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 133
2018-06-19
Bakersfield, CA
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 and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/2016.
Company Response: Closed with explanation
2018-06-19
Lansdale, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-06-19
Ridley Park, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: XXXX XXXX XXXX I requested a payoff and was told that there higher fee 's paying off a loan. It seems the loan went up if it was to be paid off early. the interest is 5.750 % The servicing of the it seems no true owner of the loan.
Company Response: Closed with explanation
2018-06-19
Wilmington, DE
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2018-06-19
Houston, TX
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Company Response: Closed with non-monetary relief
2018-06-19
Beaux Arts, WA
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
2018-06-18
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. 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 and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2018.
Company Response: Closed with non-monetary relief
2018-06-18
Brookline, MA
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
2018-06-18
New Britain, CT
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: American Education Services has sent a past due amount ( ~ {$2000.00} ) to collections. I have continued to make good faith faith payments ( $ XXXX/month ), since I am unable to afford the full payment due that was sent to the collection agency. I have made multiple attempts with the company to pay back the past due amount. The company representatives state that unless I pay the full amount due, they will continue to report delinquency to the credit agency. My most recent call to the company was today. Their representative communicated to me that I have no options but to pay the said past due amount in full and making good faith payments will continue to result in delinquency reported. She further stated that there is " nothing we can do '' and " it's not our fault that your car insurance rates have doubled '' ( as a result of adverse credit reporting ). I was then informed that my loans are now serviced for XXXX XXXX and AES has no ability to work with me for that reason. When I asked for a phone number or email to XXXX XXXX, she stated she does not have any contact information and I should " XXXX it ''.
Company Response: Closed with explanation
2018-06-18
Grand View, ID
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I have submitted multiple Public Service Loan Forgiveness certification forms over the years, and have received a letter back indicating that my payments were counting toward PSLF eligibility. However, when I finally made it through all 120 payments and should have been eligible for forgiveness, I was told by XXXX that, in fact, my repayment plan does not qualify for PSLF, and that I'll need to select a new repayment plan and start over on those 120 payments. This is shocking and devastating news, and I feel like I was misled here tremendously. I feel like I'm being denied loan forgiveness based on a technicality that I wasn't even made aware of. I've stayed in public service all these years, accepting lesser pay, believing that at least I'd get a break on my student loans. I feel betrayed.
Company Response: Closed with explanation
2018-06-17
OR
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: XXXX never told me about the Public Service Loan Forgiveness Program. I am a XXXX and would have been eligible to pay off my student loans in XX/XX/XXXX. In XX/XX/XXXX of last year I would have had 10 years of payments. Instead XXXX kept advising me to put my loan into forbearance. In XX/XX/XXXX I worked with a private company to reduce my loans. They helped sign me up for the income based repayment plan and to consolidate my loans to reduce payment ( I could have done this ALL through XXXX if they had informed me of these programs ). I was told by the private company to keep paying on my loans and that I could apply for the student loan forgiveness program in XX/XX/XXXX when payments would equal the 10 years of repayment-they were the ones that told me about this program NOT XXXX!!! When I applied in XX/XX/XXXX for this forgiveness, I was told that I didn't qualify because my loan was now considered a " new loan '' ( because I had consolidated them in XX/XX/XXXX ) and that I would have to continue to make payments for ANOTHER 8 YEARS!!! My loans are currently being serviced by " XXXX XXXX '' and they also have informed me of my " new loan '' status. This has created a terrible hardship for my family and I. A loan that should have been forgiven last year won't be forgiven for another 7 years because of XXXX not informing me of these federal programs and steering me into the wrong direction. Pleas help me to know what to do. Can this be reversed? Can they be forgiven because of the withholding of information? I have XXXX for 15 years as a XXXX XXXX, worked hard to provide for my family and am being punished for lack of customer support and help ... Please let me know. Thanks so much for your time.
Company Response: Closed with explanation
2018-06-16
Liverpool, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: XXXX XXXX reporting ( 3 ) late payment I have notices on my credit report with XXXX, XXXX, and XXXX. Which dates in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not been late, my student loan was in forbearance at the time. In XX/XX/XXXX I called in to update my personal contact information such as my new address, phone number, and my new phone number as well. They didnt not put it there system like they should have. I had no idea I was late & my loan was not in forbearance until I pull my credit report & seen that my account was late. This is not my fault, they should have updated my contact information when I request it to be over the phone with an XXXX customer service agent. So they had no number on file or email nor a correct address on file for me. So I called XXXX XXXX multiple times about my account with those late payment. I ask them several times to correct this information, because it is hurting my credit scores. They refuse too. So then I spoke to their XXXX XXXX / AES attorney XXXX XXXX XXXX XXXX, XXXX. He explain to him my story, he told me that they will look into it & correct the late payments on my account. I have not heard back from him. I been speaking to their attorney from months since XX/XX/XXXX. They have not correct those late payments yet. This becoming very aggravating & I feel like they are taking a vantage of me. I wrote letters, made phone calls too them, even spoke to their attorney as well, and they still fail to fix this issue.
Company Response: Closed with explanation
2018-06-15
Atlanta, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: XXXX XXXX XXXX has misinformed me about my loan for the life of the loan which originated in XX/XX/XXXX. I was not made aware of various forgiveness programs that would have significantly reduced high payments/ interest. Instead I was ALWAYS advised and encouraged to place my loans in forbearance. Recently, I have tried to reduce my payment and was given the run around by XXXX XXXX XXXX to the point where I hired a third party student loan advisor that provided me with much more information about the government programs that were available to me, something the Fed Gov has enlisted XXXX XXXX XXXX to do. Due to their inept mismanagement of my account. I have accrued alarming interest rates on what once was a modest loan. Just one example of this is while being given the run around to be placed on an affordable payment plan via a programs available, I was charged {$25000.00} in interest between XX/XX/XXXX - XX/XX/XXXX ( Yes that's one month ) which seems virtually impossible when you consider my original loan amount was for XXXX back in XX/XX/XXXX. I have been repeatedly lied to in an effort to tack on the erroneous capitalization of astronomical interest rates. The most recent case of mismanagement and fraud from this company is a XXXX opt -out fee I agreed to pay with my debit card to finally get on an affordable repayment plan program, that I have been trying to get approved since XX/XX/XXXX. ( during which time my credit score significantly dropped and XXXX interest accrued. ) This company not only charged me XXXX but also charged me {$280.00} an amount that I did not authorize. I called them and the rep has no idea why I was charged that amount ... If I had not caught this fraudulent charge I would have taken the hit ... meanwhile I spoke to a supervisor who had to of saw the charge and mentioned nothing about it. I would like for the CFPB to look into this matter for me because what XXXX XXXX XXXX is doing is completely predatory and criminal.
Company Response: Closed with explanation
2018-06-14
Peru, IN
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
2018-06-14
MA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: -XX/XX/XXXX, I submitted certification of my employment with a PSLF eligible employer.
-XXXX XXXX, I was notified by my old loan servicer, XXXX, that my Federal Loans would be transferred to XXXX. I was told the terms and payment. schedules would not change.
-XX/XX/XXXX and XX/XX/XXXX payments are not auto-drafted from my bank account. The payment schedule has been lost in the transfer.
-XX/XX/XXXX, I spoke to XXXX at XXXX XXXX XXXXXXXX ( ID : XXXX ) and I am informed that a review of my PSLF payments can be requested and would require 30 days to receive credit for the missed payments. I also asked to be switched to a PSLF eligible payment plan for which XXXX initiated a 10 year standard repayment plan.
-XX/XX/XXXX, XXXX ( XXXX ) informs me that the PSLF review will now take 90 days -XXXX, XXXX ( XXXX ) informs me that the current payment plan recommended by XXXX was not PSLF eligible. He also informs me a PSLF review takes 120 days. I inform him that 120 days has already elapse. He offers no resolution.
Company Response: Closed with explanation
2018-06-14
Denver, CO
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with non-monetary relief
2018-06-13
Silver Spring, MD
Written notification about debt
Debt collection: Federal student loan debt
Didn't receive notice of right to dispute
Complaint: I have about 11 accounts XXXX with 3 late payments on each for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called and deferred these loans several times, and was told each time that the late payments would be deleted since they were deferred. On top of that, they referenced a form they would mail in regards to this, but was never received. Now I have 3 late payments across 11 or so different loans and it has significant damaged my credit, all because XXXX XXXX did not due as they stated through phone conversation.
