AES-PHEAA

2018-04-07

Bellaire, TX

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

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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-04-07

Belton, TX

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Closed with non-monetary relief

Timely Response

2018-04-07

GA

Incorrect information on your report

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

Account status incorrect
Complaint: I first want to state that most consumers are good, honest, hard working people. Most people pay bills late and find themselves in delinquent status not because they are terrible human beings but mostly because it is very difficult for even the hardest working people to keep their heads above water. My issue is with American Education Services. On XX/XX/XXXX AES reported me to all three credit bureaus as being 60 days delinquent with my student loan account. My monthly payment is XXXX. On XX/XX/XXXX one day before I was reported as being 60 days delinquent I paid XXXX. This was to cover billing for one month and to decrease my delinquency to less than 60 days. ( I have to scrape the money together every month ) This is because AES reports to the bureaus every 30 days, but they only report negatively at 60 days delinquent. As of XX/XX/XXXX when I made the payment my account was less than 90 days delinquent. I paid more than my monthly payment to ensure that I would be less than 60 days delinquent at the end of the month. I called AES to inform them of their mistake as it relates to my credit report. I was told by customer service reps and their supervisors that there was a system era. My payment on the XXXX day of the month for some reason did not post to the system before the system automatically reported me as 60 days delinquent. This is despite the fact that their system as well as my online account with AES shows the payment date was XX/XX/XXXX. I was informed that although I was the victim of a lag in the reporting system I would still have to dispute the information with the credit bureaus. This is where I objected because I do not understand why I have to file a dispute that will be notated on my credit reports when AES acknowledged the mistake numerous times over the phone. I also noted that the credit bureaus are un-American in their practices. They operate under a guilty until proven innocent system. After speaking with several supervisors to no avail I was transferred to what I was told was a higher level supervisor. She informed me that the reporting was accurate. This is despite the numerous representatives that admitted otherwise prior to her ( XXXX ) taking over the call. The supervisor said that although their system reflects differently technically my payment covered all but XXXX dollars of XX/XX/XXXX. I covered all of XX/XX/XXXX and all but XXXX dollars of XX/XX/XXXX. So technically according to the supervisor the reporting was correct. I don't know how or why her explanation differs from what is showing in their system. As of today XX/XX/XXXX AES 's system shows me as being 32 days delinquent. If the supervisor is correct and I technically did not satisfy enough delinquency then why did my days of delinquency decrease in their system. I have not made a payment since XX/XX/XXXX. Why is my delinquency not more than 60 days as of today XX/XX/XXXX if I was 60 days past due as of XX/XX/XXXX which is 1 day after I made my payment. The supervisor had no explanation. Here is the most important part of the entire complaint. If the supervisor and AES are correct and technically I did not satisfy enough delinquency before the end of XX/XX/XXXX then let 's for the sake of argument concede that I am supposed to somehow know that their system generated information is flawed. Lets take a simple look at the calendar. AES agrees that I satisfied all of my delinquency for XX/XX/XXXX. Now lets go to the calendar. There are 28 days in XX/XX/XXXX There are 31 days in XX/XX/XXXX AES reported me as 60 days past due on XX/XX/XXXX. Lets add the days. 28 plus 31 is 59. So on XX/XX/XXXX even if I concede the era with their system and my actual delinquency, AES can not change the Calendar. AES reports at the end of each month and as of XX/XX/XXXX if we consider my explanation or the explanation of AES at most under any circumstance I was 59 days past due as of XX/XX/XXXX. 59 of course is less than 60. For the record I agree with their accounting system and not the explanation of the supervisor.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-07

El Paso, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with non-monetary relief

Timely Response

2018-04-07

Belton, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with non-monetary relief

Timely Response

2018-04-07

Madison, WI

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

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

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2018-04-07

Staten Island, NY

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I contacted American Education Services about reducing my loan payment while I attend dental school full time and can hardly work. They concluded that I can not receive income based repayment or deferment. This occurred on XX/XX/2018.
Company Response: Closed with explanation

