AES-PHEAA

2018-04-05

Glendale, CO

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Complaint: American Education Services provided me with a health access loan in XX/XX/2007 for my first year of XXXX XXXX XXXX XXXX school ( I was ineligible for federal loans at the time because I had already completed a 4 year XXXX degree and the first year of XXXX school was considered an XXXX year - This is another complaint I have and feel is unlawful. However, I will file separately for that complaint ). After graduation, I was hit with astronomical amount of monthly student loan debt payments from both my Federal loans and from my private loan from AES ; totaling upwards of $ 2500/month. I was unable to afford these payments and contacted AES multiple times asking for assistance in lowering my payments. I was told that there was nothing I could do about my payments because this was a private loan and not a federal loan. Because of this, I struggled for months to make payments and accrued many late fees. Finally after months of struggling and multiple calls to AES, I was able to lower my monthly payments by enrolling in a longer payoff term of 25 years. Since then, I have been making on time payments to AES until I went on XXXX leave and was not getting paid. I asked for hardship or something to delay my payments for a few months. AES, again was not helpful and provided me no information or option on how to avoid late fees and credit reporting on monthly payments I was unable to make due to XXXX leave. Since XXXX leave over 4 years ago now, I have made on time payments. However, the 2 months of missed payments from my XXXX leave still negatively affect my credit score in a significant way. Additionally, this loan was taken out as a joint loan with my mother as a cosigner. I was devastated by the fact that my moms credit would also be negatively affected. I contacted AES in hopes of relieving my mom from any financial responsibility and negative credit effects of this loan. I was told there was nothing I could do and this was after several years of on time payments after my late payments during XXXX leave. Finally, I am now ineligible for interest rate deductions due to late payments at the beginning of my repayment terms ( when I had multiple issues with obtaining help form AES ) even though I have made on time payments for 99 percent of my repayment tern thus far. My interest rate is variable and continues to rise. Over the last 6 years, I have paid {$21000.00} in interest and a mere XXXX on principle. I feel that AES with held information from me on how to attain lower monthly payments and steered me toward paying more than I had to on my loans, causing me to default my loan and making me ineligible for any interest rate deductions.. I also feel AES, withheld pertinent information of how to defer payments during a hardship, affecting my credit in a negative manner. Finally, I feel that AES withheld information on how to release a cosigner from responsibility of my loan, which has now affected my mothers credit in a negative way.
Company Response: Closed with explanation

Timely Response

2018-04-05

Easton, 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

2018-04-05

FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: My total loans were $ 71K+ subsidized and unsubsidized at a fixed rate of 6.8 % - I was on 1 year Economic hardship forbearance since last spring Until XX/XX/2018 I was informed I was going to be billed > $ 26K of accrued interest - which If I didn't pay it would be added to my loan balance. I am at 6.8 % - that should have been an increase of less than or around $ 5k and now my loan is {$98000.00} - From $ XXXX - 1 year accrued interest that is supposed to be at 6.8 % and they charged and added > $ 26K to my loan balance. I wrote them and emailed from their site and I have heard nothing. I used XXXX XXXX 's website and looked at there " understanding your interest '' section - below is copied directly from XXXX XXXX 's page about how to figure your interest accrual : " How To Calculate Interest To calculate your daily interest accrual, use the following formula : Interest rate current principal balance number of days in the year = daily interest '' So, my fixed rate multiplied by the loan total since last payment : 6.8 % * {$71000.00} / 365 = {$13.00} daily interest -That is the daily interest accrual for my loan. My interest accrual of course would have been the entire 365 days while on hardship - which comes out to {$4800.00}. They added > {$26000.00} of " accrued interest '' to my loan. That is an increase that equals >32.62 % of my entire loan value. They have not responded to my email questioning it. Please help.
Company Response: Closed with explanation

Timely Response

2018-04-05

Halyoke, 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

2018-04-05

Glenn Heights, TX

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

Timely Response

2018-04-04

MA

Incorrect information on your report

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

Account information incorrect
Complaint: Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN! Please help me get these off my credit report. Someone said that if they don't have the fake loan paperwork then it has to come off my credit? Also, my dad co-signed and he is a retired XXXX veteran with a XXXX XXXX XXXX XXXX rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX XXXX awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration. What should I do to get this resolved? Thank you so much, XXXX
Company Response: Closed with explanation

