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 148
2018-04-16
Havana, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: XXXX refuses to remove incorrectly reported late payments from my account, despite the fact that the periods of late payment were placed in forbearance. I have tried to resolve this with them via phone on several occasions with no success. I then disputed the reporting with XXXX & XXXX.
XXXX removed the late payments in XX/XX/XXXX, and XXXX subsequently added them back on/around XX/XX/XXXX. This violates the following section of the FCRA : 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. ( 1 ) 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. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. 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 '' those that were erroneous when submitted to the CRA.
XXXX has yet to report back on my dispute, however, I would like these erroneous late payments to be removed so that I may move on. I have attached documentation from XXXX stating that the accounts were placed in forbearance during the reported late period.
Company Response: Closed with non-monetary relief
2018-04-16
NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I have been on the Public Service Loan Forgiveness ( PSLF ) plan for over 3 years now and recently enrolled in school. Due to my enrollment automatically triggering deferment status, I called in to request a deferment waiver so that I can continue to make qualifying PSLF payments since I do not intend to defer my payments. I have requested this waiver FOUR times and have three employee ID numbers of customer service agents to whom I have spoken. On my fourth call, I was told I should make a payment anyway, and then I would need to re-certify my PSLF even though I did that inXX/XX/XXXX ( it is now XX/XX/XXXX ).
Company Response: Closed with explanation
2018-04-16
Conimicut, RI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Closed with explanation
2018-04-15
Claiborne, LA
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
Company Response: Closed with explanation
2018-04-14
PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I requested deferment from XXXX, my loan servicer, through my graduate school, the XXXX XXXX XXXX at XXXX XXXX. I knew I was graduating in XX/XX/XXXX, and requested multiple times to be placed off of deferment ( there are records of this ), in XXXX and XXXX ( XXXX I believe based on attached form ). I called and spoke to representatives asking what I was to do to avoid capitalization of my loans and the best thing to do with my interest since XX/XX/XXXX ( I ended up just paying the outstanding portion of my interest in case ). The problem then became that, I was stuck in deferment from the months of XX/XX/XXXX toXX/XX/XXXX which was AFTER I graduated. I then requested again out of deferment, and signed a deferment waiver form, in XX/XX/XXXX, to be placed out of deferment. Oddly enough, the XXXX XXXX XXXX finally fixed my enrollment status and reported it to XXXX. Little did I know I was charged {$180.00} in capitalized interest, with NO notice whatsoever, based on the interest that should have been accruing during those two to three months. They stated this was a " forbearance '' and there was nothing they could do about it.
My point is A ) My school and the loan company knew full well this would happen, and told me nothing about it in writing or online communication and B ) I received no notice about the late money. C ) Finally I was unaware, and STILL am, of how I could have, or done anything to prevent that {$180.00} from capitalizing, and ending my deferment any sooner. In other words, because of another person 's mistake, I am charged {$180.00} ( this is obviously not about being " fair, '' it's about allocation of interest and where it should go. ). I have never been in default and always pay my loans on time. In fact I've paid down my first loan already. So paying extra interest which was was unknown to me is startling and an unfair business practice.
Please see attached forms, as I was in repayment not only in XXXX, but also in XXXX, as seen in the form.
Company Response: Closed with explanation
2018-04-14
Long Beach, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: 1. XX/XX/XXXX XXXX # XXXX spoke with me to handle my request for a loan verification to submit to my loan officer for escrow. She said it would be emailed to me in 2 weeks 2. XX/XX/XXXX XXXX # XXXX informed me XXXX sent it out then when she looked again told me they cancelled my request because I did not submit verification forms. Though it was in my upload history she claimed she needed employer verification and I needed to resubmit it. I submitted it the same day. She informed me I would get credit in PSLF payments once they verififoed the employer.
3. XX/XX/XXXX XXXX # XXXX at XXXX PST told me the forms were received and I should expect an email in 5-7 business days to the email on file.
4. XX/XX/XXXX XXXX # XXXX informed me that although there were no instructions on the PSLF my form was rejected because it didnt follow the MM/DD/YYYY format for my employment beginning date. This was completed and after uploading it 3 times she finally confirmed seeing it to send in for review with the loan verification request.
5. XX/XX/XXXX XXXX XXXX confirmed my documents had been received and were in review. She informed me to call back XX/XX/XXXX if I did not hear back ( get the email with the loan verification.
6. XX/XX/XXXX I get an email saying section 3 which is the start for employment of incorrectly filled out.
I followed the instructions and I am livid that I keep going through the ringer with these people. This company functions like the loanshark for profit company XXXX. You never get the same person, they dont want to give you a supervisor, no responsibility is taken for their mistakes and they lack professional organizational skills.