Timely Response

2018-04-07

Chicago, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have direct loan payments set up on my account and it has been working for the last three years without an issue. I am currently attending a XXXX XXXX and I I elected to continue paying my loans despite being in school. However, after a few months of being in school, my monthly direct deposit was no longer being processed. I received no notification of this and my interest then increased significantly on my direct unsubsidized XXXX XXXX Now I am being forced to pay off the accrued interest, not the principal balance due to their error. On XX/XX/2018 I wrote to them about this issue and I have yet to receive an answer from them.
Company Response: Closed with explanation

Timely Response

2018-04-07

Boston Harbor, WA

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

2018-04-06

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with monetary relief

Timely Response

2018-04-06

Evanston, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I submitted my loans for the Public Student Loan Forgiveness ( PSLF ) program and my loans were transferred from XXXX to XXXX XXXX. In doing this, I submitted forms that verified my eligible employment for PSLF and received confirmation that I was working from an eligible employer for three different time periods ( I transferred within the same organization which required three different employer verification forms submitted ) I submitted the employer verification originally in XX/XX/2017. I checked my account a couple months later and saw that XXXX had only processed one of the forms despite submitting three different forms. I informed them of this and they had to conduct a manual review to resolve this process. I received confirmation of these and I waited for my number of qualifying payments to update to show my progress towards PSLF. I waited a couple months before I called and they told me I had to manually initiate XXXX to contact XXXX to verify the payment plans I was on to ensure their eligibility. I thought this would happen automatically but it did not. XXXX has not yet verified with Navient that I was on the correct payment plan and my status on my loans is that I still have 0 qualifying payments towards PSLF. I have repeatedly called back and been told that this process takes longer each time, first 10 business days, then 30 days, then 60-90 days, then 6 months. I call back at each of those intervals and am now at the 6 month mark and there has still been no progress. I want to know why this is taking so long as there are many years of eligible payments that I have not yet been credited for.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-06

Wallington, NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I was awarded several TEACH Grants which some have not been converted to loans. One in XX/XX/XXXX and one in XX/XX/XXXX. I have contacted the Lenders that originated the grant, which now have been bought out by XXXX. They claim that they can not check into any documentation that may have been provided and therefore can not change the conversion of the grant. This has caused me to owe more toward my student loans and I feel it is unfair and misrepresented the intent of the grant. I am still working in the special education field and have satisfied my requirements towards the grants. They should have never been converted to loans.
Company Response: Closed with explanation

Timely Response

2018-04-06

Decatur, IL

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 non-monetary relief

Timely Response

2018-04-06

Finksburg, MD

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

2018-04-06

Austin, TX

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-04-06

Burlington, WI

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
Company Response: Closed with explanation