Company Response: Closed with explanation
2018-06-13
Tonalea, AZ
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
2018-06-13
Hornell, NY
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: I have consistently received incorrect information from loan service officers at American Education Services, or have received contradictory information from another officer upon followup. In some cases this has caused me to incur late fees or has negatively affected my credit rating. The most recent example was in XXXX-XX/XX/2018. In XXXX I called to report hardship making my loan payment and asked what options, if any, existed to lessen the burden. After informing me that most of my options were exhausted, the officer told me that after my account was 31 days past due, I could call in and make a good faith payment, which would bring my loan current and begin a process of reduced repayment plan ( RPP ). After waiting the requisite amount of time, I called back and another officer informed me that I was not eligible for this option and the only recourse I had was repayment. Meanwhile one of my loans had been put in deferment, for an unknown reason, presumably by the first loan officer ( who told me it was not possible to defer this loan ). I pressed the second loan officer to explain why the first one had told me about the RPP. Did she give me bad info? Was she incorrect? After putting me on hold she told me that if I made a good faith payment, I could request an RPP.
This leads me to believe that not only are AES staff oftentimes giving out wrong information, but they are purposely concealing the options that are available, hoping they can coerce people into repayment ( for example, by mentioning that if they don't repay, their credit will be negatively affected ) when in fact there are other alternatives.
Added to their constant harassment of me and my cosigners, even when I speak to them and we agree on a repayment date, this behavior is unacceptable and there seems to be absolutely no accountability. I ask that the CFPB look into this and other complaints against American Education services and consider taking action to curtail these dishonest policies. Paying off student loans is hard enough without an organization like AES confusing the process.
Company Response: Closed with explanation
2018-06-13
Hinkley, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.
Company Response: Closed with explanation
2018-06-13
NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I am unsure of the exact dates and amounts but I do have a close estimate. Last year I have started and completed a student loan rehab program on 11 student loans. I was paying XXXX a month I owed roughly 36k and XXXX of that was interest. When my accounts where sent to XXXX XXXX the XXXX interest was not capitalized. I immediately asked about my monthly payments changing to a higher price once the rehab was finished. I called XXXX XXXX and they stated they will let me know when the payments change. A few months later they went up to XXXX a month. I could not afford this and I startd the process for an Income based repayment plan. The representative I started the process with said with the information I gave him he could estimate my payments being around 150 a month and we just have to submit all the information requested of me and wait for approval. This took weeks. I was approved for XXXX a month roughly. When I called back to ask why it was so much, XXXX XXXX then told me it was because 2 out of the 11 loans had to have a seperate request submitted. I do not remember the reasoning they gave me. This is where my complaint starts. I said I do not understand why I wasnt told this information from the beginning of the first process. From the beginning point of starting my first IBR request process to now was a few months. I spoke with a representative around XX/XX/XXXX about wanting all my IBR plans to be on the same 12 month cycle. She suggested I continue a forbearance until all my requests for all 11 accounts were approved. I did not really understand what capitalization was at the time but what I did ask her was my account was showing I owed XXXX and it now shows i owed XXXX? why was that? She told me not to worry. Once the forbearance was lifted it would go back to XXXX. Now this whole situation was due to the fact of not being informed that all my accounts could not be requested for an ibr as a whole and 2 were needed to be requested seperately. The forbearance was done to keep everything on the same timeframe. I never defaulted. I was never more than 60 days late the whole time these processes were going on and now all my interest has been capatilized even though the representative in XX/XX/XXXX told me that it would not stay at XXXX and go back to XXXX. I tried calling for resolution on the matter multiple times and nobody will help me. It is hard enough to afford a plan on XXXX and now next year the plan will be based on XXXX because I was given misinformation in certain instances and not enough information in others. These things need to be fully explained as well and not in some clause at the end of a phone conversation that is said to you fast or unexplained or both. I would have found a way to pay the XXXX payment until all my ibrs were in order for all of my accounts. This is an unfair practice of misinformation, or not enough information. I would like the capitalized interest taken off my account. I have been told there are class action lawsuits on servicers doing practices like this and there is a recorded phone conversation with a representative in late winter/early spring telling me the capitalized interest will come off my account once all of the accounts are on the same IBR time table and it is being paid again. The representative knew that it would only be in a couple months time everything would be up to date. My very last conversation a few weeks ago, the rep was explaining to me what capitalization was and I was talking to her about amounts owed showing on my credit report and she knew I was concerned about it reporting XXXX and she was misleading me in a conversation stating they report the balance to the credit bureau not the interest and as of this week all the capitalized interest is reported to the credit bureaus as well. The representatives do not give good explanations in general and do not seem to care that the customer is fully understanding of the situation either. They need to do a much better job. Owing this kind of money and not being given the proper information so you can make decisions in your best interest can create much more financial distress in a person 's life than needed.
