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 117
2018-08-26
PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: On XX/XX/18, I asked for my loan to be recalculated to a different IDR plan. I had an income change, and also hoped hoped to go from an IBR to either a PAYE or REPAYE plan. I specifically DID NOT check the box stating that I wanted to go into forbearance because I do not want my interest to capitalize. I wrote a letter along with the application clearly stating that I did not want to go into forbearance, so there would be no confusion. The paperwork states that one month of a standard payment rate would be necessary, but it does not state that forbearance is required.
I received two letters on XX/XX/2018 in the same envelope. The first letter said my loans were placed in forbearance and that I must pay a reduced standard repayment for one month, which is listed as XXXX. The next letter was a disclosure of repayment terms, which is not based on any IDR plan, and suggests that I will be paying around {$520.00} per month, and that I could apply for an IDR plan. Neither of these are what I requested, and neither is acceptable.
This is the second time I have been mistakenly placed into forbearance, and it will be the second time that my interest was incorrectly capitalized. This is at least the fifth letter I have written to CFPB for assistance. I no longer reach out to the servicer, because when I have in the past, the issue does not get resolved. There is a reason I have chosen to pay my loans under IDR, as I make very little. As a public servant seeking PSLF, I have very little room for financial fluxuation, and zero willingness for an extra {$5000.00} dollars to be added to my loan every time my paperwork is misread. So I am reaching out again to CFPB requesting assistance.
Company Response: Closed with explanation
2018-08-25
Chicago, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: In the months of XX/XX/XXXX and XX/XX/XXXX I have spent several days corresponding with XXXX XXXX about the fraudulent accounts which appear on my credit file. They have not removed them. Although these accounts are fraudulent and I did not aurthorize them.
Company Response: Closed with explanation
2018-08-25
Plymouth, FL
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: I have been disputing the accounts with AES -- AES/XXXX ( original : {$14000.00}, balance : {$22000.00} ) and AES/XXXX XXXX ( original : {$14000.00} ; which apparently transferred to AES/XXXX -- was never informed of this either, if so, then PROOF PLEASE ). I've been disputing for the past few months because I have been monitoring my reports and having accounts validated. After some time, AES sent me a promissory note that was not even originally sent to them ; it was not for them at all. I asked for validation that included original documentation bearing my signature and that shows a clear contractual agreement with the company/companies reporting on my credit files. The promissory note sent to me absolutely does not -- because again, as you will see from my attachments, the note was not even addressed to them for payback at all. I am filing separate complaints against the bureaus for constantly coming back with results claiming truly unverified, invalidated accounts are " verified '', " verified as accurate '', and " validated '', basically taking these companies ' word for it -- NOT that there is actual proof, which is required under the FCRA and FDCPA. They are essentially violating law, which is one of the reasons for my complaints. In addition to the promissory, I have included one redacted letter sent to XXXX as an example to them of what I've been requesting from each of the major bureaus ; it is the final letter I sent to XXXX and displays the seriousness of this matter.
Company Response: Closed with non-monetary relief
2018-08-25
Mccullers, NC
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Company Response: Closed with explanation
2018-08-25
Penn, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I submitted a PSLF application online directly to XXXX XXXX and received a letter indicating that my request for public service loan forgiveness was not approved because I did not have enough qualifying payments. I sent several requests to be reconsidered for loan forgiveness through the TEPSLF program and received the same email indicated that my request for TEPSLF would not be evaluated because I did not submitt an PSLF application. When I called the number provided to XXXX XXXX XXXX I was told that I was not eligible for forgiveness because I didn't have enought payments. They did not answer my question as to why I received emails indicating that my request for reevaluation through TEPSLF was denied because I did not submit an application. My original loans were Federal Direct Stafford Loans disbursed in XXXX through XXXX. I have worked full-time for approved non-profit organizations since XXXX and have consistently been on an income contingent payment plan throughout the past 11 years to different providers who have held my loans including the XXXX XXXX XXXX XXXX, XXXX/XXXX, and most recently, XXXX XXXX. My calculations indicate that I am well beyond the 10 year/120 payments needed for loan forgiveness, however, only payments made after XXXX are being counted towards eligibility. In XXXX, i was advised by XXXX ( now XXXX ) that to be eligible for student loan forgiveness I needed to consolidate my loans with them. This information was incorrect because my loans were originally direct Stafford loans held by the now defunct XXXX XXXX XXXX XXXX and under PSLF were in fact eligible. I am now being denied because all payments made prior to XXXX XXXX do not qualify. My complaint is against XXXX XXXX for not even taking the time to communicate a valid response to me a reason why my request for TEPSLF consideration was being denied. In addition, I believe the current servicer of my loan should not be the same entity that evaluates and processes student loan forgiveness. Isn't this a conflict of interest? As long as they hold my loans they continue to benefit from the interest. In addition, this company refused to let me speak to an individual in the dept. responsible for reviewing PSLF or TEPSLF requests.
Company Response: Closed with explanation
2018-08-25
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
Problem with personal statement of dispute
Complaint: During the month of XX/XX/2018, I called my servicer to find payment options for my loan only for the month of XXXX since I was having financial difficulties during this month. The person on the line suggested a forbearance. I asked many many times that I wanted to make sure this type of option will not affect my credit since I have been working for a year to repair my credit. The loan customer service person assured me that it will NOT affect my credit. He submitted the forbearance form. Within a week I get an alert from XXXX informing me that my credit went down 22 points due to my lender reporting a change of total balance from {$300000.00} to {$330000.00}. I called my lender on XX/XX/2018 right away and explained that the previous consumer service operator from their office had giving me wrong information about the forbearance. I told him that I wanted to reverse my forbearance. He said he would do it and that I only had to make my loan payments which I did, I made a payment of {$180.00}. I asked him again if this would solve the problem and he said yes, that I would just have to wait two weeks before my lender reports the original balance of XXXX to the credit bureau. He assured me that my loan interest was not going to be capitalize. But then I receive a letter that my loan is going to get capitalize at the end of the month due to the forbearance. I called the lender again and explain the situation once again, but this time I asked to speak to a supervisor. I was on the phone with her for about an hour. Again, she assured me that my loan 's interest was not going to get capitalized because they reversed the forbearance and the balance they were going to report to the credit bureau was {$300000.00}. She told me it could take from 30 to 90 days for them to report this to the credit agencies. She then suggested for me to call the credit agencies so the change could be done faster. I then call XXXX at the beginning of XX/XX/2018 and open a dispute with them about this issue. I was sure the problem was going to end here, since my lender assured me that it was a matter of time of reporting my original balance and that my interest was not going to get capitalized due to this error. I just received the dispute results ( XX/XX/2018 ) and my lender is reporting an original balance of {$330000.00} and disagrees with my dispute. I am very frustrated about this whole ordeal since I have been back and forth with my lender with this issue since XX/XX/2018 and I still have this major problem of having a derogatory credit rating due to their negligence about giving me wrong information about the forbearance not affecting my credit and them not informing me that through the forbearance my loan 's interest will be capitalize, thus increasing my original balance and in this way reporting it to the credit agencies thus decreasing my credit by 22 points. I would really ask for your help on this important matter.
Company Response: Closed with explanation
2018-08-25
Bayberry, NY
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Closed with explanation
2018-08-25
AL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$5.00} XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$98.00} XX/XX/2018 Payment {$98.00} I already had a hard enough time getting XXXX XXXX to process my PSLF paperwork. It took MONTHS for them to correctly process my paperwork, forcing me into forbearance. I have made the following payments towards my PSLF program and my account is showing NONE of the payments have been applied towards my 120 qualifying payments. I do not know what the {$5.00} was for. I received notice that amount was past due, even though I had made the full {$98.00} payment on XX/XX/2018. I need this rectified IMMEDIATELY! Me making payments on time, towards my 120 payments and them not being applied, is wrong and cheating me out of my qualifying payments ... forcing me to try to make MORE qualifying payments.
