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 48
2019-05-09
Brooklyn, NY
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: Good afternoon, My servicer XXXX, American Education Services, sent me mailing about my deferment ending. I called in and spoke with a representative in XX/XX/XXXX applying for a new deferment which was supposed to cover me until XX/XX/2019.
I received negative remarks on my credit, which showed my payment as past due.
I called into AES and they said they have no record of the deferment and they weren't any notes on my account. I found the paper where I documented the name of who I spoke with, the date and time, etc. The new representative explained she was unable to locate any information and would assist me with processing my documents at that time.
I was given a three month deferment on the phone with the agent, and informed for sixth month deferment they would mail me a form which I would need to complete and mail in. I asked for a forensic review of my case, with all associated calls to be pulled to determine why the original deferment approval wasn't recorded and to update my credit report with the appropriate information. I shouldn't have negative remarks on my credit for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This needs to be corrected immediately.
Company Response: Closed with non-monetary relief
2019-05-09
MI
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: After my student loans had went into repayment the payment amount was too high. As a result of the high payment I had applied for options regarding a lower payment. The documentation that was requested to make arrangements was sent to the company. The documentation was either not enough or not what they needed. As a result to the runaround my credit report shows that I have 84 missed payments from XX/XX/XXXX-XX/XX/XXXX a total of six missed payments for each student loan account as they are not consolidated. I was finally able to get onto an income driven repayment plan after speaking to the right person and bring the account to current.
Company Response: Closed with explanation
2019-05-09
Grangeville, LA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-05-09
Scottsdale, AZ
Dealing with your lender or servicer
Student loan: Private student loan
Don't agree with the fees charged
Complaint: I received a letter from Fed Loan stating I was delinquent in XXXX and XXXX therefore 4 years later in XXXX they will be robbing me again and adding back to my loan a balance {$87.00}.
They need to get their act together. My balance doesn't go down and when I try to pay a loan down, my principal balance does not go down. I have filed many complaints and no one - not even the CFPB cares. SOMEONE NEEDS TO DO SOMETHING AND REVIEW FEDLOAN PAYMENT APPLICATION PRACTICES. NOW THEY ARE COMING BACK 4 YEARS LATER THAT THEY ARE REMOVING MY REBATE AND ADDING IT BACK TO MY LOAN BALANCE. DOES ANYONE SEE ANYTHING WRONG WITH THIS OTHER THAN ME.
Company Response: Closed with explanation
2019-05-09
Silver Spring, MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I am having issues with FedLoan servicing because someone is inaccurately reporting my student record to the Department of Education.
XXXX and XXXX are reporting my status as graduated as of XX/XX/XXXX, going back to XX/XX/XXXX, XXXX XXXX XXXX is reporting my status for XXXX College as not found because I only enrolled at XXXX and never XXXX as of XX/XX/XXXX, the Department of Education NSLDS system is reporting my enrollment status as half-time as of XX/XX/XXXX, and FedLoan Servicing is reporting my enrollment status as currently enrolled full-time as of XX/XX/XXXX. I graduated from XXXX in XX/XX/XXXX and have not enrolled at any institution since.
XXXX, FedLoan Servicing, and the XXXX XXXX XXXX are saying this is an issue with the Department of Education. The Department of Education is saying this is an issue with XXXX and also stated that FedLoan Servicing is required to accept documentation from MIIS or XXXX to correct my student status. FedLoan servicing informed me that they can only correct my enrollment status using information from the Department of Education directly.
Instead of being provided with a solution, FedLoan Servicing provided the suggestion of filing a School Related Deferment Waiver Form ( Form SDWFR-XBCR ). I am concerned about filing the waiver because you are only allowed to ever do this once in your entire lifetime and it has potential financial and legal ramifications. I do not feel like this is an appropriate workaround for my situation when rather the responsibility should be for the entity holding incorrect enrollment data to correct it. While I may wish to file Form SDWFR-XBCR at some point in the future, I do not feel I should be forced to file it now as a remedy to my situation.
I spoke with agents XXXX, XXXX, and XXXX at FedLoan Servicing during multiple calls on the evening of XX/XX/XXXX. I spoke with XXXX and XXXX at the National Student Aid Information Center on multiple calls on the evening of XX/XX/XXXX. At the XXXX XXXX XXXX, I spoke with XXXX in enrollment verifications, XXXX in deferments, and their manager XXXX at approx. XXXX EDT on XX/XX/XXXX. A response from XXXX via email is also attached to this complaint.
I do not find the current remedies to be acceptable and feel I am being punished because someone else messed up data on me that I am unable to fix. Please help me fix this.
Company Response: Closed with explanation
2019-05-09
Houston, TX
Written notification about debt
Debt collection: Federal student loan debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-05-09
Sm, KS
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I filed a complaint regarding some of these issues on XX/XX/19. I finally received a response on XX/XX/19. For reference, the complaint number is XXXX.