Timely Response

2018-04-04

Kotzebue, AK

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

Timely Response

2018-04-04

Scottsdale, AZ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: XXXX has not reviewed the recertification documentation I have submitted and has removed me from my income driven repayment plan. XX/XX/XXXX - I received a letter stating that it was time to submit my PAYE recertification/income documentation by XX/XX/XXXX. XX/XX/XXXX - I submitted the PAYE application with documentation of my current income. XX/XX/XXXX - Received a letter from XXXX stating that my application had been denied because it was submitted too early. XX/XX/XXXX or XX/XX/XXXX - Called XXXX and the loan counselor said that my application should be reprocessed within 48 hours. XX/XX/XXXX - Received a letter from XXXX with instructions on how to complete the PAYE application. XX/XX/XXXX - Emailed XXXX concerning issues with my account. Have not received a response. XX/XX/XXXX - Completed second PAYE application and submitted to XXXX. Gave permission for IRS to transfer tax information to XXXX. XX/XX/XXXX - Received a letter from XXXX stating that my application had been denied because it was submitted too early. XX/XX/XXXX - Submitted additional paperwork to XXXX asking that they recalculate my payment early based on the tax information provided on XX/XX/XXXX. XX/XX/XXXX - Received 3 notices that my PAYE plan was ending and income documentation needed to be submitted by XX/XX/XXXX. XX/XX/XXXX - Contacted XXXX via phone. Spoke with following representatives : XXXX XXXX, XXXX XXXX, XXXX XXXX. I was informed for the first time that I had multiple recertification dates. I was informed that I had submitted all appropriate applications and documentation. I was told that there wasn't any missing information or paperwork. Informed that my recertification request for PAYE would be expedited within next 48 hours. I was told that I would receive a letter stating my continued eligibility on PAYE and new payment information based on my income by the end of the week. XX/XX/XXXX - Received another set of instructions on how to complete the PAYE application from XXXX. XX/XX/XXXX - Filed a complaint with the Federal Student Loan Ombudsman. Sent a second email to XXXX updating them on account issues and informing them of my complaint with FSLO - no response from XXXX to date. XX/XX/XXXX - Contacted XXXX via phone. Spoke with the following representatives : XXXX XXXX and XXXX XXXX. XXXX identified himself as a supervisor. He noted that I had completed the appropriate application and submitted my income information. He informed me that he would request my application be processed the following day ( XXXX ). He said he provided explicit instructions to keep me on PAYE, make sure all loans have same recertification date, and to recalculate my payment based on my most recent income. I shared concern that due to XXXX processing errors, my payment has jumped from approximately {$200.00} per month to almost {$900.00} per month. He said that I could request a forbearance and complete an override request that would take at least 90 days to complete. During that time, my loan payments would technically be overdue. I was not comfortable with this and asked that I not be put on forbearance. He said that if I paid the full amount this month, he could submit an override for a refund of any over payment I make this month. He also stated that he would file an internal complaint with XXXX on my behalf. At the end of the conversation I summarized what we had agreed to and XXXX agreed to the following : my loans would all be put on the same recertification date, remain on PAYE plan, new payment calculated based on income submitted through IRS documentation, I would pay the full amount due for XX/XX/XXXX, an override would be submitted to determine refund owed for overpayment in XX/XX/XXXX, and a complaint would be filed with XXXX. XX/XX/XXXX - Received 3 letters from XXXX stating that I provided incomplete income and family size information. The letters stated that I would remain on PAYE, but my payment would not be based on my income or family size. XX/XX/XXXX - Called XXXX via phone. Spoke with the following representatives : XXXX XXXX. Was informed that it was too late to talk to a supervisor. I informed them that I would be filing a complaint with CFPB and my representatives. I was encouraged to do so and to try calling back earlier.
Company Response: Closed with monetary relief

