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 116
2018-08-28
Five Points, NC
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Complaint: Below is a transcript of my most recent and what is now 4th complaint to XXXX XXXX. These complaints are met with abandonment and rhetoric meant to keep me in a never ending loop of never reaching a solution.
Dispute Details : Beginning in XX/XX/2016 I began a series of outreach attempts to XXXX via email and phone call. At the time, I had relocated and so did not receive a paper version of my bill. This was of course around the time that my loans exited forbearance and entered repayment. Despite this, I attempted to login into the account via the website to submit payments. I was locked out due to failed login attempts ( I forgot my password ). This is when I began to reach out to XXXX per the reset password service instructions. My emails went responded to and my phone call often ended before I could speak with a representative due to 1 hour+ wait times. I eventually did connect with someone and had my account reset. At that time, I brought the account current due to retro dated forbearance granted by XXXX. Ever since, my account has been in good standing. I was assured, ON TWO OCCASIONS, that due to the nature of XXXX not responding that these late payments would cease to be reported to the consumer agencies. That unfortunately has not become the case.
I have spoken with 5-6 representatives over the past year regarding the situation. I have been told to submit credit disputes such as this one ( this being the 3rd ). I have been told that theres nothing anyone can do and that I dont meet the requirements of a customer service escalation. I have been ignored and put into the same loops of action over and over without any substance of a conclusion coming to fruition. To put it candidly, I have been told that I am a liar and that even though I tried to pay when the account was due but was unable to do so because no one from the company would respond to me during that time.
Today I spoke with one XXXX ID # XXXX. His outtake on the situation and his demeanor is representative of that of the experience with XXXX over this past year and a half. When I asked what I was supposed to do in order to get the issue resolved since I feel XXXX was negligent in allowing me opportunity to pay and that your own representatives had instructed and assured me that the payment statuses would be updated, XXXX had the pleasure of telling me and I quote It doesnt matter what anyone said. We are not going to change our position. Any subsequent dispute you submit will be deemed repetitive and frivolous. You do not meet the requirement for escalation. That is capitalism. We can do what we want.
Up until today, I thought surely this company cant be mindlessly doing whatever they want and whole heartedly discrediting and ignoring customer complaints. XXXX and most of the rest of the XXXX team have proven the exact opposite of those thoughts to be true and rampant throughout the company.
These late payments and XXXX negligence has put immeasurable strain and damage to my credit worthiness. Thus, it has caused untold amounts of direct monetary implication.
Company Response: Closed with explanation
2018-08-28
GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: My loan is being serviced by XXXX Account # XXXX Originally the loas were with XXXX XXXX and XXXX. Both companies failed to properly provide counsel regarding loan consolidation and the current company is calculating my payment using my gross payments.
Company Response: Closed with explanation
2018-08-28
Phila, PA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Investigation took more than 30 days
Complaint: confirmation number XXXX Issue # 1. XXXX hasnt not been corrected. Accounts still show bankruptcy. They were not included in a bankruptcy. So far I have submitted fedloan documents showings accounts paid in full not derogatory. I have also supplied bankruptcy papers showing not included in a bankruptcy. Also XXXX discharge due to XXXX papers. EVERY TIME I call XXXX they tell me they are not going to remove. They have also refused to conference call with the creditor. Now they told me on phone they dont have documents I submitted and will not call any bankruptcy court to verify. They have also sent me letters im being frivolous recently. This improper reporting has cost me many credit card applications and housing since I have so many fedloans not showing paid as agreed. I have been waiting and fighting a year to be fixed. Fix immediately. Should show 7 to 9 paid in full accounts. No more pending. XXXX refuses to fix immediately after this error has been partially there fault for over a year now. This needs to be rushed now. Im getting economic loss, high interest rates, and lost housing because of false reporting. no more waiting Issue # 2. around XX/XX/XXXX I submitted XXXX credit report to show status of the XXXX and they added XXXX using XXXX credit report. I have since disputed and they told me americu verified account. I have called XXXX and they have not reported to anyone about accounts in my name recently. There should not even be a dispute on my end since it was not correctly added to XXXX by using a credit report I gave then from another agency regarding something else. A representative stated that XXXX has always been they since XXXX. there resolve XX/XX/XXXX shouldnt be there since it wasnt correctly reported. A agent stated to me XXXX XXXX its always been there. This isnt true. XXXX has failed to give me how it was added in XX/XX/XXXX. I want proof americu initiated adding it recently. If they did not. It needs to be removed. Please XXXX dont send me something that is in progress. I have also included in the past another credit reporting agency XXXX stating all paid in full. Fix this immediately ( yes or no ).
in this complaint im including.
1. A recent result for cfpb were XXXX states accounts were not included in a bankruptcy 2. something from the bankruptcy court stating XXXX were not included 3. A statment from XXXX stating they never reached out recently to equifax 4. A credit report from XX/XX/XXXX and XX/XX/XXXX showing that it wasnt previously on my report until I submitted my XXXX dispute in XX/XX/XXXX to XX/XX/XXXX A XXXX letter stating accounts paid as agreed, paid in full not derogatory
Company Response: Closed with explanation
2018-08-28
Naples, FL
False statements or representation
Debt collection: Federal student loan debt
Attempted to collect wrong amount
Complaint: Hello I am writing to complain about the way my student loan debt has been handled. In or about 2010 I had about {$100000.00} of student loan debt because of finishing XXXX XXXX or I obtain my XXXX XXXX. I moved out of the country and because of my financial situation let y student loans lapSe for a short period of time and during this time whoever was in charge of these loans double the amount that I owed from XXXX to XXXX roughly these figures are not exactly precise but in the right neighborhood. So I contacted the lenders the federal financial loan people XXXX XXXX and asked repeatedly for them to investigate why this happened. There was never any satisfactory answer as to why this happened or a resolution of the problem. Each year even though I have since handled my loan situation by signing onto the new income-based repayment plan there has still been about {$10000.00} added and it each year because of interest even though Im not required to pay until I find a job. I have repeatedly requested from the XXXX XXXX XXXX XXXX XXXX that they investigate this and reduce the figure that I owe them to what it really should be and either receive no response or a response that says we can do nothing about about the unfairness of adding so much extra money to my balance when in reality it really ought to be down around {$100000.00} figure which is where I borrowed in the first place to graduate from college
Company Response: Closed with explanation
2018-08-28
Taft, OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Currently I'm with XXXX XXXX XXXX for Student Debt Relief Program. From my understanding the school I was attending XXXXXXXX XXXX XXXX XXXX and they closed down during the time I was starting my XXXX XXXX XXXX in XX/XX/XXXX. I was to start on XX/XX/2015. Wouldn't I be eligible for Closed School Discharge? I wanted to enroll in another school after they closed and my credits didn't transfer. Honestly I feel I was defrauded into the debt. False job placement and online certificate class. They closed down and I wasn't able to finish my educational program.
Company Response: Closed with explanation
2018-08-28
Farmingtn Hls, MI
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2018-08-28
Bloomington, MN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Called numerous times attempting to change account status to " out of school '' as I have now graduated 4 months ago. Loan service officer indicated that changing this would be possible with paperwork, however never sent paperwork to allow me to change.
Company Response: Closed with explanation
2018-08-28
Bedford Park, IL
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
2018-08-28
Lena, OH
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Company Response: Closed with explanation
2018-08-28
Franklin Sq, NY
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Company Response: Closed with explanation
2018-08-28
AR
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I graduate college. I moved to another address. Never got any kind of mail/email about a payment due. Months later XXXX missing payments showed up on my credit report from student loans. I had no way of knowing what and when was due. I later got the loans forbearance because of low income. These missing payments should not be on my credit report because I was not informed.
Company Response: Closed with explanation
2018-08-28
SC
Incorrect information on your report
Student loan: Federal student loan servicing
Information belongs to someone else
Complaint: These student loans were disputed and removed from my credit report years ago. They were placed on my credit report without any type of notice. All my credit cards have been closed because my credit is score dropped because of a student loan being charged off. I need to see the contract bearing signatures of the alleged debt.
Fair credit act state that inaccurate information on a consumers report must be removed. Please delete ASAP.
The student loans by XXXX XXXX were removed because of federal issues and they were charging more money to students and collecting money.
Company Response: Closed with explanation
2018-08-28
El Paso, AR
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Public record information inaccurate
Complaint: Student loans are showing up as Delinquent. I am a 100 % XXXX XXXX XXXX veteran and my student loans were discharged in accordance with the law. The credit reporting agencies are still reporting negative and open loans.
Company Response: Closed with non-monetary relief
2018-08-28
Keyport, WA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have been making on time payments under the Income Driven payment plan since XXXX XXXX. I have submitted employment certification forms from each of the " qualifying '' employers, the most recent being sent XX/XX/XXXX. I contacted my loan servicer ( XXXX XXXX ) requesting a detailed list / number of qualifying payments. Currently they have me credited with making 35 " Qualifying Payments Made ''. There were a couple of periods when my account went into hold/forbarance when new IDR payment was being disputed/calculated. However, in general in my records I have made at least 10+ payments per year since XX/XX/XXXX. That is a considerable amount more than 35. Not sure if this is due to my loans being transferred from previous servicer to XXXX XXXX on XX/XX/XXXX.
Company Response: Closed with non-monetary relief
2018-08-28
Randolph, MN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I attended college and within a few years was working for the XXXX of MN. After several years of government employment it was made aware by the State that student loans could qualify for PSLF. I applied and was surprised to learn i really only had two option for repayment under this plan.. each option would increase my payment by 300 %?? I have been working for the XXXX for 10 years and repaying with standard repayment. I requested on several occasions a " credit '' of some sort for the past 10 years of public service from XXXX XXXX. The response was no credit and i needed to change my payment ot income based thus increasing my payment again by 300 % and not paying the loan off any sooner ... feeling scammed by a " public service '' for my public service ...
Company Response: Closed with explanation
2018-08-28
Lewisville, TX
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: Hello, I'm not entirely sure who I should contact with this issue so I'll start with CFPB. My husband is a XXXX XXXX VA XXXX veteran and was able to get all of his student loans forgiven. I met him right after I finished college and have moved all over the country due to his military orders. It has been extremely difficult for me to find jobs each place we move thus making it impossible for me to cut down on my own student loan. I know he deserved to have his loan forgiven because of his service to the country but I feel as a spouse there should be some type of assistance with my student loans. I've had to sacrifice quite a bit and also my time as his care giver. I've also had to take exams to recertify my credentials to each state we have moved which further extended my chances of finding a job in a timely manner. If you aren't able to help, can you please forward this letter to a government office that might be able to? Thank you
Company Response: Closed with explanation
2018-08-28
Douglas, 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
2018-08-27
Jersey City, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Entered into an agreement to pay $ XXXX/month with XXXX XXXX. Applied for home loan and waas notified that my payment was 120 days past due with XXXX, however, I have bank statements showing the automatic payments come out every month between the 21-23 day and I have not missed any payments. I called XXXX and was told that they were not sure why it showed late payments. I submitted a dispute via certified mail on XX/XX/2018. I have not heard back from them as of today, XX/XX/18. The account is showing that I owe over {$400.00}.
Company Response: Closed with explanation
2018-08-27
Chicago, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have made every payment on my loans in a timely manner. However, my recent payment which was made on XX/XX/XXXX ( in the full amount due ) was not applied to my loans. As such, the account is showing as past due ( the payment was due on XX/XX/XXXX ). I have spoken with the servicer multiple times and they assured me that they would apply the payment from XX/XX/XXXX. However, no action has been taken and my account appears as past due.
Company Response: Closed with non-monetary relief
2018-08-27
Russell, IA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: In XX/XX/2014 I was told over the phone, by the representative whom assisted me, that the forbearance which was placed on my account would remove the credit reporting for the period of delinquency for the same months that it adjusted the loan. This is supported by my XXXX as it shows non-reporting for XX/XX/14 ( which is 1 month in arrears meaning that the actual suppressed month was XXXX ). If XXXX was suppressed, from a call in XXXX, then the other months are eligible to be suppressed as well. As your prior resolution indicated, you must report accurate information. As shown, your company is willing and able to suppress/not report and remain in compliance with the Fair Debt Collections Practices Act.
Responsible Servicing dictates that accurate information is to be given to the customer so that they may make an educated choice as to what to do. I was inaccurately informed that the account adjustment would also remove delinquency. I may not have used the adjustment period if I had been given the accurate information. I am limited to the number of months that I am able to have alterations to my repayment of the loan. Due to this I may have taken those months and utilized a different timeframe for use. I request that you review the telephone conversation to ensure accuracy of the information given. If this conversation is not available for review or when discovered that inaccurate information was provided, please remove the months of delinquency.
Upon conclusion/ final response to this notification : REMOVE THE CREDIT DISPUTE NOTATION FROM EACH CRB AGENCY.
Company Response: Closed with explanation
2018-08-27
Washington, DC
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
2018-08-27
Hampton, VA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: AES services my private student loans. I have been out of work for the last year, and have been struggling to make payments. Now the situation is, Im still actively applying for jobs and looking for work, but without an income I can not even make good faith payments. AES has applied all the options they can is what Im told. I am then encouraged to find someone I can borrow money from in order to at least make good faith payments. I do not have family or friends that can add my bill to their life while Im trying to find work, and its absurd to encourage people to borrow money from others. There needs to be options for people who are out of work. I can not control how quickly I am able to find a job.
I would like to avoid being sent to collections, so an option to help until I find work would be nice.
Company Response: Closed with explanation
2018-08-27
Gardena, CA
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Company Response: Closed with explanation
2018-08-27
Hinkley, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: In consideration of the PSLF program, I consolidated my loans under the Direct Loans ( in XX/XX/XXXX ), and have worked with a qualifying employer ( federal agency ) since XX/XX/XXXX. I have been under the PSLF program since XX/XX/XXXX and have paid my payments in full every month under a qualifying income-driven repayment plan. My PSLF employment recertification form was completed and received by the servicer in XX/XX/XXXX ( attached ).
In XX/XX/XXXX, I received an update on my PSLF qualifying loans, stating I have 30 qualifying payments for both subsidized and unsubsidized loans, and qualify for forgiveness in XX/XX/XXXX ( attached ). This is correct.
I recently received a second update on my PSLF loans in XX/XX/XXXX which now states that I only have 11 qualifying payments and qualify for forgiveness in XX/XX/XXXX ( attached ). This is incorrect and came as a total surprise given that I received a different number only two months prior with no changes since then.
I called the servicer right away and the Servicer representative could not explain what happened. They stated the computer automatically calculates payments under some criteria they couldn't explain. The rep flagged my issue for " manual review, '' but also stated that it would take 3 to 6 months before I get an answer. They could not provide any acceptable answer or honor my request expedite my issue.
Considering this effects more than thousands of PSLF applicants, I would like to press the issue of the Servier incorrectly processing payments by " automated processing '' and improperly managing the accounts and communications to the customer.
The review time is 90 to 180 days for a " computer glitch ''. Instead of addressing the inaccurate automated processing directly, the servicer is choosing to delay any correction by placing it under " manual review '' for an unreasonable period of time. Shouldn't the review be completed BEFORE the account is updated and BEFORE the communication is sent to the customer? Due to its automated nature, this is a blatent Servicing error that affects thousands of applicants, yet could easily be corrected by the Servicer.
This issue presents as poor communication and handling by the Servicer. If this is a common issue with the PSLF program, it needs to be addressed immediately to maintain the integrity of the program. When applying for forgiveness down the line, I need to know that my payments will be honored. Please let me know what information you need to rectify this problem. Thank you.
Company Response: Closed with non-monetary relief
2018-08-26
NC
Attempts to collect debt not owed
Debt collection: Private student loan debt
Debt is not yours
Complaint: On XX/XX/2004 a private student loan in the amount of {$25000.00} was disbursed to my mother by American Education Services ( AES ) and/or a lender represented by AES. To date, 14 years later I am still completely unaware if AES was the original lender or simply the servicer on behalf of the lender, all I know is the American Education Services/XXXX XXXX XXXX ( AES/XXXX ) appears on my credit report regarding the account in question.
At the time of origination, I was XXXX years old and under the impression I was signing forms for my federal financial aid and did not realize I was signing a credit agreement for a private student loan. It was not until some time after the fact that I learned what had actually occurred. On multiple occasions throughout the years I have contacted AES requesting that the account associated with the loan be updated to remove me from the account. I explained to AES that I did not recall completing/submitting the initial application for the loan and when I signed the credit agreement I did not understand what I was signing the document had been misrepresented to me as a financial aid form and not a private loan agreement. I also informed AES that I had personally never seen any documents or disclosures related to the loan, the funds from the loan were not utilized to fund any portion of my education. And most importantly AES and/or the lender never actually disbursed the loan to me ( borrower ) but instead disbursed funds directly to my mother ( co-signer ) and as a result I demanded that the account be updated to reflect the correct responsible party to whom which {$25000.00} was disbursed. AES refused to provide any form of assistance even though I stated that myself and the party who physically received the funds were willing to sign any required documents to have me removed from the account. It was not until my last attempt at requesting removal that a customer service agent at AES/XXXX informed me that he didn't think they could update the account to remove me and name my mother as borrower because the original loan was a " student loan '' and should have been accessible only to students enrolled in a higher education program. He shared that even though my mother had maintained all payments on the loan because was not a student at the time he didn't think he could correct the account.
After receiving this information a few years ago I realized that AES/XXXX was not willing to update the account because it would force someone ( lender/loan officer etc. ) to be held accountable for utilizing deceptive lending practices. Although it's been 14 years since the loan was initially disbursed I am reaching out to CFPB because until now I failed to possess concrete proof that the loan was never disbursed to me. The original AES/XXXX account has now gone into default and since been sold to XXXX XXXX XXXX ( XXXX ).
After receiving calls from XXXX, I submitted a dispute letter stating that although AES had not removed my name from the account the debt did not belong to me and requested that they contact my mother ( co-signer ) regarding repayment of the debt. I inquired as to options and or arrangements my mother could utilize to settle the account because I refused to provide XXXX with any of my information because I never received the loan in question. I told XXXX that although my mother is working now she initially fell behind as a result of job loss and a decline in her husband 's health but if they contacted her to make arrangements I be willing to assist her, if necessary, because I am sympathetic to the circumstances that led to her current financial state however because I never received the loan in question I refused to take personal responsibility for the matter. It was at that time I was told by XXXX collection agent XXXX XXXX that after reviewing the credit and assets of myself and my mother, XXXX has decided to solely pursue me for the debt because based on my mother 's current credit she would not be able to access another loan to cover the balance of the defaulted account. Mr. XXXX told me I either needed to charge the balance of {$17000.00} on my credit cards, obtain a personal loan to cover the balance dues or refinance my home to access funds to cover the XXXX account all to which I told Mr. XXXX he was crazy. Mr. XXXX provided me a settlement offer of $ 13,000+ which I refused because I told XXXX the debt not mine and under no circumstances would I take out a personal loan for which I'd be responsible for repayment to cover a debt that is legally not mine. At that point Mr. XXXX stated since I was not willing to do any of the options he suggested, he would report to XXXX that I was unwilling to resolve the debt so they could begin steps to sue me for the balance.
It was not until after I received a packet of information from XXXX attempting to validate the original debt and the sale of the debt from AES/XXXX to XXXX that I realized AES/XXXX has been in possession of documentation that verified the loan was never disbursed to me ( sole borrower listed on the account ) and as I suspected my request for removal from the initial account were not honored in efforts to cover the deceptive lending practices utilized by the original lender/lending officer. At the time the loan was disbursed my mother had been out of work for a short period of time due to a XXXX. It was my suspicion that the loan officer utilized deceptive practices to justify disbursing a loan to a party that did not qualify for the purpose of increasing the number of loans that he/she processed and closed. In essence the loan officer used my status as student as a loophole to provide a " private student loan '' to my mother who was not a student and therefore not eligible to apply for and/or receive the student loan. It is clear on the credit agreement which we both signed I am listed as borrower ( sole borrower ) and my mother is listed as cosigner. At the time of disbursement, I was of legal age so in accordance with credit/lending practices funds associated with the loan should have been disbursed directly to me. It is my assumption that the original lender/loan officer hoped everything would remain intact in terms of my mother 's employment and her ability to repay so that the lending discrepancies would not be highlighted. In an effort to " justify '' disbursing the loan to someone other than myself, on the lenders " note disclosure statement '' they identify myself and the party who received funds as borrower ( s ), although our signatures are not on this form, however in the credit agreement which both parties signed, I am identified as borrower and she as cosigner. According the Credit Practice Rules outlined on the Federal Trade Comission 's website for businesses located at : https : //www.ftc.gov/XXXX The section subtitled " Notice to Cosigners '' reads as follows : A " cosigner '' is different from a co-buyer, co-borrower, or co-applicant because a cosigner receives not tangible benefit from the agreement, but undertakes liability as a favor to the main debtor who would not otherwise qualify for credit. On the other hand, a co-buyer ( one who shares in the purchased goods ), a co-borrower ( one who shares in the loan proceeds ), or a co- applicant or co-cardholder ( a person who is authorized to use a credit card account ) do receive benefits. Therefore, they are not considered cosigners under the Rule, and you are not required to provide the notice to them.
As a result I'm confident that the lending agency was aware and the loan officer should have been aware that a cosigner does not possess tangible rights to the goods/funds associated with a loan, a cosigner simply guarantees repayment of the debt associated with the loan. Because I now possess proof of what I've stated all along in that I never received the loan, I've again reached out to XXXX XXXX XXXX and American Education Services and again requested that they remove me from all accounts. In addition I have also requested to AES/XXXX, XXXX, XXXX, XXXX and XXXX that the accounts for both AES/XXXX be completely removed from my credit history. The original credit agreement should have been deemed null and void upon disbursement in 2004 because the lender failed to adhere to the terms by disbursing the loan to someone other than the assigned borrower. I also requested that the both AES/XXXX and XXXX accounts be removed from my credit history because for years my credit score and creditworthiness have been negatively impacted by the initial delinquency on the AES/XXXX account and now more so by the default status and collection account that have added all in connection with the original AES account that I should have been removed from.
Company Response: Closed with non-monetary relief