AES-PHEAA

2019-07-16

Weston, CT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2019-07-16

Palos Park, IL

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-07-16

East Palatka, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-07-16

Alhambra, 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

2019-07-16

Marin City, CA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-07-15

Southington, CT

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

Timely Response

2019-07-15

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

2019-07-15

AL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I was hoping to qualify for the PSLF. I have worked for the same qualifying employer for 13 years. This year, I made my 120th consecutive on-time payment this year ( the requirement for the program ). However, I just received the letter saying I still have seven more years to pay because I consolidated the loans in 2015 ( as I was advised ). After calling and talking to many customer service representatives, nothing can be done in my case ( other than pay for seven more years and then be reconsidered ). I did my part and paid my 120 on-time payments. I had no idea consolidation would affect this, or I never would have consolidated.
Company Response: Closed with explanation

Timely Response

2019-07-15

Washington, DC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with non-monetary relief

Timely Response

2019-07-15

DC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: On XX/XX/2019, a check in the amount of {$2500.00} was received by my loan servicer, Fed Loan Servicing. I currently hold XXXX direct consolidation loans with Fed Loan Servicing. Correspondence with the check asked that the amount be applied to the principal of the single direct consolidation loan with the highest interest rate ( 7 % ). Included in that correspondence, was my name, my account number, the principal balance on the single loan I wanted it applied to, and the internal name that Fed Loan Servicing uses to describe this loan specifically. ( To them, it's " XXXX XXXX XXXX ''. ) My payment was misapplied. It was applied as an interest payment across all XXXX loans, directly against the stated payment instructions included in the correspondence. I am including a copy of the correspondence that was included with my loan payment.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-14

Jupiter, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: On the month of XXXX, I applied for Income Driven Based Repayment Loan. They received the status however, they said I am on the standard loan program for now. The only way I could get back on income driven loan repayment is By paying the full amount which XXXX dollars. I paid that amount on XX/XX/2019. Now, someone changed the dates of the application that I applied for income driven based loan repayment. I called Three times regarding if I am going to be on income driven based and I needed to see letter if I am on it.. til this day..nothing has changed.
Company Response: Closed with explanation

Timely Response

2019-07-14

Quartzsite, AZ

Credit monitoring or identity theft protection services

Student loan: Federal student loan servicing

Billing dispute for services
Complaint: It's not with the company of collections, it's with the school. They told me over the phone if i sign this federal loan I'll have a free ride through school until I graduate with my XXXX XXXX XXXX XXXX. Then one day, they call asking why I haven't paid on my loan. I told them I was told I didn't have to until graduation and they said that it wasn't possible. I guess I should have known it was too good to be true but this has ruined my credit score and any chances of ever owning my own property. It isn't fair. Summer of 2011, I believe I started at XXXX XXXX online. And a few months later, they hit me with this.
Company Response: Closed with explanation