Company Response: Closed with explanation
2018-08-25
FL
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: Beginning XX/XX/XXXX through XXXX XXXX, I entered into a forbearance for my student loans with XXXX XXXX. However, there are late and delinquent reports on all sixteen of my XXXX accounts on the three major CRAs, dating XX/XX/XXXX-XX/XX/XXXX. I have disputed these markings with each CRA to no avail. XXXX XXXX refuses to update the CRAs with accurate information. The inaccurate information XXXX XXXX continue to report for the time period of XX/XX/XXXX-XX/XX/XXXX is damaging, unethical and noncompliant with the FCRA.
I have attached to this complaint, a letter I received from XXXX XXXX that clearly states my account in Forbearance status from XX/XX/XXXX - XX/XX/XXXX.
Company Response: Closed with explanation
2018-08-24
Mercer, PA
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Company Response: Closed with non-monetary relief
2018-08-24
Philadelphia, PA
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: I am consistently receiving bills to make payments on loans that were aold, closed, paid and have a negative status reporting on my credit reports. There are 3 different service providers trying to collect on these loans. I have been employeed in XXXX XXXX XXXX and filed for loan forgiveness however once I have successfully xompleted these programs no adjustments to the balance have been made and all old loans have reappeared along with XXXXt, AES, XXXX XXXX and now XXXX trying to collect. I do not know to whom I should be making arrangements with when all the companies are trying to collect. I am near homeless because I can not purchase a home due to how the credit bureaus are reporting these amounts.
Company Response: Closed with explanation
2018-08-24
Watkins, CO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I am so distraught ( again ) about the conversation I had with XXXX XXXX. There has not been a single helpful conversation. I decided to go to school and pursue my XXXX 's and do everything I needed to do to effectively start my payments, paperwork, certifications, applications, etc. I pay my bill at the exact time every month. And yet, it is still the most difficult devastating process I have ever had to ( consistently ) deal with. I just received a letter in the mail saying that my rebate has been disqualified due to a late payment, which was dated over a year ago. The payment they are saying is late I was told over and over that it was taken care of and would not be considered late because I had been on the phone with them multiple frustrating times trying to get my loans transferred over to them from XXXX, having to submit an application that they never received because none of my paperwork transferred over, so I had to resubmit everything! Then to have more notifications saying it was denied, which gave no reason, so I had to call AGAIN. I had to submit my loan payment application, my IBR application, and my PSLF application and nothing was complete on there end and they said it could take up to 2 weeks or so just to be reviewed. In the meantime, they told me that they would submit a forbearance because I didn't want my payment to be considered late. Even after that month forbearance, they still didn't have everything completed, so my payment was extremely high, and they told me to wait and the payment wouldn't be considered late. I was told in XX/XX/XXXX that my payment would NOT be considered late. Over a year later ( XX/XX/XXXX ), I receive a random letter in the mail that says my Direct Loan Rebate is Disqualified due to a late payment ( that same one they told me was taken care of ), and there's NOTHING they can do about the rebate now. I am APPAULED and SO Distraught how much stress and frustration that working with them has caused and I get absolutely nowhere, even when I speak to a supervisor. Even more frustrating, when they were reviewing the notes in their system, they spoke as it was so simple and 100 % my fault that the payment was late. I want action taken against this horrendous company, and don't understand how they are still allowed to exist, knowing that I am by far not the only person that this has happened to! I want to take any and every action I can against them because this has been the absolute WORST experience in my LIFE, and makes me regret making the decision to go to college thinking it would be best for me and my future. I regret it completely when it comes to trying so hard to deal with XXXX XXXX! I am SICK!
I have the documentation that I have received through my portal, but unfortunately, everything has been by phone conversation so I have NOTHING to refer to besides these horrible memories ... The few times I did try to resolve things over email, my email kept getting passed around to different people every time I would reply which got me absolutely nowhere so I had no choice but to call again. This is COMPLETELY HORRIBLE!
Company Response: Closed with explanation
2018-08-24
MO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: For the last 2.5 months, I have been trying to certify myself for Public Service Student Loan Forgiveness through XXXX. ( XXXX XXXX XXXX ) I am a XXXX XXXX who is eligible to be recognized for this service in order to receive credit for student loan forgiveness. I had my HR representative complete the required paperwork in XXXX. They rejected the paperwork because we used electronic signatures with our military ID cards. We resubmitted with ink signatures. We were rejected a second time because the HR representative indicated that I work 40 hours per week but DID NOT check full or part time. She just wrote full time hours instead. The form makes it appear as though you choose between the two, NOT full/part time AND then write the hours. 8-10 weeks for paperwork to be rejected based on a preference for wet signatures and a box being left blank but answered in another section seems like a duplicitous attempt to avoid giving me credit for public service loan forgiveness.
Company Response: Closed with explanation
2018-08-24
Magnolia, 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: After the death of the primary account holder I as the cosigner was notified that I had to pay the monthly payments of the student loans. I notified the loan holder that the individual that passed away had life insurance and that that would pay off the remaining balance of the student loans. This took time as the life insurance process took place and until the remaining balance was paid I was harrassed and marked as 120 days late in my credit report damaging my credit score and preventing me to qualify for a mortgage. please see attachment.
Company Response: Closed with explanation
2018-08-24
Dayton, OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with non-monetary relief
2018-08-24
Little Rock, AR
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
2018-08-24
Alexandria, VA
False statements or representation
Debt collection: Federal student loan debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-08-24
Bremen, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: I have been with XXXX on the Public Loan Service Forgiveness plan since XX/XX/XXXX. On XX/XX/XXXX I contacted them because on my account it says I have only made 7 qualifying payments out of the three years I've been with them. As of today XX/XX/XXXX they still have not reviewed my complaint and fixed their mistake. They keep saying I am on the right plan, but my qualifying payments are not moving. I have contacted them at least once a month since I inquired about this and I keep getting the run around. At first they said it would be 7-10 business days, after that they said it would be 160 days. I called today which is day 290 and I still do not have an answer. The lady said she would have to email her supervisor and they would get in contact with me within the next 7-10 business days.
Company Response: Closed with non-monetary relief
2018-08-23
Bremen, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Should have qualified for the PSLF program XX/XX/2017 In lieu of working for the XXXX XXXX XXXX for over 10 years and making timely monthly payments all along. After my application for the loan forgiveness was denied I was told that because I'm married and filed my taxes jointly with my spouse then my repayment plan should have included her income too. This was never disseminated to me, never posted on the loan providers website, nor ever mailed to me throughout the years I've been paying my student loans. Four different providers have had ownership of my student loans over the years and never did any of them alert me of this. The prerequisites were to work for a public service employer and make 120 timely payments to qualify for this loan forgiveness.
After being denied the loan forgiveness I called the current loan service provider and asked that they provide something in writing verifying when I was notified of the type of repayment plan I should have selected to be granted this forgiveness. They never did. I submitted a complaint to my Congress man and never received a response from his office. Followed up with the loan service provider and asked them to provide to me in writing how many more payments would I have to make if I transitioned to a repayment plan that included my wife 's salary too to be eligible for the loan forgiveness. Over a year later they still haven't provided anything to me in regards to this inquiry. Spoke with supervisors and still no tangible information has been provided.
Company Response: Closed with explanation
2018-08-23
Schenectady, NY
Incorrect information on your report
Student loan: Private student loan
Account status incorrect
Company Response: Closed with explanation
2018-08-23
TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: In the course of 3 years, I have tried several times to dispute this problem. The college I was attending took down the wrong contact information on my loan application. I did not know that I was missing payments until I was notified by mail. By that time I was around 3 months late. I corrected my contact information and haven't missed a payment on my credit report since then. I tried disputing this situation with multiple credit bureaus with no yield. I also tried contacting the college and was told they could not help.
Company Response: Closed with explanation
2018-08-23
Jax, MS
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: Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX )
Company Response: Closed with explanation
2018-08-23
MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: When it came time to repay my student loan I was not sure of the best value. Between the provided tool and my financial planner I decided on the extended fixed payment plan, with a payment of {$600.00} ( adding {$60.00} extra ) for a term of 20 years. I made sure to do direct deposit for the 0.25 % savings and the ease of setting/forgetting. In XX/XX/2017 I received a notice that an Income-Driven Repayment Plan was approved. Having been told I was ineligible for that option due to my income I let that slide - had to be an error. When a paper slip mentioned a bill of {$0.00} I complained to the XXXX customer service - received no help, was told that I obviously put the change there ( when I had not ), never mind there being no income to draw from to make an IDP estimate. Frustrated I decided to continue paying $ XXXX/month in spite of having XXXX balance bills so that I would not be behind on my payments. In XX/XX/XXXX/XX/XX/XXXX I got a notice that my IDP was set to expire. By the end of XX/XX/XXXX (XX/XX/XXXX ) when it expired my payment went to $ XXXX/month with the added {$60.00}. Panicked I signed up for the IDP before remembering that I wanted the Extended Fixed Plan. The same evening I signed up for the Extended Fixed Payments plan. Seeing no movement I applied for that plan again. Now the XXXX program wants me to pay $ XXXX/month even after I've put in paperwork months prior to change my repayment options.
Company Response: Closed with explanation
2018-08-23
OH
False statements or representation
Debt collection: Private student loan debt
Attempted to collect wrong amount
Complaint: My complaint is directed at the American Education Services. I have four XXXX student loans through XXXX. I have entered repayment recently. I have to contact AES for all of my loan repayment options. I first have the question of, how is it right for me to have a loan with XXXX, but have to go through a third party lender?
My first conversatino was in spring ( between XXXX and XXXX ) of 2018. One of my four loans became due suddenly. I spent many occasions on the AES website, but I can not see anything about my account besides how much is due and make a payment. If I want any information on repayment options, deferment, or any information on my loans I have to call AES. The individual on the phone told me I had to defer my loans. I did as she told me, as I was still part time in XXXX school, and working at a XXXX ( 13 month temporary paid job ).
I call again in XXXX or XXXX of 2018. Now the other three of my loans are coming due. I am running out of deferment on my first loan but I can defer my last 3 loans. This representative tells me I should try to fill out a form explaining the fellowship. XXXX has a program that may allow me to not enter repayment until after the fellowship.
As I am trying to get this paperwork taken care of I call again ( XX/XX/2018 ), because my loans were coming due and we still haven't gotten the fellowship document filled out and approved. This man explains that I should actually try to go into a grace period. This wouldn't use any of my deferment or forbearance, just extends the grace period. This is the first time I have heard this option, so we go through with this application process.
I then ask the representative why one loan came due before the three others. He doesn't know why. Says my separation date is different on this loan than the others. It appears the separation date was updated- but to the same exact date it was before which would have been for my XXXX career. He had to submit my account for review.
I have used so much of my deferment thus far. It is not right for me to not see the options on my own loan. I have to call AES and depend on their representative to not only understand my loans but also present me with all of my options. Every time I am on the phone I am consistently put on hold so that representative can do research into what programs XXXX offers.
In conclusion : AES is should not be allowed to administer my repayment since they do not have any idea what my loan is like. I should also be allowed to see all of my options so that I can not only know what they are but also make an educated decision as to what to do. I believe AES has given me incorrect legally binding financial advise.
Company Response: Closed with non-monetary relief
2018-08-22
Lodi, CA
Getting a loan
Student loan: Private student loan
Confusing or misleading advertising
Company Response: Closed with explanation