This is unacceptable
Company Response: Closed with non-monetary relief
2018-04-14
Clinton, MD
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2018-04-13
Five Points, NC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: XXXX XXXX provided false information in their initial response. I updated my contact information once I was notified of their reporting to the credit bureaus. I have an active US mail forwarding request in place, so any mailed correspondence truly sent would have been forwarded to my current address. I have received nothing from them. They have only contacted me through their internal mailbox system. If I had no idea that my payments were in repayment status, I would have no need to sign into their website to check for messages. I was also still enrolled in school during the alleged 90-day delinquent status and did not complete exit counseling. If I justifiably believed that my loans were not in repayment status, I would have no reason to log into my account to check for messages from them. They also have my account listed as e-billing only, so that also conflicts with their claim that they mailed me. I also previously contacted the company regarding this dispute to find out why I was not notified and billed, and they said that I must provide consent for them to contact me. So they are being completely untruthful in their response that they have attempted to contact me. They also lied by saying they reviewed documentation to support my claim, because I did not provide any documentation yet. Additionally, they are reporting to the credit bureaus that the dispute has been resolved. They are not following requirements of the FCRA with that inaccurate statement and the FDCPA with their dishonest collection attempts, and they also have not added that I disagree with their resolution after the dispute, which is another violation of the FCRA. Their practices are deceitful and unethical. I'm not satisfied with this company nor their response. I will continue to pursue my options to correct their illegal reporting and collection actions.
Company Response: Closed with explanation
2018-04-13
Montevallo, AL
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
2018-04-13
Philadelphia, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: XXXX keeps taking money from my bank without my permission. I asked them multiple times to remove my bank account information from their website and even removed recurring payments. When I logged in today XX/XX/2018 I saw that recurring payments were turned off and my bank information was not there so how have they been able to take money from my bank without my permission for the past 4 months?!! There were no legal order for them to do so and i expressed clearly that I am having financial difficult now because of this. I want to know my rights and what legal actions I can take against XXXX because this is absolutely ridiculous. I would like legal advice immediately.
Company Response: Closed with explanation
2018-04-13
TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I have ask XXXX to provide documentation to me several times validating this student loan debt and by validating these debts I actually wan na see who signed the loans if there is even a signature.
I feel these loans where opened fraudauluantly until otherwise proven by signature that these loans belong to me. For some reason XXXX has not and wont provide this information to me, when I so called have rights to these loans.
I will ask once again for XXXX to provide this information to me
Company Response: Closed with non-monetary relief
2018-04-13
Shalimar, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-04-12
Trenton, NJ
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: All of my school loans were transferred or sold and the credit bureaus are reporting the multiple loans as duplicates. On or about XX/XX/2017 I submitted an online dispute via Credit for those duplicate reports but the bureaus claim that the lenders resolved it which is not true. I called the lenders and they said they would fix it but it never happened. I am being denied credit because it appears that I have taken out numerous loans but the student loan lenders refuse to report properly as well as the credit bureaus after speaking to them on the phone. They are pointing to each other and giving me the run around. I was emailed the results and nothing has changed. My school loans are currently being paid thru the School Debt Relief Act and the disputed closed accounts are mostly over 7 years old.
Company Response: Closed with explanation
2018-04-12
Lb, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: When I took them out, my loans were originally held and serviced by XXXX. My loans went to XXXX because I had expressed an interest in the Public Service Loan Forgiveness ( PSLF ) program from the very beginning. I graduated in XX/XX/XXXXand began making payments in XX/XX/XXXX with my XXXX stipend. On XX/XX/XXXX I submitted paperwork to XXXX to verify that I was meeting the requirements for the PSLF program. XXXX verified the paperwork and walked me through the consolidation process, which I completed through XXXX. While I was made aware that the consolidation was a necessary component of the PSLF program, I was not made aware that any payments prior to consolidation would not be counted toward the 120 payments required for loan forgiveness. In XX/XX/XXXX, I submitted employment verification again and was informed by XXXX that XXXX was the new servicing agency for PSLF participants and on XX/XX/XXXX, my loans were transferred to XXXX. I started a new job in XX/XX/XXXX and when I submitted the employment verification to XXXX, I was informed that my loans were not consolidated and would have to be consolidated before any payments could be made that would count toward the PSLF program.
My complaint is this : I have met all of the requirements to qualify for the PSLF program and have been making payments for seven years. I was given misleading information at several points throughout this process- I have consistently identified my interest in participating in the PSLF program. I have completed each requirement as it was described to me. Further, I have already consolidated my loans at least once. I believe that I am being treated unfairly and taken advantage of and further that XXXX and/or XXXX are committing fraudulent acts in order to disqualify my previous payments and lessen the total amount of the loan which will qualify for forgiveness.
Company Response: Closed with explanation
2018-04-12
TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: To whom it may concern, I writing this letter to dispute the inaccurate reporting on my credit report from XXXX XXXX XXXX ( XXXX XXXX ). According to my report # XXXX from XXXX, pages 9-15 ( see attached ), there are consistent updates indicating that my account was in an ok status ( as in paid ) between the years of XX/XX/XXXX through XX/XX/XXXX always around the same time of year, between XX/XX/XXXX and the beginning of the following year. The items are also on my XXXX bureau reported the exact same way. These items have already been updated and dropped from my XXXX bureau.
The reason this creates a challenge for me, is because XX/XX/XXXX I was diagnosed with a XXXX XXXX condition called XXXX and less than one year later XX/XX/XXXX, I woke up XXXX in my XXXX XXXX because my XXXX XXXX overnight. Two weeks later, the same thing happen to my XXXX XXXX, woke to a XXXX XXXX. About a month or so later, I was diagnosed as legally XXXX and XXXX. At the time I went XXXX, I was enrolled in school and had to drop out due to my condition. In XX/XX/XXXX, I had my first XX/XX/XXXX XXXX and the second one in XX/XX/XXXX. During these years my family suffered a great hardship due to the lack of income as you can probably imagine and I was unable to make payments on my loans during that time. I currently still have XXXX in my XXXX and will continue to take XXXX and XXXX XXXX in my eyes for the rest of my life.
So, its hard for me to imagine where I would have came up with the money to make one small payment on one loan, let along 12 payments across all the loans spread out every year near or around the exact same time, for a span 2 to 4 months, consistently. Considering I wasn't cleared to return to work until the beginning of XXXX and didn't actually find a job until XX/XX/XXXX.
I understand the law says if you have an account in collections, it will usually remain on your credit report for seven years plus 180 days from the date the account first became past due and never was brought current. However, this reporting appears to be an abuse of this very law. By this being reported as current at times when there was no way I could even pay, this will end up on my credit for another 4 years and at that time, this will have been on my credit for more than 10 years. This appears to be deliberate attempt to extend or reset the seven year plus 180 days rule for automatic removal from my credit, which in turns hurts me and my family even longer after going through a critical 5 year span in this decade already.
I have gone through student loan consolidation, Im currently out of default and making normal payments on time. My wife and I have XXXX kids in college now and these closed collection accounts are negatively impacting my credit scores, thus prohibiting us from recovering and moving on with our life, supporting our children through college and qualifying for a mortgage. These items are reported are absolutely false and need to be removed.
Company Response: Closed with explanation
2018-04-12
Federal Way, WA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I'm enrolled in the PSLF program, mi servicer is XXXX XXXX. I have a rental property which I always declare in my taxes. Last year I have to fix the fence and the roof. Both expenses can not decrease the income but have to be added as a property improvement and then use the amount for depreciation purposes. The amount was $ XXXX ( the tax return shows this amount ) which I can not deduct as a business expense, making the income higher that it should be for that year, On top of that, I didn't have the money to pay for it so my wife took money out of her retirement account to cover for the expense, also creating a higher income for that year if we use the adjusted gross income from the tax returns.
I called several times and talked to a loan counselor and they told me they are not tax experts and can not adjust the gross income from my tax returns. They asked me to send pay stubs instead of the tax returns however, if I send pay stubs it will not show my rental income which is usually a loss.
I really need some help here making my service provider adjusting my tax adjusted gross income adequately.
Company Response: Closed with explanation
2018-04-12
Grand View, ID
Communication tactics
Debt collection: Federal student loan debt
Called before 8am or after 9pm
Complaint: Called me at XXXX XXXX did not state company name or to whom I was speaking with, but wanted me to give out my personal information such as my birthday. I informed that at the time they call that it was before XXXX XXXX. Called back spoke with an agent, his excuse is I have a east coast address, yet I have never dealt with this company before. Also, after talking with the agent he is well aware that my employer is in Idaho. Therefore, it should have been a given that the address they have on file did not correlate with my new address and time zone.
Company Response: Closed with explanation
2018-04-12
Fountain Valley, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-04-11
Wallington, NJ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I am currently in repayment for my student loans, and planning on using the Public Service Loan Forgiveness Program. I have been paying my loan since XX/XX/XXXX, and have never been delinquent on a payment. The loan servicer has claimed that only 33 payments are valid and count towards the PSLF. In XX/XX/XXXX I requested confirmation of how they came up with only 33 payments, and I have not been able to get any information from the current servicer or the prior servicer.
Company Response: Closed with non-monetary relief
2018-04-11
NY
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: In XX/XX/XXXX at XXXX years of age I received a co-signed loan disbursement of {$28000.00} for my education expenses from a private student loan servicing company based in Pennsylvania through American Education Services ALPLN Loan Program. I, like many at that age, was not fully aware of what I was agreeing to once it came to the time of repayment and did not understand that private student loans would not have any of the basic or common sense regulations that help borrowers repay these loans. I think this company is one of the worst of the worst, and they structure these loans to inflate the principal balance and make borrowers pay substantially more in interest versus the amount that is allocated to pay the principal balance with monthly repayments. To date XX/XX/XXXX I have repaid a total amount of {$18000.00}, {$12000.00} of which was paid interest, {$6000.00} of the remaining amount was paid to the principal balance, with {$60.00} also in fees. To this day XX/XX/XXXX, the principal balance I owe is {$31000.00}, ( that is criminal! ) In recent days, I noticed some suspicious activity and messaging on my account that was notifying me of forbearances I did not initiate or authorize and I was told these were put in place to update the account with strange information relating to in school deferments that go years back. In XXXX of XXXX, I was notified that the repayment terms of my loan have changed, which I did not agree to or initiate, that raised my monthly repayments by $ XXXX {$40.00} per month. Also, I had a phone call with American Education Services yesterday XX/XX/XXXX as I had noticed that my monthly payments had increased one month into my new repayment terms, to a higher rate than of the rate. I asked the customer service representative why is my XX/XX/XXXX rate higher, she replied that my monthly repayments will rise in XX/XX/XXXX and XX/XX/XXXX of every year throughout the remaining payment terms of my loan which is over 130 months to date, and that she could not forecast what my repayment amounts would be as my loan does not have a fixed interest rate, and it would be impossible for them to calculate this information. But she did allude that my payments could approximately rise to as much as {$400.00} or {$500.00} a month over the course of the years ahead in my repayment as " I am now paying more of my principal '' according to the new terms. The last I checked, this is not he wild west, how in XX/XX/XXXX, in a nation that prides itself on its dedication to upholding the rule of law and protecting the vulnerable, lets these companies and run freely wild with profiting off the backs of lower income earners like myself, who earn only {$30000.00} a year? How can they be so bold to tell me that I have no options but to roll with the repayment terms of their loan that has seemingly no limit as to what my monthly payments will be for the next 130+ months as the interest rate is not fixed. What makes my loan repayment amount increase consecutively every XX/XX/XXXX and XX/XX/XXXX, apparently nothing related to the interest rate? I implore the CFPB to investigate American Education Services for predatory student lending and bring confidence back to the thousands of students like myself who are trying their hardest to pay their loans back, but are being weighed down by a predatory lender who does not properly communicate the repayment terms of their loan to borrowers in a clear and concise fashion, and a predatory lender who makes complicated account changes that do not make sense to the borrower. XXXX XXXX got sent to prison for his ponzi scheme, how can American Education Services which is operated by the Pennsylvania Higher Education Assistance Agency keep getting away with theirs?!?! Why were they even lending in New York?!?! I thank-you for your time, and do appreciate your attention to my concerns which are very upsetting to me.
Company Response: Closed with explanation
2018-04-11
Happy Valley, OR
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
2018-04-11
Somerville, MA
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Complaint: XXXX XXXX XXXX XXXX XXXX.
XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately.
Name of Account Account Number Provide Physical Verification XXXX XXXX UNKNOWN {$6000.00} XXXX XXXX UNKNOWN {$3500.00} XXXX Please remove all non-account holding inquiries over 30 days old.
Thank You, XXXX XXXX
Company Response: Closed with non-monetary relief
2018-04-11
Kirtland, OH
Written notification about debt
Debt collection: Federal student loan debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-04-11
Brentwood, NC
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Company Response: Closed with non-monetary relief
2018-04-11
Sarasota, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I believe I was a victim of predatory loaning. I was given loans of over {$20000.00} while homeless with absolutely no way to pay them back and was not given proper counseling. There was no system in place to decide if I was a proper candidate to recieve loans and in all other situations where lenders are in involved it would be impossible for a person with zero income that was also homeless with very poor credit to recieve such massive loans. I believe these practices are predatory and should be illegal. I do not know how to continue with this complaint or whobto contact.
Company Response: Closed with explanation