Timely Response

2018-04-05

Dania, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2018-04-05

Mount Vernon, NY

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

2018-04-05

MN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I have five loans, which all currently reside with XXXX XXXX. Each loan was taken out between XX/XX/XXXX and XX/XX/XXXX. Three are subsidized ; two are unsubsidized. ( PARAGRAPH ) I have two issues with my current loan servicer, XXXX XXXX ; 1 ) I was forced into several forbearances despite my circumstances as a full-time student, 2 ) the loan servicer ( XXXX XXXX ) has refused to acknowledge my status as a full-time student between the dates XX/XX/XXXX and XX/XX/XXXX. ( PARAGRAPH ) XX/XX/XXXX, I graduated from University of XXXX XXXX. ( PARAGRAPH ) XX/XX/XXXX, I moved to XXXX XXXX to work, full-time. ( PARAGRAPH ) XX/XX/XXXX, I became a full-time student at XXXX University of XXXX and XXXX ( XXXX ), with a focus in XXXX XXXX, studying under a XXXX government scholarship ( XXXX XXXX XXXX ). My tuition and a living stipend were provided by the scholarship. ( PARAGRAPH ) In XX/XX/XXXX, I received a second scholarship to continue studying XXXX as a second language for one more year, then to study for a XXXX ' degree in XXXX. and XXXX. XXXX ( this scholarship paid for a total of 3.5 years of tuition and living expenses ; 1 year for language, 2.5 years for Degree studies ). I completed the year of language and completed one semester of Degree study. ( PARAGRAPH ) XX/XX/XXXX-XX/XX/XXXX ( while in XXXX ), I was forced to accept the terms of several forbearances, as I was told that my loans were already delinquent and that the penalties would be far worse if I did not acknowledge my delinquency with a forbearance. Each forbearance capitalized the interest that had accrued on each loan, increasing my principal loan amount. ( PARAGRAPH ) XX/XX/XXXX, I filed for " In-School Deferment '' with XXXX XXXX, as I was a full-time student. XXXX approved the deferment, but later revoked it ; I was told that the " In-School Deferment was not the proper program for the university in which I studied. ( PARAGRAPH ) XX/XX/XXXX ( after one full semester of XXXX ' study ), for personal reasons, I terminated my studies. I returned to the USA and began repaying my loans as soon as I was able to find employment. ( PARAGRAPH ) XX/XX/XXXX, I applied for the " Education Related Deferment '' program with XXXX XXXX and was denied. XXXX claims that, either, the program in which I was enrolled was not sufficient to be considered, or my application was insufficiently completed. ( PARAGRAPH ) Attached to this complaint form I have included 5 PDF documents ( they may not be in this order, but are described as follows ) ; A ) Application for my first scholarship, the school year beginning XX/XX/XXXX, B ) Admission notice for language and Masters ' program, the school year beginning XX/XX/XXXX ), C ) Two enrollment Certificates outlining funding sources, dates of study, and programs for study ; these documents are dated and worded as such indicating that the programs were already begun. Both forms indicate the expected XX/XX/XXXX graduation date, D ) Two final transcripts of XXXX language study, E ) Two Deferment Request forms submitted to XXXX XXXX ( Education Related and In-School ). ( PARAGRAPH ) Thank you so much for your time and consideration. ( PARAGRAPH ) If further information or documentation is required please reach me at any time. ( PARAGRAPH ) Best
Company Response: Closed with explanation

Timely Response

2018-04-05

NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Last year I received a report from XXXX XXXX on the number of qualifying payments I have made towards the Public Service Loan Forgiveness Program. They reported I had made 29 qualifying payments. The documentation I have shows that this is inaccurate, and I have made at least 46 qualifying payments. I asked them to recalculate my number of qualifying payments and they told me on XX/XX/XXXX, " We submitted a request to have a detailed Public Service Loan Forgiveness ( PSLF ) Payment Tracker sent to your email address on file. Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. Please allow up to 70-90 days for your request to be processed. '' I waited the 90 days and had not received any information. I followed up and asked when I should receive the information and they responded on XX/XX/XXXX with a request to allow 70-90 days. I responded to their email and told them the 70-90 day window has already passed and I wasn't anticipating that they would expect me to wait an additional 70-90 days. They responded on XX/XX/XXXX that it was in process but did not provide any information on when I should expect to receive the updated repayment tracking. I responded and asked for a timeframe for when I should expect to receive this information. XXXX XXXX responded on XX/XX/XXXX stating that gathering the information " can sometimes take a great deal of time. '' I requested to have the information by XX/XX/XXXX or I would have to move forward with filing a complaint. I waited an additional two months, hoping they would complete the detailed tracking and to avoid the process of filing a complaint. I still have not received any information from them as of XX/XX/XXXX. If they do not calculate my payments correctly, I will be forced to pay beyond the 120 payments to complete the PSLF program. If I refuse to pay after the 120th payment ( per my calculations ) then I will default on the loan and will no longer qualify for loan forgiveness.
Company Response: Closed with explanation