Timely Response

2018-04-04

Dallas, 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

2018-04-04

Wasilla, AK

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

Timely Response

2018-04-04

Marietta, GA

Incorrect information on your report

Student loan: Federal student loan servicing

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

Timely Response

2018-04-04

Woburn, 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

Timely Response

2018-04-04

CA

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive notice of right to dispute
Complaint: I have my student loan with XXXX XXXX. This is because of the PSLF program. XXXX has been taking unauthorized actions on my account without providing proper notice. XXXX placed my account on forbearance without informing me or obtaining my consent, leading to a decrease in the number of payments applicable to my PSLF credit. Further, XXXX has not kept accurate records of my payments. XXXX does not inform me when it takes actions on my loan, or obtain my permission before placing me on different payment plans or notify me of account changes. Since XXXX is the only provider that administers PSLF, their actions are unfair and discriminatory. If this complaint is not resolved, I am unafraid of taking legal action against XXXX, CFPB and the Ombudsman if necessary to ensure my loan is properly administered.
Company Response: Closed with explanation

Timely Response

2018-04-04

Chicago, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have experienced several issues on the part of XXXX XXXX mishandling my loans. I apologize for the length of this statement and thank you in advance for taking the time to hear my story. I am reporting two overarching issues. Of relevance, I am currently under the Public Service Loan Forgiveness ( PSLF ) program. 1 ) Miscounting of qualifying payments : My loans were being serviced by XXXX until XX/XX/XXXX, at which time they were transferred to the care of XXXX. Subsequently, XXXX has miscounted the number of qualifying payments I made towards PSLF during my time with XXXX. Per the records on XXXX, I had made 31 qualifying payments towards my 20 cumulative student loans prior to the transfer to XXXX. My account on XXXX indicates a wide range of qualifying payments made under XXXX ranging from 1 to 21. Not only is this an error but impossible, as I was making lump-sum payments to all my loans on a monthly basis via auto-debit. My billing statements reflect that those monthly payments were being applied across all of my loans. I called XXXX on XX/XX/XXXX to inform them of this discrepancy, and was told this error is common and would be resolved in 30-45 business days. I have called several times since that 45 day window closed and have repeatedly been told it is being worked on and to keep waiting. I have also offered to forward my payment history to customer service and been told this is not necessary, that they have all the information they need. As of my billing statement issued on XX/XX/XXXX, this issue has still not been resolved. As of my most recently submitted and verified employment certification form, I should have 43 qualifying payments made towards all of my loans with the exception of two that were recently consolidated ( those two were consolidated and disbursed XX/XX/XXXX, and I do not include these as part of the issues detailed above ). 2 ) Switching from Income Based Repayment ( IBR ) to Revised Pay-as-you-Earn ( REPAYE ) plans : On XX/XX/XXXX I was informed my request to switch from IBR to REPAYE had been approved, and my first payment under REPAYE would be due XX/XX/XXXX in the amount of {$1800.00}. This same piece of correspondence indicated my loans were placed in forbearance as part of this process and that I would not be responsible for making this payment. On XX/XX/XXXX I received correspondence indicating that I was responsible for making an interest payment in the amount of {$3700.00}, but that I could opt out of this payment and instead the interest would automatically capitalize. I called XXXX customer service to confirm I would not be penalized if I chose not to make this payment. On that call I was told I needed to either pay the due interest in full or opt for a minimum forbearance payment of {$5.00} in order for my REPAYE plan to activate. I chose to pay the {$5.00} minimum ( payment posted XX/XX/XXXX ), and was assured my auto-debit payments would proceed as normal for the next bill due on XX/XX/XXXX. My account details reflect that after my {$5.00} payment my interest subsequently capitalized as expected. I then proceeded to make my payment of {$1800.00}, payment posted XX/XX/XXXX. However, on XX/XX/XXXX I received correspondence that XXXX had received and processed a forbearance request applicable to date range of XXXX. I had not requested this forbearance, and called XXXX customer service to inquire why this forbearance was placed on my account. I was told that my payment from XX/XX/XXXX had been misallocated towards payments that were being flagged as overdue. On this call ( XX/XX/XXXX ) I was assured that I did not actually have any past due payments, and that this was an artifact/clerical error during the transition from IBR to REPAYE. The actual overdue amount in question has varied over the past month, seeming to change after every call to customer service, but never going away entirely. My online account currently indicates an overdue amount of {$490.00}, I received a past due notification on XX/XX/XXXX stating the amount in question is {$420.00}, while my most recent e-billing statement dated XX/XX/XXXX indicates that the amount overdue is {$430.00}. Customer service has assured me multiple times on multiple calls that all of these amounts are errors and should be wiped from my account. I had also been assured that my XX/XX/XXXX payment would be re-assigned to my loans as intended to qualify towards PSLF, and that the forbearance would be lifted from my account. Subsequently, the forbearance was lifted on my account but I still have 13 of my 22 loans flagged as delinquent and overdue for payment. On XX/XX/XXXX I called customer service to inquire why I was still being flagged as overdue for payments. I was told on this call that while my XX/XX/XXXX payment had been reassigned towards PSLF as promised, the past due amount was never actually flagged for removal. Due to the error, I was promised that this issue would be resolved and the overdue payments would be eradicated within 48 hours. On XX/XX/XXXX I called customer service after the 48 hour window had closed to confirm the issue had been resolved. On this call I was told that the error was inappropriately flagged by the previous customer service representative and that I should wait another 48 hours to see the issue resolved. At this point, I have lost any trust that customer service will actually do what they say they will do, and am reaching out for assistance. I thank you again for taking the time to hear my concerns, and appreciate any assistance you can provide in resolving these issues.
Company Response: Closed with explanation

Timely Response

2018-04-04

Unity Plaza, CT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Back in XX/XX/XXXX my student loan was up for recertification with the income base program. I send the documents requested and they send back and told me they need more information. I send my tax return as requested. I did send the required deadlines however XXXX decided to charge me full scale rate despite I am in the income base program. I am making my regular payment as my plan suggested however XXXX is charging me one month payment of XXXX for the month of XX/XX/XXXX. I expressed to XXXX on several occasions that I can not afford that payment but yet they still threaten me to revoke me from the income base program. My credit is now affected because of XXXX despite I am marking the payment I am requested to pay. When I complain about the huge payment I was told that I have to pay that large payment for that month. I asked why wasnt the payment be on hold due to my paperwork in progress and I was told by one worker that they dont know why it was not forbear but I have to still make the payment. I am at my breaking point with XXXX at this moment and I need your help to handle this matter. Thank you, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-04-03

Dayton, WY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: In XX/XX/XXXX and XX/XX/2017 I was told that as a XXXX I qualified for loan forgiveness. Either I called them or they called me, but I was told that I would be forgiven over {$7000.00} if I enrolled in this program. So they guided me through to help me get signed up, I believe that the company was federal student help? They told me that it was an income driven repayment plan, but they assured me several times that my payments would never change. I asked several times to make sure that this was the case and they assured me that that was how the forgiveness worked, pay them for ten years and the government forgave what was not paid after that time period. at the end of the ordeal I was promised payments of {$62.00} for the next ten years. I was seriously misled. and I have paid way more in stupid extra fees than I ever would have otherwise.
Company Response: Closed with explanation

Timely Response

2018-04-03

IA

Incorrect information on your report

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

Account information incorrect
Complaint: I had 17 loans with XXXX XXXX, I now have 2 loans which are consolidated. In XX/XX/XXXX they reported to my credit report that I was 90 days past due, since the loans had not been consolidated at that point it did not just report it once but 17 times. My loans had a forbearance from XX/XX/XXXX-XX/XX/XXXX, I never received a bill from them to prompt me to pay anything and every attempt that I have made to get them to correct my credit report comes back, with them saying that it is correct and they do not have to correct because a forbearance does not stop it from being considered late if you look at the 2 previous months on my credit report they reported that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all paid as agreed and then in XX/XX/XXXX reported that it was 90 days past due, if it was 90 days past due then I would not have been able to have been as agreed in the 3 months prior to it. The loans have since been consolidated and are on a payment plan where it has not shown a missed payment since, they are unjustly leaving these on my credit report even though my loan was in forbearance in order to prevent me from obtaining other credit.
Company Response: Closed with explanation

Timely Response

2018-04-03

N Hollywood, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: This letter is to formally put XXXX on notice. I have as of today XX/XX/2018 at XXXX, Paid off in full my student loan in the amount of {$29000.00}. You are owed not XXXX XXXX more. Any interest acrrued from XXXX will be credited back to me. You pieces of XXXX you in ( ) 's I believe charged me an Additional {$38.00} in interest on the {$5200.00}. XXXX I just paid. I get that back, as you assured The Consumer Financial Proctection Bureau that no additional interest had been accrued and you tacked that amount on my total Payoff you piece of XXXX. If you don't think I know you are wrong when the payment went from $ XXXX.and some change, to {$29000.00} to {$29000.00} in a matter of seconds. You charged me additional interest on top of interest. I do get that money back you XXXX.. Also, for the next 30 days until I have that written confirmation in my hand your XXXX is mine. I will ride you till this is done and you will not charge me XXXX XXXX more!!!!!! I expect this to go smoothly and if it doesn't expect me to have you in court so fast ... Even if it's over XXXX cents!!!! I hate you with such a passion it will be my pleasure to watch you squirm.. I expect my payment to be processed in full by tomorrow. I will be monitoring my account everyday and I expect a XXXX amount shown.. If you charge me even XXXX XXXX you can go XXXX yourselves.. The government has been paid in full and you are to get the XXXX out of my life!!!! My final words to you!!!! Go XXXX yourself XXXX I mean XXXX ... Free at last!!! I am free at last!!!! Thank Gd almighty I am free at last!!!! XXXX YOU in the biggest term of the sense!!!!! XXXX you XXXX you XXXX you XXXX you XXXX you XXXX you XXXX you!!!!!!
Company Response: Closed with explanation

Timely Response

2018-04-03

San Angelo, TX

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I have had a number of issues dealing with XXXX XXXX in repaying student loans. The problems began when my balance was transferred from my original lender, XXXX, to XXXX : I was not provided notice of this transfer until after the fact, and two of my monthly payments went to the original lender, which was very difficult to get corrected. More importantly, once it came time to recertify for the IDR, which I was enrolled in through XXXX, I encountered one issue after another with XXXX. The deadline had passed due to issues on XXXX 's end, being unable to process requests due to high volume at that time. When the recertification request finally was processed, it was denied ; the reason stated on the website was that certain documentation was missing. I submitted the documentation and the request was denied again. In attempting to resolve these issues, I had multiple calls with XXXX reps, all of whom were unhelpful. My IDR request was finally " approved, '' but with an increased monthly payment ( from {$86.00} to {$320.00} ), even though my total household income and dependent information hadn't changed between XXXX and XXXX. This issue necessitated additional calls to XXXX reps ; again, none of which were helpful, and ultimately I was told that XXXX had no way of determining why my payments had increased so drastically. According to XXXX, because the initial payment amount of {$86.00} was set up through XXXX, XXXX has no record of the original IDR calculation and no way of obtaining it. This left me with no choice but to request forbearance for the maximum time period, which has now passed and left me with an absurdly-increased monthly bill that I can not afford.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-03

Chapel Hill, NC

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

2018-04-03

Bremen, GA

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: I ( mistakenly ) co-signed on a student loan for one of my sons over 15 years ago. That loan was picked up by " American Education Services '' ( AES ) in XXXX, PA. He stopped paying on that loan nearly 10 years ago ( due to medical and emotional problems ) and I have been paying on it since then. For the past 6 years my son has ceased all communication with me and others in our family. He has moved in and out of state and today I am not sure where he is and have no way to contact him. For the past 2 years I keep getting e-mails and letters from AES advising me that " the address and/or telephone number we have on file ... '' for my son " ... is incorrect. '' I have communicated to AES by e-mail, written letter, and phone call that I do not know my son 's contact info and do not expect to have that information again and to stop harassing me about this matter. They assure me that they will update the account so that I do not continue to receive these notices. THAT WAS A LIE as I continue to receive both e-mail and postal mail notices about this matter!!
Company Response: Closed with explanation