Company Response: Closed with explanation
2018-06-13
Manhasset, NY
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
2018-06-12
IL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section 609,623,809 i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent on XX/XX/XXXX to XXXX disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX XXXX XXXX1 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX 5.XX/XX/XXXX XXXX, XXXX , XXXX dispute letter to XXXX amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to XXXX 7. XXXX XXXX
Company Response: Closed with non-monetary relief
2018-06-12
Rockville, MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: XXXX XXXX ( hereinafter, XXXX ) services 6 ( six ) federal student loans since said loans first entered repayment in XX/XX/XXXX My repayment is/remains-unaltered Standard Repayment Plan, i.e. 120 fixed/equal monthly payments to paid-in-full. To date ( XX/XX/XXXX ), XXXX admits I have made 76 uninterrupted payments of {$1000.00}, the amount XXXX established as my fixed monthly payment. XXXX admits I have 44 monthly payments remaining to paid-in-full all 6 loans. In fact, over XXXX XXXX XXXX, Vice President, Loan Operations signature on XX/XX/XXXX, XXXX expressly admitted all my loans are expected to be paid-in-full at $ XXXX/month payoff as follows : Your current expected payoff date for loan sequence 1 is XX/XX/XXXX. Your current expected payoff date for loan sequences 2, 3, 5 & 6 is XX/XX/XXXX. [ Loan sequence 4 was never disbursed to me/paid-in-full XX/XX/XXXX. ] Your current expected payoff date for loan sequence 7 is XX/XX/XXXX. [ =All loans are paid-in-full on time and/or 2-3 years ahead of 10-year-schedule. ] None-the-less, in XX/XX/XXXX, XXXX inexplicably/absent notice to me, ( i ) extended Terms Duration credit reported to XXXX, XXXX and XXXX ( hereinafter, Credit Reporting Agencies or CRAs ) from 120 months to 130-145 months ; and ( ii ) reported in repayment XX/XX/XXXX-XX/XX/XXXXa seventh loan never disbursed to me, both I disputed, CFPB portal Case # XXXX. XXXX responded with an Administrative Forbearance, claiming in plain untruth/lie rather that I had credit disputed Identity Theft. Thereafter, FedLoan from XX/XX/XXXX to the present ( XX/XX/XXXX ) billed me different amounts from $ XXXX- $ XXXX/month every month-plain breach of Standard Repayment contract. My Standard Repayment Plan contract stated 120 equal/fixed monthly payments of {$1000.00}, which I paid uninterrupted, timely, in full every month from XX/XX/XXXX through XX/XX/XXXX. In retaliation for my 15-month-long credit disputes, XXXX reported to CRAs, 30 XX/XX/XXXX credit reports : ( i ) I made no payments : XX/XX/XXXX ; XX/XX/XXXX-XX/XX/XXXX ; ( ii ) both underpaid-and-overpaid in XX/XX/XXXX ( =XXXX willful misallocation of payments to fraudulently/in extortion engineer default of some loans ) ; and ( iii ) made no payment XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX by phone ( XXXX : XXXX, XXXX ID : XXXX ; XXXX, ID : XXXX ; XXXX, ID : XXXX ) thereby providing XXXX notice of my loans account credit, billing inconsistencies, and willful/knowing extortion via misallocation of payments to create default/underpayment of some loans with coincident overpayment of remaining loans. In direct contradiction of XXXX Vice President for Loan Operations XX/XX/XXXX letter, XXXX stated XX/XX/XXXX about XXXX XXXX : the system escalated my/borrowers monthly payments because said six loans would not have been repaid on or before XX/XX/XXXX. I believe XXXX actions herein described are unlawful, being in clear violation of the federal Fair Credit Reporting Act ; Truth in Lending Act ; Racketeer Influenced and Corrupt Organizations Act ( civil RICO-extortion ) ; mail- and wire-fraud statutes ; and Massachusetts State contract law statutes. I respectfully request CFPB take action against XXXX to halt further XXXX unlawful actions on my student [ 6-loan ] account and fully correct existing contract breach for willful extortion discussed herein. I have XXXX express admission of all payments/amounts/dates made ; bank-statements proving said payments electronically made to PHEAA-XXXX ; and US Mail-signature-receipt of payments timeliness.
Company Response: Closed with non-monetary relief
2018-06-12
Bethesda, MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation