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 114
2018-09-06
PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I qualify for loan forgiveness via the Public Service Loan Forgiveness program. I have a letter from XXXX XXXX dated XX/XX/XXXX that states I have made a total of 63 qualifying payments and have 57 qualifying payments remaining and an estimated eligibility date of XX/XX/XXXX. However, at the time my online account showed that I only made 54 qualifying payments and had 66 remaining. I submitted a request for this to be reviewed on XX/XX/XXXX and was told that it would take up to 10 weeks to be fixed but that the information in the letter was accurate. However, the online account was never updated to reflect the information received in the letter. I submitted an online request in XX/XX/XXXX about this same issue but never received a response and nothing was updated. On XX/XX/XXXX, I re-certified my employment for XX/XX/XXXX through XX/XX/XXXX, during which time I made 12 on-time payments. When I re-certified, I also submitted a letter inquiring about the miscalculation issue and submitted documentation that showed the discrepancies ( a copy of the XX/XX/XXXX letter and screen shots from my online account ) and asked that the information be updated. I received a letter dated XX/XX/XXXX stating that my employment was certified but I did not receive a letter detailing updated number of total qualifying payments made and payments that are still needed. I also did not receive anything regarding the issue of the miscalculations of my payments. However, my online account has now been changed and now shows that I have made 65 qualifying payments and have 55 remaining and has pushed my estimated eligibility date back to XX/XX/XXXX, adding a full year of payments that I shouldn't have to make. This is not correct! With the 12 qualifying payments I made between XX/XX/XXXX and XX/XX/XXXX, I should have a total of 75 qualifying payments made and have 45 remaining. I called today ( XXXX XXXX ) and spoke with a representative who said my initial review request from XX/XX/XXXX has not been addressed yet and it could take up to 6 months ( it's been 10 months ). She also said that of the 98 payments I have made since XX/XX/XXXX ( when I first became eligible and starting making payments ), 33 of them don't qualify because I didn't pay the full amount. I have always made full and on-time payments, and have never received any notices of late payments or delinquency. I have documentation that states what my qualifying payments were as of XX/XX/XXXX and have the amounts, statement dates and confirmation numbers for every payment I have made for the past three years. However, XXXX XXXX will not give me any straight answers and will not work with me to resolve this issue. As of today, I am now being told that it can take up to a year for the issue to be resolved. That is crazy! I have called multiple times and I am never given a straight or clear answer. I'm continually told to wait weeks or months and call back. Meanwhile, the qualifying payments that I have made and continue to make are not being accurately accounted for and applied to my loan forgiveness eligibility.
Company Response: Closed with explanation
2018-09-06
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
2018-09-06
Dayton, OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I am in the IBR repayment plan and the PSLF program. As of XX/XX/XXXX, both my unsubsidized direct and subsidized direct student loans were both scheduled to be forgiven on the same date in XX/XX/XXXX -- which makes sense, as they have been consolidated for nearly twenty years.
However, this year, twice within the month of XXXX, suddenly, and apropos of nothing, XXXX, the servicer, reevaluated the number of " qualifying payments '' on the unsubsidized portion of the supposedly previously consolidated loans and reduced the number of qualifying payments I have made by eight.
I sent a detailed description of the problem to the servicer, asking for an explanation and some justification. I also opened a case with the servicer 's Ombudsperson, with identical text.
The servicer responded a week later with boilerplate from the servicer 's website making reference neither to my stated issues, nor to the resolutions I had requested. I responded with a polite, but firm request for an actual, thoughtful, dispositive, responsive, non-robotic reply to my problem. The servicer responded with an even shorter, less relevant reply containing a passage of boilerplate text that had appeared in the original response. It's obvious the replies are almost certainly automated, or are keyword-generated by XXXX speakers working under strict time constraints. The Ombudsperson could not be bothered to reply at all.
Company Response: Closed with non-monetary relief
2018-09-06
Detroit, MI
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Company Response: Closed with explanation
2018-09-06
Detroit, MI
Took or threatened to take negative or legal action
Debt collection: Private student loan debt
Threatened or suggested your credit would be damaged
Complaint: I have contacted AES/XXXX several times over the past 5 years to have negative debt that they have no proven is owned by them or owed to them. I have disputed this information numerous times with Experian and XXXX XXXX and still 4 private student loans that have not been validated with proper chain of custody or assignment. These accounts are ruining my credit and preventing me from being able to purchase a home. I have a Ch XXXX bankruptcy that was uncontested and therefore XXXX XX/XX/2012. There are several lawsuits against this student loan company and there subsidiaries ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ) for wrongful lawsuits that resulted in default judgments that were filed after the statute of limitations had passed and without proving ownership of said loans. I would like for this incorrect information to be removed from all 3 credit bureau reports and XXXX XXXX report. The following is the information showing for the loans as of date. The duplicate accounts were removed from my XXXX and XXXX credit bureau reports that were listed under XXXX XXXX, however, they still remain on XXXX and XXXX XXXX reports as shown below.
AES/XXXX {$62000.00} AES {$27000.00} AES/XXXX {$13000.00} AES {$10000.00}
Company Response: Closed with explanation
2018-09-06
Shirleysburg, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: On XX/XX/2018, I contacted XXXX XXXX to make extra payments towards the principal balance only on my loan. The representative stated, " it simply was not an option, any extra payments will be applied to both the principal balance and the interest. '' I feel like XXXX XXXX is taking advantage of college graduates by not allowing them to try to get ahead by making extra payments towards their principal balance only.
Company Response: Closed with explanation
2018-09-06
Nashville, TN
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
2018-09-06
Houston, TX
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: This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus XXXX, XXXX, XXXX delete these late payments and update my profile
Company Response: Closed with explanation
2018-09-06
Monroe, 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
2018-09-06
Philadelphia, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I am a government employee who qualifies for PSLF. I have been making payments on my loans since XX/XX/XXXX. There were no interruptions of payments as every month the payments were deducted automatically from my bank account. At no point did I request a forbearance nor was I aware of my account going into forbearance. Last year, XX/XX/XXXX, I submitted my form for PSLF. Once I requested to be considered for the Public Interest Loan Forgiveness program, my former lender, XXXX, transfered my account to XXXX. At no point was there an interruption of my payments as I mentioned above the payments were automatically deducted. Today, I spoke to XXXX to inquire about the status of my PSLF certification. I was informed by the rep that only one payment ( XX/XX/XXXX ) qualified for PSLF out of all the payments I made between XX/XX/XXXX-XX/XX/XXXX because of an administrative forbearance that was placed on my account without my consent. Again, I have been making monthly payments on my loans the entire time. When I asked the rep about the forbearance she stated it was placed by XXXX from XX/XX/XXXX-XX/XX/XXXX. I asked to speak to someone who could assist me in this and she informed me there was no one to speak to but she can send my PSLF application for review. This infuriates me. I have been paying off my student loans diligently and I don't want to get screwed by this lender. Please have someone get in touch with me asap because I do not trust XXXX and XXXX to take care of this. Thank you!
Company Response: Closed with explanation
2018-09-06
Kosciusko, MS
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I am a federal worker and qualify for the student loan forgiveness program.I submitted the original certification form on XX/XX/XXXX and a recertification form on XX/XX/XXXX. I have not received any information and/or notifications on my correct payment count. I called XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and this issue has not been resolved. Each representative keep informing me that the process takes up to 90 day ; however, it's been almost 20 months since the original form was filed. I am trying to ensure that the correct count is made and that they are not trying to force me to forgo the forgiveness process. No one at XXXX are wiling to help me. They just keep telling me that they will resubmit the forms. I have no clue what to do next.
Company Response: Closed with explanation
2018-09-06
Shirleysburg, PA
Written notification about debt
Debt collection: Private student loan debt
Didn't receive enough information to verify debt
Complaint: XX/XX/XXXX -XX/XX/2018, I requested Master Promissory note via phone.
XX/XX/2018- debt verification letter was delivered to alleged servicer of loan Between XXXX - current ASEXXXX has only provided an application as stated on top of the documented received. XX/XX/2018 - creditor contested on credit report XX/XX/2018 - credit verified name, SSN, DOB & address to remain on credit report.
After of XX/XX/2018 AES has not delivered debt verification letter requirements asking for master promissory note and signature verification for electronic signature
Company Response: Closed with non-monetary relief
2018-09-05
Lewisville, TX
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: XXXX XXXX and XXXX XXXX continues to send negative information to credit bureaus regarding my accounts. I have been sued by my own family, have had my XX/XX/2018 tax refund wrongly taken by the US Department of Education ( {$2000.00} ) which I included in a separate CFPB complaint, and have been facing eviction in my current place of residence. I have also had a lack of food due to lack of money.
Because the US Department of Education failed to return my {$2000.00} tax refund or give me a reason as to why it was not returned to me, my car was repossessed. Now, looking at my credit report, I can not qualify to buy a new car because my credit has been negatively reported by XXXX XXXX, who is contracted by the US Department of Education.
I would like them to take the false, negative information off my credit report. Mutliple contracted agencies are taking advantage of my terrible financial situation and I want it to stop. I want XXXX XXXX, along with ALL US Department of Education contractors to discontinue negative reporting on my credit. You are beating a dead horse. I have been faced with multiple evictions ( one because of the US Department of Education ) and have had my car repossessed because again, my refund was not returned to me. And now, as I try to fix the problem the US Department of Education and their contractors created ; they have sent numerous negative comments about my credit.
The US Department of Education and their contractors need to work with me, not against me. I need to be able to buy a car and live my life. I have NO other negative marks on my credit, except for what the US Department of Education and their contractors have submitted. I am asking you to stop, it Is ruining my life.
Company Response: Closed with non-monetary relief
2018-09-05
Verona, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I have twice submitted for employment certification for an employer who refuses to acknowledge my time working as a XXXX XXXXr. The first time, I requested it be investigated by CFPB, and the following paragraph was the company 's response : " The XXXX we received from you on XX/XX/2017, and which included several XXXX to prove your employment as qualifying during the time periods you listed, has been processed. Regrettably, we can not fully complete and certify the timeframes you listed. The dates must be in a Month/Day/Year format, with the day being exact or, if this information is unavailable, your closest possible estimate. '' I therefore resubmitted, correcting the Month/Day/Year format, and it was once again denied. This time, the denial letter explained that there was missing information section 4, and that the organization was still operational, and therefore an official must certify. It is true that the organization is operational, however, they have refused to certify. The box I checked includes the terms " refused to certify, '' and therefore I believe that this form was not given adequate consideration before being denied.
Company Response: Closed with explanation
2018-09-05
Scottsdale, AZ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I'm trying to pay off a loan balance of XXXX ( loan seq XXXX ). I made two payments onXX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. The payment on XX/XX/XXXX does not appear anywhere on the loan transaction history for that loan. CFPB nor XXXX acknowledged what happened to my XX/XX/XXXX payment on my previous complaint. Additionally, why are the highlighted payments going to Interest only? Payments made should be going to principal and interest. Please see highlighted attached and reverse each payment and apply to both principal and interest. This is highway robbery. XXXX XXXX should be investigated for their payment practices.
Company Response: Closed with explanation
2018-09-05
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: Hello, My initial loans were federal loans, which I then consolidated with one of the larger companies ... XXXX XXXX, I believe. Seven years ago, my loan was bought by another company, American Education Services. The main problem I am having is this : Many months, I would send in more than the minimum payment, typically {$20.00} or so. Some months ( only a handful ), if I had forgotten that I made a payment already, I made two full payments of {$130.00}. About two months ago, my minimum payment was raised from {$130.00} to {$290.00}. This is due to the ORIGINAL consolidation terms being a balloon repayment plan. ( That is a whole other story to get into later ).
I started looking into my loan payments and balance amounts at this point, however, and realized that for almost two straight years, not a single amount of my monthly payment went toward the principal of the loans. During the other years, anywhere between 5 to 7 of the 12 payments during those years saw the same situation - not a single amount of the payment going to principal.
I sent them an email questioning them on this, and they send back some XXXX information about how, in their opinion, they do not have to put money toward the principal, that they can allocate the money toward interest for the next month.
Company Response: Closed with explanation
2018-09-05
Birmingham, AL
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
Company Response: Closed with explanation
2018-09-04
Milwaukee, WI
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: Account was in deferment but fed loan serving reported it past due and after reporting it past due changed the loan to current.
Company Response: Closed with non-monetary relief
2018-09-04
TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: So I have tried and tried and done so year after year. I did not sign or even apply for a Federal Student Loan. I still think the School that I so called attended had something to do with this by taking advantage of me I feel the school Falsely certified my eligibility to receive the loan based on my ability to benefit from its training, I also feel the school signed my name on the application or promissory note without my authorization, or the school endorsed my loan check or signed your authorization for electronic funds transfer without your knowledge.
After finding out I was an apparent student I withdraw from school after learning a so called loan had been opened in my name, I also think the school should be required to return part or all of this loan money.
Company Response: Closed with explanation
2018-09-04
Brentwood, NC
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: AFFIDAVIT OF DENIAL STATE OF XXXX XXXX COUNTY OF XXXX I specifically deny that these alleged account/debt and/or account stated/implied and/or from XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX obligation is certainly mine, if these alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ).
I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that these alleged account/debt and/or account stated/implied and/or obligations is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with DEBT COLLECTOR or any of its Affiliates nor have I ever engaged in any business with DEBT COLLECTOR in the past. These alleged account/debt and/or account stated/implied is FRAUDULENT upon my good name and has caused me injury for which I will seek redress, compensation and settlement. Each company named above has failed to respond with valid proof of claim. They are now in default and compensation and settlement is due. PLEASE COMPLETE ATTACHED AFFIDAVIT TO SUPPORT YOUR CLAIMS UNDER PENALTIES OF PERJURY or agree to pay the settlement order in the next 3 days.
The following inquiries were NOT authorized and need to be deleted immediately.
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX Dated this XX/XX/XXXX Without Prejudice By : XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX All Rights Reserved
Company Response: Closed with explanation
2018-09-04
El Paso, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2018-09-04
MD
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: American Education Services Management needs to make a concerted effort to improve the AES website for borrowers AND co-signers. I am a cosigner for my daughter and recently attempted to setup recurring payments to her loan account while she's in school. There appears to be one option to setup recurring payments, snail mail to XXXX, PA, then watch and wait to see when change is actually implemented ( no indication of whether payment amount can be changed at later date as loan amounts grow without submitting another snail mail form ). Before throwing in the towel and surrendering to the snail mail form ( s ), I'm going to get my daughters login information to see whether i can withdraw direct from my account from her account. This process is nothing like other online processes, as online banking/bill and loan payment, online investment houses, online shopping, etc. AES Has made an already frustrating process even more miserable. Someone who understands the process needs to redesign your website and simplify the online payment process for both the borrower AND the cosigner. I suggest using online banking with online bill and loan payment options as your guide.
Company Response: Closed with explanation
2018-09-04
Chicago, IL
Incorrect information on your report
Mortgage: Other type of mortgage
Company Response: Closed with non-monetary relief
2018-09-03
Bedford, TX
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: Joined the XXXX XXXX in 2016 and had to be gone for 25 weeks. Called the XXXX and requested a payment deferment/forbearance and got approved but still reported 5 months on 5 different tradelines late. Have tried to explain to that I had a forbearance was approved for that period and had not to be reported late. At first, they denied any forbearance approval in the past since they could not see anything in their system. But the grace of XXXX, they recently researched and found the letter. However, I have tried to get them to remove those late multiple times but they insist that their reporting accurate.
Company Response: Closed with explanation
2018-09-03
Naperville, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: They are saying I am out of school as of XX/XX/2018. They did not do their research. The new school session started on XX/XX/2018 and I am currently a XXXX XXXX. Also, the school on the loan needs to be updated to XXXX XXXX, they have the wrong school attached to the loan.
Company Response: Closed with explanation