Timely Response

2018-04-03

Orion Twp, MI

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 recently had my loans switched from XXXX to XXXX XXXX XXXX. This switch is due to me working for a non-profit organization and working towards the public loan forgiveness. Upon verification of my employment, I received a letter from the XXXX XXXX XXXX dated for XX/XX/XXXX. This letter provided information stating that I qualified to participate in the forgiveness program and they'd be contacting my current Loan provider for a transfer of my loans. Throughout this process there was no communication from the company. I would try to call, and would be on hold for anywhere between 10-30 minutes, and still not receive a response. I did not have time to wait longer than 10 minutes due to my work schedule, and their hours of availability. A few days before my XX/XX/XXXX payment to XXXX was due, the loans were transferred and I was unable to make that month 's payment. I sent an online question to the XXXX XXXX to request an update and how to make a payment, and did not receive a response. I never received anything in the mail and/or e-mail. I continued to check my XXXX XXXX account online and it had no information. I sent 2 messages in XX/XX/XXXX with a general response of " thank you for contacting us. In response we wanted to share what others found useful ''. But did not receive an actual response until XX/XX/XXXX " welcoming '' me to XXXX XXXX. At that time, I logged into my account again, to find my account to be delinquent, at an interest rate of 6.25 % instead of 6 % ( which it should be for direct deposit ), with an unpaid interest amount of {$260.00}. The amount also shows that my payment is past due by 18 days, and that it could be reported to credit agencies. At that time, I review the paperless inbox, which has 3 letters, all dated for XX/XX/XXXX. One is welcoming me to the program, one is asking for me to pay my past due amount, and how my privacy is protected. I tried to call them, again, and the recording said I may have to wait for 10-15 minutes for a response, and I was on-hold for 25+ minutes. Now, due to this companies lack of communication, poor customer service, and lack of ethics, I am now behind in payments almost a month, have an interest rate that is inaccurate, is charging me for not paying my bill ( which I was never informed how to do so during this transfer process ), and could never get a hold of anyone to help me. Please help me address and resolve this issue. Due to this organizations practices, why am I, and others like me, being charged instead of being allowed to pay our bills. For all I know, they may have sent me something in the mail that got lost, and wouldn't know it because they never answered their phones/e-mails. In my opinion, the unpaid interest should be waived, my account should be put back into good standing, and interest should not be started until today. I am looking forward to your assistance and response. Please contact me by XX/XX/XXXX Thank you, XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-04-03

Los Indios, TX

Threatened to contact someone or share information improperly

Debt collection: Private student loan debt

Talked to a third-party about your debt
Complaint: I have attached details and the letters I am sending today in a final attempt to settle this issue. I have spoken to agents on multiple occasions and I did ask them to stop calling and send me written communications. They are now calling me with unknown numbers and have done so 3 times. Now this weekend over XX/XX/XXXX break they contacted my ex-wife and discussed the issue with her prior to speaking with her father the co-signer. I will submit a notarized and signed affidavit from her if requested. Lastly XXXX XXXX is the 4th agency trying to collect on this debt within the past 10-12 months and XXXX XXXX XXXX ( XXXX ) continues to fail to produce evidence they own the debt, and they illegally collect {$1400.00} from me as " good faith payments '' on a debt that had not yet been validated.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-03

Jacksonville, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: I have documentation where I made several attempts to defer a student loan payments. I spoke with several representation from the company that inform me what application forms to complete. I did the application process as instructed and response was denied or we need more information. Every response was met with diligence and care .. yet I kept being denied. The loan was then sent to a creditor the called and harassed me, my son, my father and sister, when I have made all attempts to resolve the issue. The name of the company : American Education Services
Company Response: Closed with explanation

Timely Response

2018-04-02

Key Biscayne, FL

Incorrect information on your report

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

Account status incorrect
Complaint: Denied credit line from XXXX XXXX due to delinquent student loan report on credit report. Contacted XXXX since I had been paying on my account and filed a dispute with XXXX. XXXX informed me that they did not report to the bureaus as my account was not in default. I then received a forbearance. Dispute from credit bureau stated info correct. Contacted XXXX again where they verified the loan was not in default and had not been reported to the credit bureaus. Sent a letter that states as much. Filing another dispute with crwdit bureaus with documentation attached. Contacting this agency with concerns the reporting is obviously fraudulent. I believe local law enforcement agencies and XXXX County School District depts. responsible for fraudulent reporting as means of retaliation for grievances, complaints, and EEOC claims of bullying, harassment, discrimination, and retaliation.
Company Response: Closed with explanation

Timely Response