Timely Response

2018-04-05

Occoquan, VA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I am drowning in student loan debt, and believe there is something wrong with the method in which these student loans trick the young and struggling youth into obtaining these private students loans and don't provide adequate education on them. I was in a difficult situation in my early XXXX and did not have my parent 's financial assistance to attend college. In trying to complete my degree and requiring to pay tuition, I got a private student loan for {$29000.00} and was not made aware of the interest rate or the kind of rate it would be ; or any information on the loan in general. I was sent a check in the mail, and I was not advised of any of the terms of the loan and can't even place where I got the loan, originally. I was not given any education on the repercussions of taking this loan. On my own, and educating myself on how these loans work, I learned that I have a variable interest rate that has fluctuated between 7 and 8 %. At the end of this loan, I'll have paid more than {$80000.00} on a {$29000.00} loan. I firmly believe that I was not properly educated on this loan and I was taken advantage of when I was struggling to make ends meet and trying to get an education with no help. It is ten years later, and I am still struggling to make ends meet, provide for my family, and still no help from the folks of AES. I have done everything I could in these 10 years to ensure I pay the loan on time and have done my absolute best to work with American Education Services ( AES ). I am only told that I've exhausted all of my options when there were only options available made to me when I was still in school and barely able to keep a roof over my head. Within these years, I went through some difficult times outside of my finances. A single parent to a XXXX victim of XXXX XXXX, and losing everything. In getting the advice of a non-profit financial organization, I was only told that the doable option for me was bankruptcy, and even then this private student loan continued to seek payments. I fell into collections, and now my credit was ruined. After several months, the collection agency that AES sent me to was able to offer me 3 months of a payment of {$50.00} while I worked on getting myself back on my feet. Of course, this took longer but the collection agency was only able to offer me an additional 3 months of a {$50.00} payment with continued negative reporting on my credit and continued growing balance. This was not helpful in a situation where I tried to work with them, and I could not obtain any relief from this in bankruptcy. My only option was to pay the {$50.00} a month payment and get penalized for it anyway. How am I supposed to get myself on my feet when my credit is spoiled and continuous inability to get true help when it is necessary? Since my mother cosigned on this loan without being given any education on this either, they often threaten to pursue her if they can't get the funds from me. My mother is not in a position to assist and is getting older, and I have never been given the opportunity to take her off of this loan, even after years of sending good payments. There is absolutely no end in sight for this loan. I am now a parent, still working very hard to make ends meet, poor credit ( which is an improvement ), 2 years out from a bankruptcy, and limited resources. If I don't pay the monthly payment of nearly {$500.00} a month, AES will hunt for me and continue to ruin the little progress I have made in my finances. There's no opportunity to get ahead in life, when there are predators such as private student loan lenders preying on the young and not properly educate them on what they are getting. Instead, they gauge your earnings on a monthly basis and make a profit off of people like me who just wanted to get an education. I don't think any of this is fair or just. I was not educated or empowered by whomever the loan was with originally. I know I've seen XXXX XXXX 's name on past paperwork, and AES. I just know that AES has been the current organization I speak with. I have no options and no resolve. Just a mountain of bills, and a future student I will want to help with college someday, but literally can not afford to do.
Company Response: Closed with explanation

Timely Response

2018-04-05

Rncho Domingz, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: This complaint concerns XXXX/XXXX. Wanted to payoff {$100000.00} of my student loans, which is not possible through their website payment options. Had to call and press multiple times for wire information ( wire information is not available online ). As a borrower, I am permitted to direct how certain payments are to be applied/allocated to individual loans from the lump sum payment ( to the extent permitted by current federal regulations ). After applying the payment to outstanding interest as required by statute, I wanted one loan paid off completely and the balance applied to the larger, remaining loan. XXXX told me to upload a letter directing payment to my account on XX/XX/XXXX ( which I did ) and then wait 7-10 business days for some acknowledgement by XXXX of receipt of those payment instructions. Business day 10 arrived and I called on XX/XX/XXXX to inquire/confirm receipt of my payment instructions. The new XXXX representative told me they could not comply with those instructions. Instead, they would apply the {$100000.00} in whatever manner they chose, then look at my payment instructions and attempt to follow them ( essentially by undoing their transaction and then reapplying payment ). Fixing their mistake/refusal to follow my payment instructions will then take another 7-10 business days. I have demanded they waive any interest I unnecessarily incurred waiting from XX/XX/XXXX to XX/XX/XXXX for them to acknowledge my payment instructions ( I did so based on their misleading, inaccurate information ) and have further demanded no interest accrue during the 7-10 business days they will take to comply with my actual payment instructions. Given the amount of money involved, their complete inability to function like any other debt servicer is outrageous. XXXX must do better or be made to do so.
Company Response: Closed with explanation

Timely Response

2018-04-05

Charlotte, NC

Incorrect information on your report

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

Account status incorrect
Complaint: account is closed and is still showing on my credit report
Company Response: Closed with explanation

Timely Response

2018-04-05

Lake Balboa, CA

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

2018-04-05

North Hampton, MA

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