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 32
2019-07-21
CT
False statements or representation
Debt collection: Federal student loan debt
Attempted to collect wrong amount
Complaint: I have recently applied and have been approved for a debt consolidation through my student loan lender, FedLoan Servicing as I was having difficulties making the minimum monthly payment of approximately {$500.00}, and had determined that the consolidation would reduce my total monthly payment. The initial call I had made to FedLoan Servicing for help with my monthly payments was on or around XX/XX/2019, at which time the gentleman I spoke with said my past due debt with FedLoan Servicing, which was only 30 days past due and totaled about {$700.00} at that time, would be put into an emergency forbearance while the application was being processed and no further payments would be required until the application review was complete. Please note that the balance owned was considered past due despite my good faith efforts to make payments in XXXX and XXXX for {$100.00} and {$400.00}, respectively, which was as much as I can afford, albeit not the {$500.00} they were looking for. However, I had to call FedLoan Servicing back 4 additional times between the initial call on XX/XX/XXXX through early XXXX as I continued to receive collection notices for the outstanding balance. Each time I spoke with a rep they apologized and stated that the outstanding amounts should have been placed into forbearance but for some reason ( that they couldn't ever explain ), that was effective XX/XX/2019. Each time they would 'correct ' the issue to retroact back to my initial call in XXXX, and within a week I would receive another notice looking for payment and go through the whole process again. The consolidation was finally approved on XX/XX/2019. However, all of the individual student loans which are included in the consolidation were erroneously adversely reported to the credit reporting agencies by FedLoan Servicing as 'adverse accounts '. Each of these loan payments have been included in my consolidation, which is current. I have included an overview of my account with FedLoan Servicing for you to review. I need to have the erroneous multiple adverse entries for FedLoan Servicing removed from my credit report as this information is not correct. How can these be considered adverse if they are showing as 'paid in full ' and part of the consolidation per my FedLoan Servicing account overview? This 'error ' has caused my credit score to drop dramatically and I need to have this corrected as soon as possible.
Company Response: Closed with non-monetary relief
2019-07-21
Brooklyn, NY
Credit monitoring or identity theft protection services
Student loan: Federal student loan servicing
Billing dispute for services
Complaint: My student loans are being repaid based on income and my payments are {$0.00}. It has been this way for the last three months, however my credit score dropped close to 100 points stating that a payment was missed which is inaccurate. I contacted Fed loans and they sent me a link to file a complaint here to have it corrected. I am currently homeless in a shelter and in order to get housing they look at my credit score. I need this corrected as its not only me depending on my housing application being approved I have XXXX children under the age of XXXX years old.
Company Response: Closed with explanation
2019-07-21
Discovery Bay, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Company Response: Closed with explanation
2019-07-20
Anaheim, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: Recently, I began suspecting that I was a victim of a fraudulent loan after I noticed that since XX/XX/2013 when I began repaying my loan not a single XXXX of my payment went to the principal. I'm on the Income-Based program so my monthly payments changes consistently since my income has also been changing since.
I emailed Fedloan Servicing, which is my servicing loan company, to get a clarification as to why every single monthly payment that I've made since has gone straight to interest. I emailed them about a month ago or so and up to now I have not received any response. I emailed them because I wanted to get their response documented.
I feel that I'm being set up so I'll never pay off my loan and I'll be in debt for the rest of my life or even beyond. I've struggled making my payments so I've found myself deferring my payments a couple of times. And, since my loan balance is high, the interest that I accumulates and capitalizes is very high. So, since not a single XXXX of my payments have gone to the principal my debt keeps getting higher and higher. Please help!
Company Response: Closed with explanation
2019-07-20
Library, PA
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: XXXX XXXX XXXX is reporting that it is late. Balance is reporting {$920.00} and the balance is currently is {$580.00}. I dispute it multiple time with XXXX
Company Response: Closed with non-monetary relief
2019-07-19
Charlotte, NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have been on forbearance since XX/XX/XXXX which lasts until this XX/XX/XXXX My account should have not continued to be reported late
Company Response: Closed with explanation
2019-07-19
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-07-19
Raleigh, NC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-07-18
Magnolia, 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
Complaint: As of XX/XX/XXXX Fed Loan Servicing updated my credit report by continuing to report a 90 day late for XX/XX/XXXX. The issue here is that all of my loans were placed in forbearance during the time that the 90 day was reported.
Facts : Employee ID # XXXX completed a forbearance on my account that started XXXX and ended on XXXX.
Employee ID # XXXX completed another forbearance on my account that started on XXXX.
A forbearance is a LEGAL AGREEMENT that allows the account holder to temporarily stop making federal student loan payments.
Later on XXXX a 12 month IDR plan was placed on my account.
In accordance with The Fair Credit Reporting Act ( The law intended to protect consumers from misinformation being used against them ) Fed Loan Servicing is not in adherence due to reporting a 90 day late on my credit file and continuing to keep reporting it even though they are fully aware that my account was under the XX/XX/XXXX - XX/XX/XXXX forbearance completed by employee ID # XXXX.
Fed Loan Servicing has not provided any information that states that they will report negatively to the credit bureaus while under an approved forbearance. I have faxed in documents, called in, and emailed regarding this issue.
Company Response: Closed with non-monetary relief
2019-07-18
Little Canada, MN
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Company Response: Closed with explanation
2019-07-18
Chestnut, NJ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-07-18
San Jacinto, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: For a few years I have been on an income repayment plan with FedLoan. The monthly payment was {$330.00} for a few years. Today I received a phone call from FedLoan saying that my loan is in default, yet I have not missed a payment in the last few years. I am told that my repayment plan was not renewed in XX/XX/XXXX and the payments I have been making each month for the last year have only been partial payments. I had assumed everything was okay. I spoke with them in XXXX of last year to clear things up and I was told it would be okay and continue making payments. Now they are saying that I am more than $ XXXX in back payments ( again making payments each month ) and that it is affecting my credit history. I thought my credit history was okay but I did not know that I was in this type of trouble. Not only that but my payments for the last year do not count toward my repayment in 10 year plan. What can I do? My father was in the XXXX XXXX but has since died in XX/XX/XXXX.
Company Response: Closed with explanation
2019-07-18
Ehrhardt, SC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Aside from receiving different and erroneous information during every call with their customer service, I received a written interest capitalization notice on XX/XX/2019, specifically notifying me I needed to pay {$3600.00} of interest within 21 days of the notice ( XX/XX/2019 ) or this amount would be capitalized ( added to my principal balance ) on XX/XX/2019. I immediately called FedLoan Servicing and asked why this was even happening as they set my payments based on an income contingent repayment plan as part of PSLF program. No one could answer my question other than this was how much outstanding interest was on my account. I was never warned this could or would happen. But, I digress.
I bit the bullet and paid the full amount on XX/XX/2019. There was no way I was going to let them capitalize an amount larger than what I had paid off over the last 2 years! The payment posted to my account on XX/XX/2019. However, XX/XX/2019, {$260.00} of interest was capitalized. I saw this shortly thereafter when checking my online balance and called immediately. First person I spoke to didn't understand anything so I was forwarded to a " supervisor. '' My question was simple. Why did ANY interest get capitalized if I paid the EXACT amount that was stated on the notice and well in advance of the due date? After much back and forth, she agreed with me that it was an error and said that the capitalization would be reversed.
Fast forward to today ( XX/XX/2019 ), I was reviewing my online account again and noticed the interest capitalization was never reversed. In fact, since XXXX it has been considered part of my principal balance and has accrued additional interest! I called again ( this is not to mention multiple other calls to them in the interim about other issues - in which every time I got a different answer and most often the incorrect answer ). After a 30 minute call, the young lady told me she would request a review of my issue. Request a review? I have already been told the {$260.00} interest capitalization would be reversed and now I need all erroneous interest charges on that {$260.00} to be reversed too. She said she could just submit it for review and " I could call back and follow up. '' What kind of service is this?! It's a scam! First, they most likely thought I wouldn't catch the capitalization. Second, after telling me it would be reversed on a RECORDED phone call, it was not. Rather, it's compounded additional interest on my account. And now, I need to follow up in the next 7-20 business days to see what happens??? I have a FULL TIME job and can't afford to be calling and waiting on hold for some incompetent person to tell me something incorrect. And this is not the first or only issue I've had with these people. I don't have time to elaborate on all the other horrible practices in which they engage. The whole company is a scam and needs to be investigated or simply shut down.
Company Response: Closed with explanation
2019-07-18
OH
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: My Fed Loan reporting says " 90 days past due '' in XXXX. I am currently enrolled in college. I have been in deferment and the reporting is wrong. This killed my credit score and I want help with getting fixed. I have already spoke to Fed Loan and they are the ones that initiated this dispute. They are in an agreement that this reporting is not accurate. Please help in getting this fixed. I graduate in 2020, so my loans are deferred until after graduation. Thank you and I hope this gets fixed and resolved ASAP.
Company Response: Closed with explanation
2019-07-18
Arsenal, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I submitted my re-certification for Income Based Repayment plan to FedLoan within the deadline window in XXXX. In XX/XX/XXXX I was direct debited for my standard repayment plan ( without adjustments for income based ) which was {$280.00} higher than it should have been with my income based plan XXXX a total of {$550.00} XXXX. I called to ask why this happened and was told it was because I submitted the documentation too late. I was nearing the deadline, but submitted all the paperwork prior to the deadline and was approved for a new amount and sent confirmation of this before the payment direct debited in XX/XX/XXXX. I was told to call my bank to deny the full amount of direct debit and get my money back. I did this, but then my non payment was marked delinquent. I was told it would take 45 days to resolve this through a payment override request at which time they would bill for for the correct amount XXXX {$270.00} XXXX and the extra {$280.00} would be cleared and not marked as a payment due.
I waited the full 45 days and when I hadnt heard anything, I called. I had to re-explain my story to every person I talked to and kept being told it would be processed eventually. Finally, at the 90 day mark, I spoke with someone who told me it could be expedited. He did this and it was processed in another week. I was called and told to submit the payment of {$270.00} and an employment certification form for PSLF. I did both and not only were my payments for XXXX not counted towards the PSLF, but the {$280.00} did not get cleared from my account. Since I was marked as delinquent in XXXX, they keep applying every new payment to the oldest amount due, which is causing every payment Ive made since then to be marked as delinquent. I called and asked about this and was told they had to review the delinquency and that the override request I had submitted in XXXX was never intentioned to clear the {$280.00}. They could give me no timeline as to when this would be reviewed or resolved. It has now been 4 months of dealing with this. Every time I call, I speak to someone different and have to re-explain and they refuse to give me a caseworker to help resolve this situation.
I also have a letter from XX/XX/XXXX asking me to re-certify my income based plan, which states that if I dont, the payment will increase in XX/XX/XXXX ( which doesnt make sense as to why my payment increased in XX/XX/XXXX )
Company Response: Closed with non-monetary relief
2019-07-17
Dallas, 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
2019-07-17
Colfax, IN
False statements or representation
Debt collection: Federal student loan debt
Attempted to collect wrong amount
Complaint: On XX/XX/XXXX, three days before my agreed-upon rehabilitation payment of {$640.00} was due, I called XXXX XXXX XXXX to explain that my financial situation had changed and that I needed a new audit of an income-based payment. A service representative indicated that they would cancel the payment on the XXXX, and re-audit my income and expenses to formulate a new payment, advising that a payment wouldn't come out until they reached a new amount. On XX/XX/XXXX, a date not authorized for a transaction, {$640.00}, an amount no longer authorized, was withdrawn from my personal checking account. I'm told on XX/XX/17 that amount was withdrawn in error, and that they are re-issuing a refund that won't be processed for 60 days or so. The debit on my account left my checking account negative and was unauthorized.
Company Response: Closed with explanation
2019-07-17
Belle Valley, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Company Response: Closed with explanation
2019-07-17
Meridian, AR
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: The loan is From American Education Services. The loan has reached statute of limitation and Im no longer responsible for debt.
Company Response: Closed with explanation
2019-07-17
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Company Response: Closed with explanation
2019-07-17
Atl, GA
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
2019-07-17
Winton, CA
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
2019-07-17
Elmhurst, 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 explanation
2019-07-17
Mobile, AL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2019-07-16
Leeton, UT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: In XX/XX/XXXX, I ran my annual free credit report with all three credit reporting companies. I noticed that PHEAA/FED LOAN SERVICING was reporting me " 90 Days Past Due '' in XX/XX/XXXX. For all months leading to that date ( XX/XX/XXXX and earlier ) and all months after ( XX/XX/XXXX to present ), PHEAA/FED LOAN SERVICING reports " ND - No data for this time period. '' This is a parent plus federal education loan ( s ) for my daughter 's college education. She began college in XX/XX/XXXX and continues as a full-time student today. Her expected graduation is XX/XX/XXXX. Any payments towards this loan ( s ) is deferred until she graduates, or stops attending college full-time. Other than traditional summer breaks she has attended full-time continuously since XX/XX/XXXX.
She did transfer from XXXX XXXX University after the XXXX school year to XXXX XXXX University for the XXXX school year ( and until graduation ). We submitted paperwork to PHEAA/FED LOAN SERVICING notifying them of the change. When I received an invoice requesting a payment, I immediately contacted PHEAA/FED LOAN SERVICING and they said they had the paperwork informing them of the change but it would take 60-90 days to update in their system. In my opinion, this issue may be the cause of their reporting error.
I did not owe a payment in XX/XX/XXXX. I HAVE NEVER OWED A PAYMENT TO DATE. Therefore, they must correct the XX/XX/XXXX payment they are reporting. I disputed through all three credit bureaus who contacted PHEAA/FED LOAN SERVICING who responded back with the same exact incorrect information regarding XX/XX/XXXX. When I called PHEAA/FED LOAN SERVICING directly their response was " dispute it through the credit bureaus ; '' which is unacceptable. I did upload a general complaint form directly to PHEAA/FED LOAN SERVICING that has resulted in no change.
Company Response: Closed with non-monetary relief