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 29
2019-08-01
Onekama, MI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I submitted information to update my REPAYE with Fedloan in XXXX of XXXX for the XXXX year. XXXX took months to complete the review and during that time my account was put in forbearance and interest accrued significantly ( nearly $ 6k ). My income has drastically decreased from the XXXX to XXXX year ( I am currently starting a business and have no income ) and my payments actually went up from the previous year. I called every week to check in on the status of my account and was assured that there was nothing I could do to speed up the process/have the interest taken care of. Long story short, my student loan has increased $ XXXX in interest due to the extremely slow paperwork review process at Fedloan. I consolidated with this company in XXXX and my loan has actually increased by nearly $ 25k ( to $ XXXX ) since that time. I have pleaded and pleaded with this company to help me have the loan decreased or forgiven but have received absolutely no help from them in this regard, besides being advised to be put in a repayment program where the interest keeps accruing despite my on time payments. In this situation, I will never get on top of the loan and it will continue to increase despite on time payments.
Company Response: Closed with non-monetary relief
2019-08-01
Grosse Ile, MI
Written notification about debt
Debt collection: Private student loan debt
Didn't receive notice of right to dispute
Complaint: I went to XXXX XXXX XXXX in XXXX and I think it was in XXXX or XXXX XXXX XXXX school was closed down for federal fraud and there was a process that I could go through to get my debt removed and I went through all that and all my school debt was removed from my credit. About a year later it was all replaced onto my credit I tried to contact and explain this and they have no idea what I was talking about but I had proof at the time on my credit report it said the Department of Education had paid off all my student loans and now it is back on my credit and I am unable to get a mortgage or anything the company is FedLoan Servicing
Company Response: Closed with explanation
2019-08-01
San Angelo, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I was with XXXX XXXX. I work at a XXXX XXXX and applied to get the PSLF plan. While that was processing, I received an email ( XX/XX/XXXX ) from XXXX XXXX stating my IDR is expiring and I need to renew. I submitted my paperwork for renewal and received an email that I was approved for an IDR. I received an email ( XX/XX/XXXX ) that my XXXX payment would be {$320.00}. I received an email on XX/XX/XXXX that my loan was being transferred to Fedloan. The email I received stated that my payment plan would not change. I recieved an email from XXXX XXXX ( XX/XX/XXXX ) that my XXXX bill was due and the amount was XXXX. I paid that as soon as it was available to be paid on the Fed Loan site because I could not pay it on the XXXX XXXX website. I paid XX/XX/XXXX bill through Fed Loan, and it was {$320.00}. I then went to pay XX/XX/XXXX payment, and the amount listed was {$1300.00}. I emailed Fed Loan and was told ( by email on XX/XX/XXXX ) that my IDR was for 4 months and I had to reapply. I went and re-applied, even though I knew I should have been okay. However, the amount owed was not changed and it listed me as late. I was approved for a new IDR, but the payment amount was for {$360.00}. I used the same information ( 1040 ) from XXXX XXXX, but now they want more money. I have repeatedly emailed them and called them to get XX/XX/XXXX payment corrected ( and now XX/XX/XXXX ) and I have requested that my IDR from XXXX XXXX be re-instated because it should have lasted until XX/XX/XXXX. They are effecting my PSLF plan and are going to mess up my credit report.
I have all the emails from XXXX XXXX and Fed Loan, and I have submitted them to Fed Loan.
Company Response: Closed with explanation
2019-08-01
Dealing with your lender or servicer
Student loan: Private student loan
Don't agree with the fees charged
Company Response: Closed with explanation
2019-08-01
Creston, MT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-08-01
San Francisco, CA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Company Response: Closed with explanation
2019-07-31
Coalinga, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: From XXXX to XXXX of XXXX and the months of XXXX and XXXX of XXXX it shows on my credit report I have missing payments as well as the whole year or XXXX nothing is being shown throughout that whole time I was on a forbearance program with federal student loans during that time I was unemployed and I explained that to the representative thats why I went on a special program so I didnt have to make any payments I just want those late payments to be changed because I was never never on any payment with fed loans
Company Response: Closed with explanation
2019-07-31
Pittsford, NY
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
2019-07-31
CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have six different loans with Fedloan servicing, I recently refinanced my home and sent three checks with clear instructions for Fedloan Servicing to apply those three checks to three of my loans ( loans with higher interest rates ). I made a cover letter for each check with clear instructions and also wrote clear instructions on the checks about how to apply the checks. I called their customer service and they said that they'd apply the checks as I requested. However, they just spread the amount among all six loans and left the higher interest loans with higher remaining balances. It's completely against what I had requested. I haven't received any resolutions yet, Please help me resolve this issue.
Company Response: Closed with non-monetary relief
2019-07-31
E Fairfield, VT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-07-31
Harvey, LA
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Company Response: Closed with explanation
2019-07-31
Stkn, CA
Incorrect information on your report
Student loan: Private student loan
Account status incorrect
Company Response: Closed with non-monetary relief
2019-07-30
Wausau, WI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-07-30
Philadelphia, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: My XXXX grant was wrongly converted to a loan within months of graduation from a XXXX prep program. As a result I have finally received notice that I am eligible for reconsideration. I contacted FedLoan servicing immediately on XX/XX/2019. Same day I received the notice. Fedloan Servicing took almost three months to simply certify that I was eligible for reconsideration. Gave me completely inaccurate timelines each step of the way. They finally certified that I was eligible, certified that I had fulfilled my service obligation, and that they full {$4000.00} balance of my grant was due back to me plus interest paid since it was converted. It is now nearly XXXX and almost seven months later Fedloan servicing has not returned my money or followed through on a timeline to complete the process. Meanwhile they have consistently indicated that they do not have accurate documentation of my loans, calling into question the legitimacy of all other documentation. They have told me that my loan was being " rebuilt '' ... for that last seven months ... because it was processed by another servicer. At no point did they tell me who that was. Because my loans have always been serviced by Fedloan Servicing. At one point someone in their public relations department told me that my loan was serviced by XXXX. I have no knowledge of this ever happening, and XXXX does not either. At this point I need to secure my {$4000.00} plus interest in a timely manner. After nearly 40 calls to their customer support lines this is still unresolved and there is no clear timeline from them. I would like to consider legal action for the balance due back to me, as well as the time spent attempting to obtain it, plus interest. I would also like to audit all other documentation from them to verify whether it is accurate and whether they owe me back any additional money. My full student loan balances are paid off, so this is money due directly back to me. Your consultation is greatly appreciated.
Company Response: Closed with monetary relief
2019-07-30
MI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I am asking for an updated qualifying payment count regarding my federal loans under the Public Service Loan Forgiveness program.
My counts are off considerably.
Thank you
Company Response: Closed with non-monetary relief
2019-07-30
Tucson, AZ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have two student loans with fedloan servicing.
One loan is a direct unsubsidized of XXXX, XXXX and the other loan is a direct subsidized of XXXX, XXXX On Monday XX/XX/2019 I called to pay off my direct subsidized loan of XXXX, XXXX. I spoke to XXXX ID # XXXX. My confirmation number for my payment is XXXX. I made it clear to XXXX I wanted to pay off my direct subsidized loan of XXXX, XXXX. He said he understood. He told me it would take 2-3 business days to process.
On Wednesday XX/XX/2019 I checked my online fedloan servicing account and the account said I owed XXXX, XXXX on my unsubsidized loan and XXXX, XXXX on my subsidized loan. This is not what I wanted. I wanted to pay off my subsidized loan of XXXX, XXXX and just have one student loan ; my unsubsidized loan of XXXX, XXXX I called fedloan servicing one again On On Wednesday XX/XX/2019 I spoke with XXXX ID # XXXX. I informed her of my payment on Monday and informed her I wanted to pay off my subsidized loan. She said she would reapply the payment. She informed me this would take 2-3 business days to process.
On Friday XX/XX/2019 I checked my fedloan servicing online account and it said I owed XXXX, XXXX on my unsubsidized loan and XXXX, XXXX on my subsidized loan. I call fedloan servicing on Friday XX/XX/2019 I spoke with XXXX ID # XXXX. I informed her this was my third time calling. She said she would take care of the issue. I specifically informed her I wanted to pay off my loan of XXXX, XXXX which was my subsidized loan. I informed her I only wanted one loan of XXXX, XXXX which is my unsubsidized loan. She said she would take care of the issue. She informed me if would take 2-3 business days to process.
On Tuesday XX/XX/2019 I checked my fedloan severing online account and it said I owed XXXX, XXXX on my unsubsidized loan and XXXX, XXXX on my subsidized loan. I call fedloan servicing on Tuesday XX/XX/2019 I spoke with XXXX ID # XXXX. This is the 4th time I call and waste my time. I informed XXXX the issue. He now informed me it would take 15 days to resolve the issue.
I am not sure what fedloan servicing is trying to do with my loans. I have called 4 times and the problem is not yet resolved.
It is easy On XX/XX/2019 I wanted to pay off my direct subsidized loan of XXXX, XXXX This did not happen.
I will never ever go back to college and get a student loan again.
BEWARE OF FEDLOAN SERVICING
Company Response: Closed with explanation
2019-07-30
Providence, RI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I am utilizing fedloan servicing for Public Service Loan Forgiveness. I have direct federal loans. I attended XXXX XXXX College ( XXXX, RI ) and XXXX University and took out both federal and state loans. After graduating from XXXX in XX/XX/XXXX I began the usual deferment and consolidated my loans to federal loans in order to take advantage of the Federal Service Loan Forgiveness Program. From what I remember my loans were originally controlled by XXXX, from there they were transferred to XXXX, and then finally in early XXXX to Fedloan Servicing.
My entire experience with all 3 companies has been horrible. I have many complaints, however, I will focus on the two most pressing and damaging to my ability to have my loans forgiven in a fair and timely manner, as is my right under this program.
1st complaint : All 3 companies have created issues that had to result in deferment of my loans when processing my income based repayment plant ( IBR ) and when my loans were transferred between companies. To no fault of my own ( delayed processing, errors in processing - ie. using my wife 's income even though I file separately ) I have had to defer my loans for weeks or months at a time. This resulted in increased loan balances due to accrued interest and an inability for me to work towards my 120 payments. Since working with Fedloan Servicing, every single year I have had to have a deferment of a month or so in order for them to properly process my annual IBR application. I have tried everything imaginable to make sure it is processed correctly the first time, however their level of incompetence is incredible.
2nd complaint : Qualifying payments. I began working for XXXX XXXX in XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX - XXXX XXXX ). I resigned from XXXX and joined the XXXX XXXX XXXX in XXXX of XXXX. I submitted my proof of employment to Fedloan servicing for my time spent working for XXXX XXXX. I worked for XXXX for 3 years. However, Fedloan Servicing claimed that I only made 14 qualifying payments during that time. This is utterly untrue. It is possible that due to the deferments, mentioned in complaint 1, that I did not have a full 36 payments, but I certainly had many more than 14. I contacted Fedloan Servicing about this issue numerous times ( starting in XX/XX/XXXX/XX/XX/XXXX when I first received the letter explaining that I only had 14 qualifying payments ) but I never received any explanation. At first they stated that they had no loan history from me from XXXX ( allegedly XXXX did not make them aware of my time with XXXX when they transferred my loans ). Fedloan Servicing stated that they would look into this but never got back to me. I have inquired about the investigation and they have stated that it is ongoing. It has been years at this point and I have still not been able to get to the bottom of this.
I am hoping that with your help these problems can be rectified. As I am sure you are aware, Fedloan Servicing has been in the national news lately regarding matters listed above.
Thank You, XXXX XXXX
Company Response: Closed with non-monetary relief
2019-07-30
Providence, RI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I currently have a Fedloan that I began to pay on as of XX/XX/2016. The payments are never decreasing. I originally took the loan out for {$27000.00} and it then totaled {$50000.00} due to interest which is absolutely crazy and they never told me it would come out to that much interest. Secondly, I am in this Public Service Loan Forgiveness Program which after 120 qualifying payments they are to forgive the rest. Well, every time I make payments and ask they never go towards the qualifying payment but yet never have an answer of what QUALIFIES for the payments. And the topping on the cake is that lately for the past three months, they have been cashing the checks with all the wrong amounts. The payment is XXXX. This past month they only cashed the check for XXXX dollars when the check was written for XXXX dollars and it was written in three areas. They then charged me a late fee because they stated that I only sent the check for XXXX which I have the check in my bank statement for XXXX. They charged me XXXX after and stated I was late. The month before that they cashed a check for XXXX luckily I had enough in my account for that when the check clearly stated XXXX I called them multiple times on this matter also and they have no response just that they messed up but surprisingly I still owe the money like its my fault. Then the previous month before that I used my debit account well AFTER the payment was late they notified me a week later that the payment never went threw even though I wasn't late on the payment and they never told me the payment never went threw. I am very dissatisfied. The people working there never know anything, it is so frustrating meanwhile, I am the ONLY one probably paying these loans and they give me a hard time. Please tell me you can do something for me because what they are doing is wrong! And I need someone to get this right! Thank you. Please email me back at XXXX or call me at XXXX XXXX XXXX Thank you
Company Response: Closed with non-monetary relief
2019-07-30
Arlington, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-07-29
Alachua, FL
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
2019-07-29
South Florida, FL
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Complaint: Im in good standings with my loan from fed loands i never missed a payment, i called in whenever i try to make payment arrangements,, please erase late marks from my credit report
Company Response: Closed with non-monetary relief
2019-07-29
Stroudsburg, PA
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
2019-07-29
Berthoud, CO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-07-29
Birmingham, AL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I currently have about {$250000.00} from undergraduate and medical school in direct student loans serviced through FedLoan Servicing. My student loans were transferred to FedLoan Servicing in XX/XX/XXXX after I submitted documentation and certification for the Public Student Loan Forgiveness program. I have been making qualifying payments for this program every month since XX/XX/XXXX while working under federal non-profit 501c3 entities. This program requires 120 payments after which remaining student loan debt is forgiven. In order to assess progress, an accurate payment count is essential. FedLoan Servicing has been in the process of calculating my payment count since XX/XX/XXXX. I have called multiple times to check on the state of the payment count in the last year and have been repeatedly told that the process " just takes time. '' They can not give me any reasonable estimate of when the payment count will be counted. Their website lists 7 qualifying payments. By my record, I have made at least 60 qualifying monthly payments. In the meantime, I continue to make significant monthly payments in the hope that the FedLoan will eventually straighten my account out. After over a year of waiting, I would like to submit a formal complaint regarding the poorly efficient, inaccurate and incomplete customer service that FedLoan Servicing is providing to borrowers.
Company Response: Closed with explanation
2019-07-29
Andersontown, PA
Written notification about debt
Debt collection: Federal student loan debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation