servicing
Problem with personal statement of dispute
Company Response: Closed with explanation
2019-10-20
Clayton, MO
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with non-monetary relief
2019-10-19
Rockwell, NC
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
2019-10-19
Tampa, FL
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
2019-10-18
WA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-10-18
Washington, DC
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Company Response: Closed with explanation
2019-10-18
OH
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation
2019-10-18
Berthoud, CO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2019-10-18
Gentilly, LA
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
2019-10-18
Bowmont, ID
Written notification about debt
Debt collection: Private student loan debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-10-18
Wichita Falls, TX
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
2019-10-18
FL
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-10-17
Santa Barbara, CA
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: Applied to change from IBR/IDR to fixed payment in XX/XX/2019. Application was accepted in XXXX, and was not fully processed until XX/XX/2019. The processing is to take 90 days or less. Mine took six months to process and my credit report shows missed payments for XXXX, XXXX, and XX/XX/2019. When I did in fact pay all payments that were due and an additional payment that was not required. The reported missing payments took my credit score from a XXXX to XXXX.
I have contacted fed loan on three separate occasions to get assistance with errors in credit reporting. The most recent time I was told to fill out a credit dispute form because my application should have been processed by the end of XXXX. Instead it took three more months.
This resulted in fed loan reporting that I made no payment and was not deferred because the application was processing. Credit reporting agencies took that as 3 missed payments on 6 loans. Its being reported that I 18 missed loan payments when I did not miss any payments. Fed Loan was processing my application.
I have no control over how long fed loan and their employees take to process applications. I got caught up in their inefficient and slow processing. I am being penalized for the delayed processing of fed loan. Are they not accountable for reasonable processing times, and correctly reporting to credit agencies while processing?
I would like for fed loan to accurately report the standing of my loans for 2019. I used to pay {$0.00} per month, now I pay {$420.00} per month. All I wanted to do was get on track to pay off my loans. Fed loan took six months to update my payment costing my credit score 63 points.
Company Response: Closed with non-monetary relief
2019-10-17
Cordova, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-10-17
Allen Park, MI
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Company Response: Closed with explanation
2019-10-17
Ft Lauderdale, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I originally received several student loans when I attended college/university over 10 years ago. The loans were eventually consolidated over to Fedloan Servicing and placed in Forbearance, due to my inability to repay the loans because I was unemployed for years. As of XX/XX/XXXX, I was not required to make any payments due to the forbearance. Unbeknown to me, on XX/XX/XXXX my loans were taken out of forbearance and repayment was to begin, however I was NEVER notified by Fedloan. I did not receive any repayment notices via USPS mail/email nor phone call. I was unaware that any payments were due or that the forbearance was over because Fedloan failed to properly notify me. My address/email and phone number are correct on my credit file and I should have been properly notified that a payment was due so that I could remedy the situation. Fedloan began reporting late payments to all credit bureaus in XX/XX/XXXX and continued to due so through XX/XX/XXXX. Because the loan is divided into ( 7 ) individual loans, I have over 40 erroneous late payments now displayed on my credit report. I only discovered that the forbearance was terminated after I pulled my credit report in XXXX of XXXX and saw these late payments. I immediately called Fedloan and spoke to customer service about the issue. I explained to the representative that I was unaware that my forbearance was over and that I never received any notices from them for 6 months. I told them they had a duty to notify me and that due to financial hardship I still would not be able to make any payments. So they told me to apply for the {$0.00} payment Income Driven Repayment plan. After applying for the income driven repayment plan, it was determined by Fedloan that I qualify for $ XXXX monthly payments. Which is fine, however I have written Fedloan several letters and placed several phone calls to Fedloan demanding that they delete the late payments, as they failed to notify me of the forbearance ending. As a service provider, they have the duty to properly notify the consumer of payments due, and the intent to report alleged " late payments '' to the bureaus. Furthermore, the alleged " late payments '' were not indeed " late '' because I have not been employed for over 2 years and I qualified for {$0.00} repayment as of XX/XX/XXXX ( the end of my forbearance ). Had Fedloan properly notified me back on XX/XX/XXXX, I could have applied for the Income Driven Repayment plan back then, I would have been approved for $ XXXX monthly payments because obviously my financial status has not changed in almost 3 years, and I would have never endured the hardship of having these late payments affect my credit. The erroneous late payments being reported by Fedloan are causing extreme hardship and is affecting my ability to obtain lines of credit. I am a mother, and currently unemployed and these late payments that have illegally been reported to the credit bureaus need to be removed due to Fedloan 's negligence to properly notify me that my forbearance was over and payments were due.
Company Response: Closed with explanation
2019-10-17
PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I attempted to refinance 4 out 8 of of my highest interest rate loans with My Fedloan on XX/XX/2019. After noticing that the refinance payments had been incorrectly applied to the wrong loans, I called a first time on XX/XX/2019 to have this corrected. The first customer service representative told me that the payments would be reapplied correctly in 1-2 weeks and recommended that I continue to make my regular payments. After checking back, the refinance payments were never reapplied so I called for a second time on XX/XX/2019. I spoke with a RUDE and condescending customer service rep who spoke over me, did not listen to my issue, and told me repeatedly it was my own fault that the loan refinance payments were reapplied incorrectly. I was then told that the entire refinance amount would need to be mailed back in check form to me- directly. At this time I asked to speak with upper management and was redirected to another associate. The next woman assured me that the refinance amount would, in fact, NOT be sent back to me in check form and the payments would be corrected in 3-5 business days. Throughout this process I have been making regular payments on all loans ( including the loans that should've been paid off ). I was assured by XXXX, that there would be an excess of payment after the refinance payments were corrected and that this would be redistributed to my account in order to avoid delinquency. It is now XX/XX/2019 and my account is '28 days delinquent '. While the refinance payments have been corrected, the over payment is not being applied to current loans. I have called XXXX XXXX numerous times with no response, and the customer service representatives at MyFedLoan have told me that the over payments are being refunded in check form instead of being applied back to the account. I'm extremely disgusted to experience my student loan debt be handled by such a disorganized and inept service provider. A word of advice for those looking to fund necessary education for their future- avoid myfedloan.org at all cost.
Company Response: Closed with non-monetary relief
2019-10-17
Rochester, WA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I spoke with XXXX at Fed Loan Servicing employee number XXXX on XX/XX/2019 at XXXX XXXX EST. He gave me conflicting information on my eligibility for the PSLF program as well as the difference between PAYE vs REPAYE and the status of either loan if I were to take out new loans.
I asked to speak to his manager for clarification and he refused putting me on two 5 minute holds so I could " think about it ''. When I didn't hang up he said he would transfer me to a supervisor but instead he hung up. I spent an one hour and 20 minutes on the phone and still couldn't get my question answered.
Company Response: Closed with explanation
2019-10-17
Cheverly, MD
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: I am a cosignor for my daughters loan. I cosigned back in XXXX for two loans with American Education Services. I was told that if she paid the loans back for 2 years with loan late payments I could be taken off the loans. I call back in XXXX to get my name removed and they gave me the run around and I was told some paperwork would be sent to me. Then I call back in XX/XX/XXXX to ask to be removed off the loans and I was told that I could not be removed under any circumstances. I then asked for a copy of the note I signed and they sent me some bogus note and a copy of the faxed signature page. I am requesting to remove off the loans. I would have never agreed to cosign if there was no process of me being removed other than paying them off.
Company Response: Closed with explanation