AES-PHEAA

2018-05-11

NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: My XXXX loan was consolidated with out my knowledge and are now being serviced with XXXX XXXX. I was told my loan would be forgiven due to being a government employee and my income and went a year with no payment. A year later I received information that my loan payment would be XXXX monthly. I have contacted XXXX XXXX regarding my loan and have been told there is nothing they can do to help me. I have made payment to them to keep them from reporting negatively to credit! I was not told that according to my tax documents I had XXXX dependents and then when they reviewed my loan it was discovered I only had XXXX dependent. I have NEVER reported the the IRS I had XXXX dependents. XXXX XXXX has not provided me with any proof that I gave them or anyone else permission to consolidate by loans through them ... ...
Company Response: Closed with non-monetary relief

Timely Response

2018-05-11

So Effingham, NH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I paid four of my five student loans in full with a refinance through XXXX. I left one student loan open because the interest rate was lower than my refinance. I owed a very small amount on " loan sequence 2 '' and had pre-paid a couple of years of payments on that loan. XX/XX/XXXX I decided to start re-paying the debt that was pre-paid through at least XX/XX/XXXX because I would like to start a family and thought I should get rid of that loan first. When I made the {$92.00} payment, all four of the closed loans re-opened. I called onXX/XX/XXXX to complain to XXXX as the 4 loans should have been paid in full. I told XXXX XXXX that I wanted the loans which re-opened with credit to be reapplied to the total debt owed and DID NOT WANT checks sent to me. I was told no little checks would be sent. I received two checks for about {$2.00} each about one week later. After two calls and multiple escalations I was told my loan would be entered into a " lead review '' which would take two weeks maximum. After two weeks, I called again and I was told the process could take up to 30 days. Meanwhile, the amount owed increased. I continue to call XXXX and the problem is not fixed. XXXX is now reporting my credit as OVER 260 DAYS PAST DUE which is a LIE and IS Seriously affecting my credit. I had to buy a new car and was not able to get the promotional rate. MY LOANS ARE REPORTING AS ALMOST IN DEFAULT WHICH IS A LIE. MY CREDIT IS REPORTING AS HAVING SERIOUS DELINQUENCY WHICH IS A LIE. EVERY TIME I CALL XXXX they demonstrate a complete inability to assist me. The first person who answers informs me my loans are significantly past due and in risk of default after multiple escalations I finally reach someone who has a clue and says it normally does not take this long to correct. It has been a month and a half and my credit is messed up. Additionally, XXXX never explained to me the consequence of paying the income based repayment. My loans therefore capitalized as follows : on XX/XX/XXXX - {$10000.00} and on XX/XX/XXXX - {$550.00} ( despite on time regular payments since the first due date XX/XX/XXXX. I made regular on time payments until XX/XX/XXXX. On XX/XX/XXXX my interest capitalized {$17000.00}. This added a total {$28000.00} to my amount owed. I then made on time payments until XX/XX/XXXX and I paid 4 of my loans in full in XX/XX/XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-05-11

IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have loans out with get loan and XXXX XXXX. I am unemployed due to having XXXX children at home and the cost of daycare and they are saying I owe {$420.00} a month. I had tried sending payments of {$20.00} at a time but they send them back to me, they said they won't take partial payments. Last month I called to see what else I could do and was given 5 different phone numbers to call that were suppose to have my account and they all said they didn't have my account and have me another number to call. Please help I don't know what to do to get them paid off. I am {$30000.00} in debt because of this.
Company Response: Closed with explanation

Timely Response

2018-05-11

Bentley, MI

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: Student Loan Consolidation. I was tricked to believe I was call XXXX XXXX XXXX but I really called a guy name XXXX XXXX he stated he went buy the name XXXX. A scam. I paid XXXX none of that went to my loan but to his pocket.
Company Response: Closed with explanation

Timely Response

2018-05-11

Shalimar, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2018-05-11

San Gabriel, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I was duped into an interest-only payment plan, I was switched to a long term graduated repayment plan for 25 years. Now am paying nearly 100 % interest and making zero progress on principal. I was never notified how much interest I would be paying ( an exorbitant amount compared to principal ). I have not been paying these since XX/XX/2016 and have paid over {$26000.00} without anything being applied to principal ( {$65000.00} ).
Company Response: Closed with explanation

Timely Response

2018-05-11

NJ

Credit monitoring or identity theft protection services

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Received unwanted marketing or advertising
Complaint: I was called today by the XXXX XXXX XXXX XXXX about student loan forgiveness they were able to get all my information and they seemed like a scam. I spoke to someone named XXXX XXXX and he wouldnt give me his last name. They were to send my information to me but never did. Im nervous that my identity will be stolen.
Company Response: Closed with explanation

Timely Response

2018-05-11

San Gabriel, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have been paying additional amounts on my monthly payments in order to reduce the principal. I have just found from dealing with the company that additional amounts I have been paying since XX/XX/2012 have not been applied to principal. Instead the company have been holding the funds for future payments in a " paid ahead '' status. Basically holding my money and indefinitely pushing it forward in time to future payments instead of applying it to principal. This is a problem because I am paying the money now to reduce the principal on which I am paying interest. But they are not applying it to the principal, so they have my money, have not reduced my principal and are still changing me interest on the full amount. I had NO IDEA this was happening. I have been paying a lot more each month to reduce principal and apparently they have just been holding my funds. As of today, after speaking with a rep, they said they have taken off the " paid ahead '' status on my account. :
Company Response: Closed with explanation

Timely Response

2018-05-11

Shalimar, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: On this current account I have inaccurate information that can not be verified and I have a question documentation to verify this information. On this account I have unverified late payments during this time the account was in forbearance and there should not be any late payments. I have called to request a forbearance to avoid any form of late payment due to the fact I was continuing education with this particular loan service. According to several agents the individual who took the information did not update the information or did not process the information and result causing derogatory late payments on the account. I have requested the original contract of this account on three different occasions and have yet to receive anything. And if there is indeed late payments I am requesting the original signed contract with my original signature agreeing to these practices. If none of this information can not be provided I request that the unverified late payments to be updated to positive & current.
Company Response: Closed with explanation

Timely Response

2018-05-11

Quartzsite, AZ

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I called in XX/XX/XXXX to inquire about a forbearance form. They mailed me a form and I filled it out and mailed it back. I called to follow up upon receiving another months bill ; to which I was told I didnt include the co-signer information ( mind you, no where on any of my bills I receive nor anywhere on the user portal online logging in does it show or demonstrate that these two loans have a co-signer ). So they mail the form again and I fill it out again, this time including my co-signers information. I follow up on XX/XX/XXXX and was then told that they had me fill out the wrong forbearance form. I attempted to inquire about this issue and was given the runaround. What forbearance form did I fill out? What one was I supposed to receive? The forms were mailed directly to me by AES so how could they get this wrong twice? They tell me they will mail me the correct form and it is now XX/XX/XXXX and I have yet to receive the new form so I called again today and they had no clue about why I didnt get it. Well now its coming up on 60 days without payment because the forbearance was supposed to have started on XX/XX/XXXX whe. They received the form the first time I filled it out. Please help get this company to do right!! This is so wrong that I keep getting the runaround and have to re-do things
Company Response: Closed with explanation

Timely Response

2018-05-10

Newnan, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Complaint: In XX/XX/XXXX AES was discharged in bankruptcy. They refuse to stop harassing me or remove the debt. I continue to get bills, statements and everything from this company. I have sent them bk discharge papers numerous times over the years including copies of my credit reports showing it was discharged in BK in XX/XX/XXXX. They will not remove it, respect the judges decision and continue to break the law. Once the BK fell off of my credit report, they put it back on with 10 yrs worth of interest. I am looking for a attorney but I am being denied credit and my credit limit is being limited because this debt is being reported. They are currently in contempt of court. I sent a certified cease and desist letter.
Company Response: Closed with explanation

Timely Response

2018-05-10

Sandy Hook, CT

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

Timely Response

2018-05-10

Cypress, TX

Problem with a credit reporting company's investigation into an existing problem

Student loan: Federal student loan servicing

Problem with personal statement of dispute
Company Response: Closed with non-monetary relief

Timely Response

2018-05-10

Palos Park, IL

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-05-10

PA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: Back in XX/XX/XXXX, my wife and I were struggling to pay our two student loans and I contacted AES to find out what can be done. I was contacted by an agent that told me our best bet was to consolidate our loans. Based on his advice, we did, only to find out that it effectively made our situation much worse. XXXX is the servicer of our consolidation loan, which currently sits at 7 % and despite several attempts to reduce this percentage, we were told we were given one chance but a late payment took that opportunity away. Additionally, by consolidating, I took away my qualification for Public Service Loan forgiveness program ( I have worked in XXXX XXXX in XXXX since XX/XX/XXXX ). This was NEVER disclosed to me during the sales pitch to consolidate our loans. It has now been over TWENTY FIVE YEARS since I first started paying on my student loans and over 12 since we were talked into consolidating - and our principal has actually gone UP significantly since the consolidation. I want answers and I want retribution for all the money we have paid into our loans without seeing any reduction of our principal balance. XXXX and its representatives ( and I blame AES services too ) misled us and we have been paying for it - literally - ever since.
Company Response: Closed with explanation

Timely Response

2018-05-10

Albuquerque, NM

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with non-monetary relief

Timely Response

2018-05-10

Louisville, KY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: To Whom It May Concern : I had two loans described below : 1 ) Stafford for {$4200.00} 2 ) DL Stafford for {$4900.00}. The school was either XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. I paid of the full balances of these two loans about three years ago. Since then, XXXX XXXX XXXX kept sending me generic notices confirming that my loans were paid off and that I had no payment due. I kept meaning to call them and ask them to stop sending me these notices in order to save the paper, but it took me awhile. I finally did that today on XX/XX/XXXX. When I asked them to stop mailing these notices, they said I had a balance. I was shocked! I do not think there is any possible way that could be accurate. I told them that I have been receiving these notices ever since I paid off the loans, and they all say the same thing : that I have a XXXX balance with no payment due. One of the latest notices I got, which is right beside me now, shows the two loans and states at the top : PAID IN FULL NOTIFICATION. However, the customer service agent at XXXX XXXX told me that I owed interest of {$71.00} and an additional {$13.00}. Where on Earth did these amounts come from after three years? And why didn't they ever send me a notice clearly stating this? They never did, and now they expect me to pay this so-called interest that's been accumulating all of this time. Interest that's been accumulating on what, I am not certain. As I said, I paid these off in full in XXXX. I believe this practice of XXXX XXXX to be completely deceptive and disreputable. I told them that it must be their error, and they did not offer to adjust it or to listen to my explanation, for that matter. Of the two most recent notices I received, one was the paid-in-full notice mentioned above. The other one says monthly bill at the top. These are the same notices I've been receiving for the past three years. These bills always had a bunch of zeros on them, which is why I stopped paying attention to them and why I asked XXXX XXXX to stop sending them to me, in order to save the resources. When I looked more closely at this current " bill, '' it shows {$71.00} in the Current Balance box. I still do not know where this amount came from. I am certain it is an error. If it is not, XXXX XXXX must do a much better job of alerting their customers, in my case former customer, of any remaining or outstanding balances. It is not an ethical practice to state zero balances for years and then to suddenly show a balance that didn't exist before. It is also a very unsound and incompetent reporting process to state loans are paid in full and no payment is due but then contradict and state that I now owe interest. Please help me resolve this issue with XXXX XXXX, not just for my benefit but for every customer they now have or will have in the future. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-05-09

Dallas, TX

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

Timely Response

2018-05-09

Adams City, CO

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-05-08

Myrtle Beach, SC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: In your response to my previous complaint, you stated that based on your " thorough review '' forbearance was requested after the loans were reported which restored my account to a current status from the time it was applied. Which does not allow a retraction of adverse credit information that was accurate at the time of the reporting. I have a notice from XXXX, dated XX/XX/XXXX, that states you have received and processed my recent forbearance request. In addition to that, I also received the " Forbearance Loan Declaration '' which outlines the details below. XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX Approved : Delinquency Forbearance XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX Approved : Delinquency Forbearance XXXXXXXXXX/XX/XXXX Approved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX As you can see, the loans that are being reported as past due were in fact approved for retracted forbearance. By failing to update previously reported information, XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the 2 accounts showing late payments from XX/XX/XXXX- XX/XX/XXXX be updated and/or corrected and removed to accurately reflect my payment status.
Company Response: Closed with explanation

Timely Response

2018-05-08

Palos Park, IL

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Company Response: Closed with explanation

Timely Response

2018-05-08

CO

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: After struggling for months to begin making payments on an income based repayment plan I was approved for in XX/XX/2017 and trying to make payments on, a 2 month forbearance was applied to my account without my consent. When I asked a representative why the forbearance was applied I was told that they could find no reason for the forbearance to be applied. The representative confirmed that the forbearance should not have been applied and was not agreed to by me. I'm concerned that XXXX XXXX is applying forbearances to accounts of borrowers who are struggling to make payments to continue to keep borrowers like me from beginning making payments on IBRs and to continue capitalizing interest.
Company Response: Closed with explanation

Timely Response

2018-05-08

Gpt, MS

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-05-08

CA

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 completely paid off my student loans. XXXX ( XXXX ) has yet to put my payment paid in full, except for two of the loans. Stop dragging your feet and send me my letter. We are done!! If I am not completely severed from your company within one more week, I am filing the biggest lawsuit against you!!!! Enough is enough!!!! It's been over a month XXXX XXXX XXXX XXXX!!! I want this account closed!!!! Now!!!!!!! You have been paid in full now stop this and show I am paid in full!!!!! My patience is wearing extremely thin.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-07

Hamilton, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Company Response: Closed with explanation

Timely Response