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 126
2018-07-23
Murray, UT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I'm currently in Income-Driven Repayment under the PAYE program with XXXX and the XXXX XXXX XXXXXXXX. I've been working for a 501 ( c ) ( 3 ) since XXXX and have verified my employer as qualifying for Public Service Loan Forgiveness ( PSLF ). On XX/XX/XXXX I requested a manual recount of qualifying payments toward PSLF as the number they currently have is inaccurate. Multiple attempts have been made to get updates on the status of this request without any response other than, " you'll have to keep waiting ''. It's been over a year now and I've lost any confidence that XXXX will be able to rectify this situation. I'd appreciate any assistance.
Company Response: Closed with explanation
2018-07-22
Sacramento, CA
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 have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened XX/XX/XXXX, AES/XXXX XXXX XXXX opened XX/XX/XXXX, Aes/XXXX XXXX XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.
Company Response: Closed with explanation
2018-07-22
Belle Haven, VA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I learned recently about the TEPSLF opportunity looking at the news. So I started researching this program and found out that it was temporary. This lead me to research the Public Service Loan Forgiveness ( PSLF ) program. After doing much research, I saw that in order to qualify for this program I had to be in an income-based repayment plan. I've taken a forbearnace for the last 3 years. Every year I called, the XXXX XXXX representatives NEVER informed me that instead of taking a forbearance that I actually could of entered into an income drive repayment plan and get a much lower monthly payment that would've been counted as a qualifying payment under the PSLF program. I am still having financial hardship and I have no other options as I have now exhausted my forbearance and I have no choice but to pay a very high monthly payment! I felt that the representatives I spoke to over the years did not have enough knowledge about repayment options and lack training. This really saddens me as now I can't go back in time and I'm stuck due to XXXX XXXX incompetent staff.
Company Response: Closed with explanation
2018-07-22
Three Bridges, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I have a Federal student loan in which has been in forberance for years now and i was currently enrolled in this program due to lack of funds over the years. Now on XX/XX/2017 i was still enrolled in this program, Nevertheless this company XXXX reported me as 90 days late payment in which completely ruined my credit alltogether. And to make matters worse they're increasing my student loans by thousands of dollars it was orginally XXXX and now its changed to XXXX thats makes absotely no sense. XXXX increase in interest over a matter of months is unheard of and beyond me. I've on numerous occasion called and called and they even verified they had my wrong contact information and phone number, basically stating it was an company error, however they refuse to report the correct infotmation to the credit bureuas and have these late payments removed!!!!!!!!!!!!!!!!!!!!!!!
Company Response: Closed with explanation
2018-07-21
City Industry, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2018-07-21
City Industry, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2018-07-21
Athens, OH
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
2018-07-21
Oxford, GA
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 a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Company Response: Closed with explanation
2018-07-21
Newnan, GA
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 a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.
Company Response: Closed with explanation
2018-07-21
Boston, MA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I seldom use phone to contact them, but the few time I did, the agents were not that friendly. Very curt and were not open to explanation or clarification. I did speak with someone a month ago who was a little better. I am very tired of the inaccuracies in how they deal with the PSLF process. I also do not feel that I have been given the total information about process when I spoke with agents. My Employer Certification form has been submitted several times and the dates have been changed to make it more difficult for me. I feel like I am sending documents all the time. They change the dates and I feel that there is error in processing, and change in dates are a problem. I just sent them an email and I have not received a response as yet. I feel that they are giving incorrect information and I am sending in UN-necessary documents due to their error in processing. Sometimes they respond to my email in a timely manner, but not all the time. I prefer to send email as I have everything in writing. I just sent a frustrated email to them XX/XX/18.
Company Response: Closed with explanation
2018-07-21
Chula Vista, CA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: ISSUE # 1 : After submitting a recertification for my income-driven repayment plan, I received an email from XXXX on XX/XX/XXXX stating the following : " We were not able to process your recertification request for your Income-Driven Repayment plan. A letter will be sent detailing the reasons that we could not approve your request and next steps if you think this information is incorrect. '' I never received any such letter detailing why my IDR recertification was denied given no change in annual income. I called customer service and the agent said not to worry because my payment would NOT CHANGE until XX/XX/XXXX. This was a lie. Today ( XX/XX/XXXX ) I received a direct-debit reminder for a significantly higher payment ( more than {$200.00} increase ).
I speculate that XXXX may be using spousal income based on XXXX. However, not only do we plan on filing separately for the current year ( XXXX ), we also have a pre-nuptial agreement stating that my student loans are not community debt.
ISSUE # 2 : I do not believe XXXX is counting eligible payments made to my previous loan servicer ( XXXX ) toward my public service loan forgiveness ( PSLF ). I have copies of bank statements showing payments made that are not being counted by XXXX even though they were made under an eligible repayment plan.
Company Response: Closed with explanation
2018-07-20
Burbank, CA
Incorrect information on your report
Student loan: Private student loan
Public record information inaccurate
Complaint: First off I tried to choose the best options as possible basically the account I'm referring to went to default when my mother filed chapter XXXX bankruptcy as the cosigner putting this loan and immediately in the default given at the time I know that this was valid yet in my opinion of sketchy practice of the private student loans.
As of recently they can no longer immediately go after balances or put these loans in immediate default when it cosigner files for bankruptcy as new laws passed in XXXX via Congress. The purpose of this complaint is mainly to get the charge-off removed from my credit report as I was in good standing but this is also part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fiasco that's going on and I'm trying to settle with them at the same time but I feel via as that the charge-off account should be removed as it was a drastic measure and I was in good standing 4 months on months at the time.
I feel for the time being at minimal the charge off that happened in XXXX of XXXX should be removed from my credit from all 3 bureaus via XXXX XXXX XXXX.
As I stated there are new laws that were passed by Congress that protect private student loan borrowers to where the servicer can no longer immediately placed alone in default due to the cosigner filing bankruptcy and I would be happy to supply that documentation if needed to show those laws that were put into place.
Company Response: Closed with explanation
2018-07-20
Guthrie, NC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2018-07-20
Charlottesville, VA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I am in the Public Service Loan Forgiveness program with XXXX XXXX. I received a summary of my qualifying payments in XXXX. It left off 3 obviously ( and previously ) qualified payments I made. Since XXXX, I have called multiple times to have these qualifying payments recalculated and I keep getting differing opinions about how long it will take to do so ( three months was the average ). Now, it's been five months and I just called and now they say they're only working on requests from XXXX, 2017, 6 months prior to my complaint. To calculate forward from that, they're saying it will take about a year to correct their mistake!?? That is unacceptable to any one. What other financial institution will say to a customer that it will take a year to correct a mistake they made?
Company Response: Closed with explanation
2018-07-20
IA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: XXXX XXXX manages my loans but is incorrectly recording the number of qualifying payments I have made toward Public Service Loan Forgiveness ( PSLF ). I had multiple email exchanges with their department of Consumer Advocacy last year to try to straighten it out. Below is the text of a letter I sent to XXXX in XXXX, I have received no response.
" XXXX Dear XXXX XXXX I am writing in regard to my Public Service Loan Forgiveness tracking. I believe your records are incorrect as to the number of qualifying payments I have made on my loans. I checked with XXXX, who held my loans before they were transferred to XXXX ( I also attempted to check with XXXX, who held my loans before XXXX, but they no longer have records on file ). XXXX records indicate that I was on an Income Based Repayment plan from XX/XX/XXXX through XX/XX/XXXX for one of my loans, and XX/XX/XXXX through XX/XX/XXXX for the other. ( Obviously, the latter time period includes payments that are ineligible because they were before XX/XX/XXXX and there was a gap from XXXX when I returned to school so my loans were deferred. ) The paperwork I received from XXXX on XX/XX/XXXX lists these payment periods as being on an ineligible repayment plan but does not list which plan. IBR is eligible, so I wonder if there was not a mistake made when my loans were transferred from XXXX to XXXX. I received another message from XXXX recently adjusting the number of remaining payments, but this is still not correct. If XXXX asserts that I was on an ineligible plan, I would like to see the documentation indicating exactly which plan I was on for each payment I have made ( to XXXX, XXXX, and XXXX ) over the course of the life of these loans, beginning in XXXX. Documentation from XXXX is attached. I have been very disappointed in the way my account has been handled, months go by before I get a response to messages, and out of the blue I get notification that youve removed more of my qualifying payments without providing justification. '' Here is text of one of the last emails I sent to their office of Consumer Advocacy last summer, the issue has not been resolved.
" XX/XX/XXXX, XXXX XXXX to Office Hi XXXX I am following up on your phone call from XX/XX/XXXX regarding the status of my PSLF application. I have reviewed all of the documents available to me on XXXX. The number of qualifying payments has been updated ( as of XX/XX/XXXX ) but are still not correct. I am pasting below summary information about my payment history based on my employment dates. ( I don't have actual school separation dates and grace period/deferment dates, so I have tried to make conservative estimates ). The paperwork I have received from XXXX does not match up with my calculations. I would like to see information about why certain payments did not qualify. All of my employers have been qualifying entities ( education/non-profit ) and I believe that I have been on some sort of income-based plan since the start of my repayments in XXXX. I know that I had changed which type of plan and had direct debits put on hold during plan changes or annual re-certification, but each time I asked customer service representatives if that would affect my PSLF plan and was told not to worry, it would not. I also know that my loans have changed hands ( XXXX XXXX, XXXX, and now XXXX ) so I am hoping that is not the problem.
So, the first question is which payments did XXXX consider to be qualifying and which did not? I would like documentation of this for my records. The second question is why both of my loan accounts have not had an equal number of qualifying payments since XXXX? Note that during my time at XXXX, only 2 payments counted toward one loan and 4 toward the other loan. Is there some sort of issue where my monthly direct debits are not paying on both accounts?
You may reach me at [ cell number ] if you have questions. Thank you for your attention to these issues, XXXX Date Employment/Loan Status XXXX. XXXX Left school to work for XXXX XXXX XXXX XXXXXXXX XXXX XXXX 6-month grace period ends, payments begin XXXX XXXX XXXX Program begins to track qualifying payments XXXX. XXXX Returned to school, loan payments deferred XXXX. XXXX Graduated, grace period begins XXXX XXXX XXXX Started work for XXXX XXXX XXXX XXXX XXXX 6-month Grace period ends, qualifying payments resume XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Started work for XXXX XXXX , payments continued XXXX XXXX XXXX Employment continues, first date certified at XXXX XXXX dates XXXX should be 17 qualifying payments, not sure how many counted ( *no paperwork from XXXX confirming ) XXXX should be 15 qualifying payments, not sure how many counted ( *no paperwork from XXXX confirming ) XXXX should be 17 qualifying payments, only count XXXX XXXX should be 4 qualifying payments, only count 2-4 Dates Employer Total qualifying payments for which documentation was submitted XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 Grand total 53 '' I have a number of other complaints about XXXX and how they handle my account, but I recently learned that thousands of other people have had similar problems with the PSLF records. I hope there is a solution.
Company Response: Closed with non-monetary relief
2018-07-20
Milwaukee, WI
Took or threatened to take negative or legal action
Debt collection: Private student loan debt
Threatened to sue you for very old debt
Complaint: XXXXXXXX XXXX XXXX SC Attorneys at Law is not giving all the information I need for a Case between XXXX XXXX XXXX XXXX XXXX XXXX vs. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the law firm client. I'm XXXXXXXX XXXX XXXX 's mother, XXXX XXXX. I understand they had court in XXXX for her. She was paying the loan and stopped in XXXX of XXXX. They are trying to garnish my check without giving me any proper information about the borrower and loan. I want to see the original papers so I can know more about the loan. XXXX, phone number, XXXX, ext. XXXX is the rep. I've been in contact with and I can't explain anything to him. He is so rude. I believe if you are going to garnish someone's paycheck they should know more a bout the company, which is not a regular loan creditor. They are a trust place and more like a depositor. I told them I'm really not able to pay my daughter 's loan. I am the cosigner. My daughter has two jobs and is working on her XXXX XXXX degree. She just received XXXX and should have payed her dept I'm not sure if this place is legitimate or not that's why I didn't provide them with any of my financial papers.
Case # XXXX File # XXXX
Company Response: Closed with non-monetary relief
2018-07-20
MI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Was contacted in XX/XX/XXXX by XXXX XXXX XXXX to take over my student loans from XXXX for a lower interest and loan forgiveness program. Made 4 payments of {$150.00} starting XX/XX/XXXX to XX/XX/XXXX. Total of {$600.00}. Was told the fee was for them to take over student loans and be my new borrower. Got several emails from navient asking about payments because they never officially took over the loans. Tried contacting them several times with no response. Started receiving paperwork from another company called XXXX XXXX XXXX. Contacted them and they said XXXX XXXX XXXX handed my student loans over to them in XX/XX/XXXX. XXXX XXXX services advised me to file a dispute at my financial institution to try and get my {$600.00} back because I should not have been charged to begin with and advised me to contact the trade commission and turn in XXXX XXXX XXXX.
Company Response: Closed with explanation
2018-07-20
Katonah, NY
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
2018-07-20
Milwaukee, WI
Took or threatened to take negative or legal action
Debt collection: Private student loan debt
Threatened to sue you for very old debt
Complaint: XXXX XXXX XXXX XXXX in XXXX, WI is representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX in a case versus XXXX XXXX for a student loan that she got in XXXX. XXXX stop paying them in XXXX of XXXX and they sent me, XXXX XXXX, XXXX XXXX 's mother a letter stating my paycheck was going to be garnished. They didn't provide me with the proper information about the loan or information about the client, XXXX XXXX XXXX XXXX XXXX XXXX. When asking, the Representative, XXXX, phone number, XXXX, ext. XXXX for this information he said he's not giving it to me. A court date is set up for me on XX/XX/XXXX. I'm not sure if I trust this agent or not so I didn't provide them with any of my information. I'm not sure if the loan is in default or how the client got a hold of the loan because they are not a regular service or guarantor. They communicate through the lawyer 's company. I'm want to know why a payment plan wasn't setup first from the client before trying to garnish my check. Is this place legitimate or not, I'm not sure because I'm not receiving the information I need. I want to see the original loan form and promissory note for this loan before I pay anything to them. I am the co-signer and I did this if my daughter wasn't capable to pay it back, but she is and i have proof. Also, my daughter is not being cooperative with me either. She is working on her XXXXXXXX XXXX degree and has two jobs. She is capable of paying off her own loan. I don't know what she told them. I also tried settling with them twice.
Company Response: Closed with non-monetary relief
2018-07-20
Brentwood, NC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: On XX/XX/2018, I requested a second debt validation via certified mail. AES has failed under the FDCPA to furnish the following : 1. Proof of a permit number that they are licensed to collect a debt on North Carolina Consumers.
2. A copy of all the ORIGINAL documents required under the Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it.
3. A complete payment history on this account.
4.All original copies reflecting an agreement to pay the alleged debt.
5.Copies of all invoices, bills, and notices concerning this alleged debt.
6.If this debt has been purchased or assigned, AES has failed to provide a copy of all related agreements.
7. An explanation of why AES is not reporting on my credit report item is being disputed.
8. Evidence that AES is authorized and licensed to receive payments on this alleged debt.
9. The reason why AES / XXXX XXXX is not accredited with the XXXX.
Company Response: Closed with explanation
2018-07-20
Foothill Ranch, CA
Problem with a credit reporting company's investigation into an existing problem
Student loan: Private student loan
Problem with personal statement of dispute
Complaint: I recently graduated from XXXX school on XX/XX/18 and prior to this I have been a student full time. As The XXXX confirmed by the letter on XX/XX/2018 sent to me : XXXX, the In-School Deferment on your student loan ( s ) will expire on XX/XX/2018. Youre scheduled to start making monthly payments ON XX/XX/2018.
So, I have the times is 30 days to finding the money in order to make payment? I thinking this Scheduled repayment is very great to me for ( ( Im starting my XXXX XXXX XXXX on XX/XX/18 ) ).
But, I dont know why : *The AES asked me to make the payment {$430.00} ( Due by XX/XX/2018 ) while Im still a student full time.
And *The AES asked me to make the payment {$660.00} ( Due by XX/XX/2018 ) At this time that I recently graduated from XXXX school on XX/XX/18.
I am writing to request that the AES/ credit report be corrected to reflect that my co-signers ( XXXX ) and I am no longer delinquent.
Company Response: Closed with explanation
2018-07-19
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2018-07-19
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
2018-07-19
Oxford, GA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: There is delayed that is being reported on my credit report appears to be inaccurate and misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.
Company Response: Closed with explanation
2018-07-19
Wrentham, MA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I called to get my monthly payment reduced as I am currently not working - was given the option for forbearance. Decided to only do it to ONE of my loans as i could afford the payment for the other. They put the incorrect loan in forbearance therefore making my account past due as I was under the impression I did not need to make payments on the larger balance loan.
Company Response: Closed with explanation