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 111
2018-09-18
Ft Myers, 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
2018-09-18
Eureka, CA
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 non-monetary relief
2018-09-18
Medina, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: First, about a month ago, AES charged me {$4000.00} in interest for ONE day and they also would not help me change my due date to better suit my paychecks. Then they negatively reported my account to the credit bureaus. After reporting them to the XXXX, they fixed it.
Now the payments are due on the XXXX of each and every month. This past XXXX (XX/XX/XXXX ), I noticed my payment did not come out of my checking account NOR did it post to my account on AES. When I checked to make sure that no payments were pending, I made a payment as a warning on my account said the payment was due and late. Note that I believed I had a direct debit set up but their system said I did not. So I made a payment. I then checked the next day and it now showed two payments ( one on the XXXX and one on the XXXX ). I called them and complained and said they needed to return one payment and I told them the problem and they said " there is nothing they can do and it would take 30 days to return my money ''. This is NOT ACCEPTABLE. This loan company has been XXXX me over for a long time.
Company Response: Closed with explanation
2018-09-18
Dallas, TX
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Company Response: Closed with explanation
2018-09-18
MA
Dealing with your lender or servicer
Student loan: Private student loan
Need information about your loan balance or loan terms
Complaint: In XXXX I lost the employment and had to get off my income based repayment plan and was moved to forbearance due to unemployment. I regained employment in XXXX. I called AES to request that an Income Based Repayment ( IBR ) plan application be mailed to me. After a few weeks I called back and was told that the IBR was mailed but that they would send it again. A few weeks later after receiving nothing I called back and was told that nothing was mailed either time and that I can go to the website to get the application. I said that I don't want to go to the site and asked that get the application mailed to me as I did 3 calls and 2 months prior. A few weeks later I called again for a fourth time asking where the application was because I still haven't received anything. I was told that the " systems were down '' and that " nothing could be mailed but I could go to the website ''. I told that person that for the fourth time and 3 months after my initial request that I still want the paperwork mailed. After receiving the paperwork I completed the application as instructed and faxed it in along with the required pay stub. 2 weeks later I got an email saying that my application was denied and I have to stay on my current plan. I emailed back saying that how could my application be denied? I am working and want to start repayment but can not because they denied my application and want me to continue paying nothing! They replied back saying that I was denied and have to stay on my current plan. I replied saying that is ludicrous. I can resume repayment because I have income and don't want to continue paying nothing. AES 's response was that I must continue on my current plan until next year when my current repayment plan is up for renewal. That is insane. They owe me for the 3, now 4 months of accrued interest and to go over with me terms of repayment. What AES is doing is CRIMINAL.
Company Response: Closed with non-monetary relief
2018-09-18
Philadelphia, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I am seeking student loan forgiveness through the PSLF program. My account has been under review with XXXX for the better part of a year due to my account somehow being arbitrarily placed in paid ahead status. They are not giving me credit for approximately 2 years worth of payments, despite the fact that I have never paid more or less than the amount due, and have never been late, and have always made payments without fail since XX/XX/2010, except for periods of forbearance.
I have two loans serviced by XXXX. On one loan they have it listed as 47 qualifying payments, and another as 59 qualifying payments. I pay one amount every single month, which pays both loans.
I have called countless times, always receive the same responses : that my account is under review, and they should be finished with it soon. They always tell me that there is no reason any of my payments should have been denied, but every month my statement shows the same number of payments, despite submitting new employment certifications, which is when they claim to update the number of payments.
I have copies of banking records verifying every payment made over the last eight years, but I dont think I should attach them here, but I could provide them if requested.
Company Response: Closed with explanation
2018-09-18
Okc, OK
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't temporarily delay making payments
Complaint: I am a XXXX in Oklahoma who gets paid once a month on the XX/XX/XXXX- always have and always will. XXXX has known this since XX/XX/2012 and has NEVER allowed me to change my due date to the XX/XX/XXXX. Even now, when I am having a major water leak, no running water in our home and after being defrauded out of almost {$1000.00} by corporate greed in XX/XX/XXXX- I also have a new student loan payment to contend with. I need help to get my family back on our feet again- this couldn't have come at a worse time. I applied and was denied a XXXX XXXX that can be used unlimited number of times with no explanation. I deserve that if anyone does! We appreciated greatly the forbearance this past year and we desperately need another length of time to finally secure some vestige of a financial future despite my egregious loan amounts. I'll NEVER be able to even pay a dime of the principal, I've dedicated my life to XXXX and kids ... and since Student Loans are the ONLY debt no one can EVER get rid of- We suffer - year in and year out because I went to college right when it was most expensive and least valuable. Now I commit my life to kids and my community and give back EVERYDAY with no hope of ever getting out from under my {$140000.00} in student loans. I borrowed about {$45000.00} total. The rest is fees, interest, and money the Federal Government is making off me ... a guy making {$31000.00} a year. Can someone please help us get a forbearance or debt cancellation. How can we live our lives under this incomprehensible debt? Being forced to pay a bill 4 days before payday that you can not afford is a recipe for more lost funds for my family! Please help us- we may be forced to move soon and need help!
Company Response: Closed with explanation
2018-09-17
Brandon, MS
Written notification about debt
Debt collection: Federal student loan debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-09-17
East Chicago, IN
Written notification about debt
Debt collection: Federal student loan debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-09-17
Marinwood, CA
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with non-monetary relief
2018-09-17
Rescue, CA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Company Response: Closed with explanation
2018-09-17
Ridley Park, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Today i called XXXX XXXX XXXX to see what my new monthly rate would be on the income based payment program. I was told months ago before i could reapply for this i had to make 3 consecutive monthly payments of {$170.00}. I made the 3 payments and submitted my paperwork for the application on XX/XX/XXXX. When i called a few days ago they told me that i should know something by the XXXX because my application is still processing. Today they told me that they would not be able let me get on the program because i did not make my payments on time. I said my payments were accepted and i asked were my payments considered late each and every payment. In fact, when i called back in XX/XX/XXXX of this year, the gentelman on the phone told me i actually paid my payments weeks in advance and i did not have a payment due XX/XX/XXXX. My previous payment covered my payments and i am in good standing nowhere near late. I was told 3 seperate peices of information. I was told my payments were never late, i am in fact qualified for the repayment plan and i was most recently told today XX/XX/XXXX that my payments i made of {$170.00} did not count because i didnt make them on time. Im extremely angry with XXXX XXXX XXXX with giving me false informatiom each time i called. In the past week i have called XXXX XXXX XXXX to check on my processing 4 times. This is extremely stressful and frustrating for me and i need this resolved immediately.
Company Response: Closed with explanation
2018-09-17
Pgh, PA
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
2018-09-17
Dallas, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: It shows on My XXXX report XXXX XXXX XXXX is reporting loans account # XXXX a 90 days late as XX/XX/XXXX. I have dispute the information with XXXX and they sent a letter stating the information were correct with no proof. I also reach out to XXXX XXXX XXXX XXXX several of times, they also stated the information were correct. I spoke with a Rep XX/XX/XXXX. She stated she will open another dispute and will reach back out when dispute is finalized. I have not received an email or notification regarding this matter. My account never been late I always had my account in Deferment or forbearance status. There is no way I could have fell in a 90 day late status
Company Response: Closed with explanation
2018-09-17
Charlotte, NC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I have had continuous problems with XXXX XXXX. They are taking advantage of people with student loans under the Public Service Loan Forgiveness ( PSLF ) program. They will not consider taking into account I have made over four years worth of payments to XXXX XXXX before moving my loans to XXXX XXXX in XX/XX/2017. XXXX has yet to tell me how many total payments I have made toward my 120 qualifying payments before the loan is considered forgiven. I have made numerous phone calls ( more than 5 ) to get an answer to this question and have not received back any consistent answers. They currently say they have my loan under a review, but that it could take months for them to make a decision about how many of my payments should qualify for their program. They also claimed they would not considered any payments that I paid ahead ( I explained I did this because of building interest ). I was promised calls back numerous times and no one reached out to me or returned my calls. I have been with XX/XX/XXXX for over two months and have yet to receive any notification of how many qualifying payments I have made nor have I received a date of which I could expect to be eligible to apply for loan forgiveness.
Company Response: Closed with non-monetary relief
2018-09-17
Philadelphia, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: In XXXX XXXX required that I direct consolidate my loans in order to qualify for PSLF. I had previously direct consolidated my loans, but did not have any documentation. I recently found an email dated from XXXX informing me of my submitted consolidation application. As of right now XXXX will only review payments made since my XXXX reapplication. However, I have been paying my loans since XXXX and would like all my payments reviewed to determine whether they qualify for PSLF. I'm attaching the email that was sent to me in XXXX in response to my direct consolidation application.
Company Response: Closed with explanation
2018-09-16
Scottsdale, AZ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: My issue is with my federal school loans being discharged through the Public Service Loan Forgiveness ( PSLF ) Program. XXXX XXXX handles all PSLF applications and have no other way to resolve my issue but through them. I have been eligible for PSLF since the beginning of XX/XX/XXXX. XXXX XXXX contends that I still have more than 3 years left to pay on my federal loans to become eligible. Their basis for that conclusion is that I consolidated my previous federal loans into one in XX/XX/XXXX, making all previous payments ineligible. My first contention is that I was told several times by the previous loan servicer that the consolidation would have no effect on my PSLF and I was encouraged to consolidate.
My second contention is that ALL my school loans have always been federal loans ( Federal Stafford Unsubsidized/Subsidized, Direct Unsubsidized/Subsidized, Direct Consolidation Loans ). Per 34 CFR 685.219, I have met all the requirements allowing my school loans to be discharged through PSLF. Nowhere in that CFR does it state that consolidating previous eligible federal loans into one federal loan makes previous payments ineligible. This means XXXX XXXX and/or Department of Education ( DoE ) are arbitrarily foregoing what the original CFR states and denying PSLF applications. XXXX XXXX is refusing to acknowledge this error in their assessment of my PSLF application and change course so as to rectify the issue. I have no way to appeal to any other loan service provider and/or to someone who can recognize the multiple flaws that plague XXXX XXXX assessment of PSLF applications.
Company Response: Closed with explanation
2018-09-16
Brooklyn, NY
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
2018-09-16
Severna Park, MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Hi-I previously submitted a complaint to CFPB ( XXXX ) in XX/XX/XXXX. Either CFBP misunderstood the complaint or XXXX XXXX misrepresented the response.
The issue continues to be that fedloans has not properly calculated payments for the Public Service Loan Forgiveness Program.
I am a former XXXX XXXX and currently an XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX. Other than a few months ( approximately 3-4 ), I have been making qualifying payments since XXXX. Yet, XXXX continues to miscalculate this.
Would like this elevated ( potentially to the senior leadership at the Dept. of Education ) as this issue has been going on now for several years. My cell is XXXX. My work email is XXXX and personal email is XXXX Thank you and sincerely, XXXX XXXX XXXX, XXXX
Company Response: Closed with explanation
2018-09-16
Columbia, SC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: i received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with zero balances. thank you Sincerely, XXXX Veteran
Company Response: Closed with monetary relief
2018-09-16
Las Vegas, NV
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 attended XXXX 's XXXX XXXX for 2 weeks and I dropped out back in XX/XX/XXXX due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated and I never graduated from college. Please review and remove this inaccuracies from my credit file.
Company Response: Closed with explanation
2018-09-15
Mount Holly, OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: XXXX is the previous complaint that was closed. The attachments are included with that complaint.
XXXX added almost $ XXXX in interest to my account even though I turned in my application on time. They state the application was incomplete, however refuse to point out on the instruction sheet where I did not follow directions. I was in constant contact with them because they told me a different thing every time I spoke to them. I continued to follow their verbal directions. They eventually told me to resubmit the entire application. I did and then they told me it was too late and added XXXX to my loan.
I filed the complaint with cfpb. They emailed me and stated they should have used the previous years income before counting it as late and took off the interest they had previously added. cfpb closed the case. XXXX then added the interest right back onto my account once the case was closed with cfpb. I emailed them again, and they sent me emailed and voicemails stating they are allowed to do this and literally restarted the entire issue. Every time I try to call, they act as if they have no clue about the entire case. They are continuously trying to ruin my credit. My XXXX in loans is now up to XXXX, which I will never be able to pay because they illegally added interest. They stated again I did not have the application in on time. Which I did. They stated it was incomplete and keep telling me reasons, but none of these reasons are actually on the directions sheet.
Company Response: Closed with explanation
2018-09-15
AR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2018-09-15
Lawrenceville, 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 explanation
2018-09-15
Lawrenceville, 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 explanation