Timely Response

2019-07-14

Bedford, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: In the process of getting my finances in order, I called PHEAA on XX/XX/XXXX in regards to my defaulted loan with my debt advocate on the line. The customer rep was XXXX XXXX ( XXXX ). XXXX proceeded to explain their rehabilitation program and the asked me a series of questions to determine the amount I would have to pay monthly which came to {$5.00}. One of the questions my debt advocate had was in regards to my tax refunds checks which are being intercepted by the Fiscal Service of the Treasury Dept. XXXX said that as soon as I enrolled in the rehab program, the checks will no longer be intercepted and said I needed to enroll in the program while she had us on the phone. She then said I needed to sign some documents right away to start the process.She then sent me the documents via email and I said I needed to sign them via XXXX and process an initial payment to verify my payment account. While on the phone, she repeatedly asked if I've received the documents and during which time my debt advocate asked her very specific questions to ascertain the fine print/terms of the 10 payment agreement since she was getting me to urgently sign the document and not give either myself nor my advocate a chance to read it. She confirmed with us that the checks will not be intercepted once I enrolled in the program. I signed the documents as soon as I received the email with XXXX on the line verifying that I signed it correctly. I waited till the second payment was processed to make sure there were no errors then filed my taxes On XX/XX/XXXX ( XX/XX/XXXX ), I received a letter from the Treasury Dept saying my check was intercepted and sent to PHEAA. I emailed XXXX immediately to find out why because she had confirmed it would not happen. She did not respond until I called PHEAA after a week on XX/XX/XXXX, and XXXX again on the line On the call on XX/XX/XXXX, I reminded XXXX of our call with my debt advocate on XX/XX/XXXX and asked why my check was intercepted and she said she had given me the wrong information that the rules were changed in XX/XX/XXXX that required 5 payments to be made before interceptions will stop. I told her I needed PHEAA to release the check to me since she gave us the wrong information and she went to speak to her supervisor. She came back and said the call was on XX/XX/XXXX was pulled and reviewed and they confirmed she did give me wrong info but she said the supervisor said the check will not be released and she said she was sorry for the wrong information but it was out of her hands now I called back on XX/XX/XXXX to complain again and see if I could get someone else. I got XXXX XXXX. I detailed my call on XX/XX/XXXX and XX/XX/XXXX and she looked at the notes on the account and said she could not do anything. I ask to speak with a supervisor. XXXX then put me on hold and then came back and said the supervisor said the check will not be released. I never spoke with the supervisor. I ask to speak with the supervisor 's higher up and she put me on hold again and then came back and said that she was sorry XXXX gave me the wrong info. I then ask that was she saying even though it's confirmed Kim gave me the wrong info that PHEAA will not return the check to which she responded I sign the documents and it was in the documents I signed that XXXX never gave me or my debt advocate a chance to read.The supervisors she spoke with were XXXX XXXX and XXXX XXXX. At this point, I have sustained very heavy financial damages as a result of the wrong information I received. And I was given the wrong info despite my debt advocate clarifying multiple times with XXXX specifically about the interception of the check. I request to have the check released.
Company Response: Closed with explanation

Timely Response

2019-07-14

Euclid, OH

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

Timely Response

2019-07-14

Clarksville, MO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have asked repeatedly over the last year or two how many qualifying payments I have made as part of my PSLF loan. Every time I inquire the number is different and reduces the amount of qualifying payments I have made. When I ask about why this is I am given an ambiguous " just wait and see '' type of answer. I have submitted on time payments, and all required paperwork, while working for a qualifying non-for profit/public sector agency for this entire time. I have to date made 51 payments since I consolidated my loans totaling {$39000.00}. I have reached out yet again to FedLoan to inquire about the discrepancy. I am concerned at the mishandling of my student loan, and the inability to answer why this number continues to drop or why my payments are not listed as qualifying. Please see the list of payments made below. I do not have dates for the many, many calls I have made but Fedloan should have a record of this. XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00}
Company Response: Closed with non-monetary relief

Timely Response

2019-07-13

CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I applied for and received federal student loans while I was in medical school. I made every payment on time and consistently renewed my income-driven repayment plan yearly, on time and without issue. In XX/XX/XXXX, the due date on my income-driven repayment plan lapsed because I had not received an email alerting me of the yearly requirement for renewal. Upon receiving an email on XX/XX/XXXX that there was an action required on my account, I logged in to find that, because I had not submitted the income-driven plan renewal, ( 1 ) the entire outstanding interest on my loans had capitalized ( + {$19000.00} ) increasing my principal balance by ~10 % and ( 2 ) my monthly loan payment had quadrupled ( to ~ {$2100.00} ). I also found that I had been sent -- electronically -- one single notification on XX/XX/XXXX to renew my income-driven plan. However, the email alerting me that I had an action pending on my account was not sent. Moreover, I received no other alerts from FedLoan servicing that I needed to renew my income driven plan. Instead, on XX/XX/XXXX, the above occurred. I called FedLoan Servicing several times between XX/XX/XXXX and XX/XX/XXXX to discuss the matter. I was forced to submit a one-time forbearance on my XX/XX/XXXX payment because it was ~ {$2100.00}, and I could not afford it. I was encouraged by a supervisor at FedLoan servicing to submit a letter explaining the above described circumstances in order to trigger an investigation and to revert the principal to its prior balance. I was told to expect a response in 2-3 months. It has been 6 months since my submission and despite two other calls to the company over that time period, I have not heard a response. I have been consistent and timely throughout the life of my loan. I have paid every payment required of me over the life of the loan and I had renewed my income-driven plan without lapse as well. This was an unfortunate event, not consistent with my prior character, that has cost me a 10 % increase in my principal balance and will cost me tens of thousands of dollars over the life of the loan. Also, despite the costly nature forgetting to renew my income-driven plan, I only received one notification from the company to perform this task. I formally disputed the capitalization in a timely fashion ( within days of being notified, on XX/XX/XXXX ) and have not heard back.
Company Response: Closed with explanation

Timely Response

2019-07-13

Bywood, PA

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-07-13

Washington, DC

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: I submitted a direct debit dispute form to AES on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to AES. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an AES internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an AES representative via the telephone. AES has not taken any action to remove the delinquency from the three credit reporting agencies.
Company Response: Closed with explanation

Timely Response

2019-07-13

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: XX/XX/2019 Dear Sir or Madam : On XX/XX/2019 I paid my private student loan in full to : American Education Services XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX Account # XXXX and received a confirmation letter : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS LETTER IS FOR YOUR INFORMATION ONLY. Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX | M-F XXXX XXXX to XXXX XXXX ( ET ) | XXXX | XXXX XXXX | XXXX | Why We Are Contacting You Congratulations! The loans listed on the reverse side of this letter are paid in full. This notice does not pertain to other loans we may be servicing for you. What This Means To You No further payments are required on the loans listed as paid in full. We appreciate your business and wish you success with your future endeavors. I did receive a refund cheque for overpayment. However when I log into my account there is a current balance of XXXX with an interest rate of 4.87 %. I sent a letter by courier requesting the account be closed. To date this has not been done.
Company Response: Closed with explanation

Timely Response

2019-07-13

Lafayette Hl, PA

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: In XX/XX/2015 I processed an additional deferment with AES. Oddly, after processing the deferment with AES I began receiving late notices so I contacted them again and they corrected the issue ; however, they never fixed my credit report which is preventing me from buying a house.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-13

Foothill Ranch, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Over 3 years ago I applied for the PSLF program. I filled out all the paperwork and my employer signed verification forms. I was told I qualified and my loans then had to be transferred over to Fed Loan Servicing from XXXX. I didnt think there was anything wrong, as every time I called customer service, they verified my loans were on the PSLF. Each year I would have to fill out the paperwork and as I made more each year, my payments kept going up. About 3 months ago, on a random customer service phone call, I find out my loans were never put on the PSLF program and they lied and said they never had my paperwork when I applied over 3 years ago. I was told by numerous customer service people that I would need to reapply and have my employer verify my employment and they could back track all the years I qualified. I recently got approved and my current employer of 3 years has qualified and they are telling me only 1 payment has qualified so far. I have had so many past issues with this company and now this. I was told there was no one I could file a complaint with. Im writing this now as I just read the news how the teachers are suing this company for misleading information and many issues I have been through. I would really like to take action against this company, as this is wrong to be untruthful and unlawful to its customers.
Company Response: Closed with explanation

Timely Response

2019-07-13

Arsenal, 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
Company Response: Closed with explanation

Timely Response

2019-07-13

Glendale, CO

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 non-monetary relief

Timely Response

2019-07-12

Tempe, AZ

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 non-monetary relief

Timely Response

2019-07-12

San Leandro, CA

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt is not yours
Complaint: I Received a call from a XXXX at PHEAA, number XXXX with information, I thought was, regarding my impending hearing to address the consolidation and the converting of both my federal and private loans and the documents and notes that had been altered. He became insulting, bias, intrusive, judgemental and condescending, yet I remained calm throughout the conversation. I listened, tried to obtain answers, as to my hearing date. He told me mid to late XX/XX/XXXX. And, until then, I can send in any other documents. He told me to call the XXXX number and ask for the Hearing Dept. if I had any further questions. Today, XX/XX/2019, I receive a call from PHEAA regarding I set up a payment plan, as provided by a XXXX XXXX at PHEAA. He did not address my impending hearing or the fact that I had spoken with a XXXX the day prior. I told him to stop calling the XXXX for collection demands and that I have documentation in file and that I did not have to provide him with my E-mail address when he asked for it. He placed me on hold, when he returned, I was told XXXX was not available but, XXXX wants me to set up a payment plan. I contacted the Default collections Dept at XXXX and spoke to a XXXX. She basically told me the same thing as XXXX XXXX. I had not received any recent calls, that I am aware of, from PHEAA until yesterday, XX/XX/2019. Now, the harassment is starting again. And, no hearing, no information provided.
Company Response: Closed with explanation

Timely Response