In the response, my issues were not addressed. I asked for a review of my account financials as the transfer from XXXX XXXX to FedLoan was clearly and massively disorganized. Instead, they ( not even FedLoan themselves ) simply reviewed communication history and payment history. Secondly, I addressed concerns about requests to remove my paid ahead status not being fulfilled ( as I have received no written confirmation of this ). Instead, they simply explained what paid ahead status means and why it can affect PSLF eligibility of my payments. I already knew this, thats why I have concerns about the paid ahead status not being removed as I have requested. Lastly, I expressed concerns about why I was told you can not merge my two due dates into one without it affecting PSLF eligibility as I had repeatedly been told by FedLoan. However, they took it upon themselves to merge these dates without asking me or confirming that it will not affect PSLF eligibility. It took them nearly two months to give me an inadequate response. Time that has led to further troubles with the company.
Lastly, since I have filed this complaint, I had to reapply for direct billing. However, after reapplying, FedLoan automatically put me into forbearance for the month of XX/XX/2019 ( against any wishes or requests of my own ). When I called to ask about this, they mentioned that this is standard practice due to delays in direct billing. This is highly unethical practice. They should notify borrowers to say they need to make a manual payment for the affected months. As a result of this, I received a highly stress-inducing letter regarding interest capitalization on my account ( totaling {$5000.00} ) that needed to be paid before the end of the month or it would be added to my balance. When you sign of for auto pay for any other service they give you notifications that it would apply to the next billing cycle and that a manual payment is required for the current billing cycle. FedLoan just assumes borrowers can not pay and puts them into forbearance which happens to disqualify payments from PSLF. I was able to get the forbearance removed. However, I am sure many borrowers were affected by this and simply did nothing because they didnt understand or had already given up fighting FedLoans XXXX services. This kind of practice ( among many other practices ) warrants a criminal investigation.
Virtually every mistake FedLoan has made regarding my account has ruined eligibility of my payments for PSLF. At this point, it is not gross incompetence- it is highly intentional sabotaging of borrowers accounts. I am giving FedLoan Servicing one more chance at addressing my concerns before I take them up with a lawyer.
Company Response: Closed with explanation
2019-05-09
Rock Hill, MO
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Company Response: Closed with explanation
2019-05-09
Naples, FL
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
2019-05-08
Kent, OH
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
2019-05-08
ME
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: My payments have been incorrectly calculated since at least XXXX. This is because of a myriad of problems, including but not limited to an incorrect calculation under the IDR plan. My current IDR plan was supposed to be in place for XXXX, and by their own notification I should have known the new payment by no later than XX/XX/XXXX, but I have yet to hear what the new payment will be under the new IDR plan. I have tried to contact them multiple times, but the company has never responded.
Company Response: Closed with explanation
2019-05-08
Federal Way, WA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have XXXX school loans with FedLoan Servicing. I was paying them with the income based repayment plan -- - in the hopes of meeting Public Service Loan Forgiveness ( though I now understand that almost never happens ). I am back in school for an XXXX while working full time as a XXXX. In this last semester of school, Spring 2019, FedLoans put me into loan deferment for school without asking or even notifying me. I did not know I was in deferment until I noticed that my loan amount wasn't deducted from my bank account.
I have contact them to fix this in the following ways : 1. I called them and asked to get out of deferment as I never requested to be in deferment or approved that they place me on it. They told me they are allowed to do that and I can fix it by filling out a form -- which I did.
2. A couple months later, I was still in deferment. I called again. They said the form didn't go through so I need to fill it out again -- which I did.
3. A month later, I am still on deferment. I called again. They said, " I see your form here. Let me see why it has not be processed yet. '' I noted that I was filing a complaint here and they connected me to the enrollment team to " fix the problem immediately '' -- wish I knew that trick before. They have assured me that I will go back to my income driven repayment and automatic bank withdrawal and that this will not affect my PSLF qualification.
Of note, it is difficult to access the customer service at FedLoans via phone. They do have an email address though they have never responded to an email inquiry I have sent.
I am concerned this makes my chance of meeting the PSLF program requirements even lower than the currently cited 1 %.
Company Response: Closed with non-monetary relief
2019-05-07
Chicago, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2019-05-07
Drexel Hill, 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
2019-05-07
Detroit, MI
Confusing or missing disclosures
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Company Response: Closed with explanation
2019-05-07
Cold Spring, MA
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
2019-05-07
GA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found 120 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation
2019-05-07
NJ
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: XXXX college is trying to charge me for tuition that i have paid off and are still reporting on my XXXX credit report. Also XXXX XXXX XXXX has been false reporting the same account 8 times on my file report i have disputed this with all my credit bureaus and they have been removed but XXXX is hurting my credit score with false reporting I have called to request all orginal contracts and they have not given me anything i also filed a complaint against them .. I need some one to help me because i work very hard to pay my bills on time and have good standing accounts for XXXX to allow XXXX college and XXXX XXXX XXXX to do as they wish with my credit report
Company Response: Closed with explanation
2019-05-07
Ft Lauderdale, FL
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: They offer me to erase the loan because was paid in the court because the XXXX XXXX XXXX XXXX was paid the loans of students because they have a lawsuit and theyre erasing the loan for the student I received the offers to remove that loan but was not removed theyre taking the loan in other federal account loans please remove that loan they offer me that
Company Response: Closed with explanation
2019-05-07
Jupiter, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: AES Team, I was informed about the XXXX Loan Forgiveness program a few years ago by AES reps on several seperate occasions. However, I was not properly informed about all the features of this program ; specifically XXXX Loan Forgiveness Forbearance. I was not properly informed that during the 5 year period, you can annually apply for forbearance while completing the 5 years eligibility at a XXXX XXXX XXXX. I was told my only forbearance option was General Forbearance which lasts less than 1 year. Had I been informed of this during the initial consult with AES reps I would have immediately applied for this special forbearance annually.
I am now finishing up my 5th year at a title 1 school and are ready to have my loans forgiven. However, I am requesting retro active forbearance for 4 years ( XXXX XXXX ) in which I was eligible for the XXXX Loan Forgiveness Forbearance but was not advised of my eligibility for it. The XXXX loan forgiveness forbearance was the BEST repayment option for my specific circumstance over the past 4 years and AES failed to advise me of that. As a result, I have 2 90 day late payments on my credit report that could have been avoided had I been given correct information by AES reps.
I know AES is all about helping its customers whos loans it services have the most pleasant experience ; especially its XXXX who serve in XXXX XXXX XXXX where we serve children from difficult life circumstances. I know AES has the best intentions to offer solutions to make the repayment process pleasant. However, the ball was dropped in my circumstance.
This retroactive forbearance would rectify the unfortunate situation of not fulfilling their duty to inform me the best forbearance solution over the past 4 years. I know this is an abnormal request. However, given the extent of the circumstances I think you will agree that my request is fair and something that I am more than eligible for and entitled to as a XXXX XXXX XXXX that was not properly informed. Thank you for your time.
I have tried on several occasions to rectify this with AES directly to no avail.
Forgiveness Forbearance A XXXX Loan Forgiveness Forbearance can be requested while you are completing the 5 years of teaching service at an eligible XXXX XXXX XXXX. The forbearance will be applied in 1 year increments, so you must reapply annually.
Company Response: Closed with explanation
2019-05-06
Quartzsite, AZ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-05-06
Buffalo, NY
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
2019-05-06
Sanders, KY
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: On XX/XX/2019 my IDR repayment through XXXX was recalculated and it stated that my new monthly payment would be {$240.00} and the first payment would be due on XX/XX/2019. I made the correct payment on XX/XX/2019 and the noticed that my credit score significantly dropped ( 77 points ). This was the explanation provided on XXXX XXXX 's website : " Balance increased by {$660.00}. It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can.
Between XX/XX/2019 and XX/XX/2019, your XXXX XXXX student loan account balance increased by {$660.00} from {$260000.00} to {$260000.00}. '' When I called XXXX they stated that the reason my score dropped was because of unpaid interest. So far as I know, it is common practice for student loan amounts to go up even when making regular payments because of interest. However, I am not aware of any other person who has been negatively impacted by interest on their credit reports when making timely payments. The only solution they offered was for me to make an extra {$1300.00} payment every month or have my credit score continually drop.
I am on the Revised Pay as you Earn Plan as well as the Public Service Loan Forgiveness program since I work for state government. I do not understand how this is not predatory lending. XXXX determined the amount I could afford each month and that is how much I pay. I should not be penalized for making timely payments that they established.
Company Response: Closed with explanation
2019-05-04
Key Biscayne, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: I am a Federal Government employee that has student loans with FedLoan due to the Public Service Loan Forgiveness Program ( PSLF ). On XX/XX/XXXX FedLoan approved my Revised Pay As You Earn ( REPAYE ) plan and increased my monthly payment from {$630.00} to {$1200.00}. For their evaluation of my REPAYE application FedLoan solely used my XXXX tax return provided by the IRS and did not consider any other information. I am married and we file taxes jointly. We have XXXX dependent child that is XXXX years old. I do not understand how FedLoan doubled the monthly payment amount because in XXXX we earned {$3700.00} more in wages than in XXXX. Our personal circumstances are the same than in XXXX so I do not understand how FedLoan reached this amount. I need my REPAYE monthly amount re-considered because it is shocking that my payment doubled from {$630.00} to {$1200.00} for just earning {$3700.00} more in one year.
Additionally, the REPAYE evaluation does not take into consideration that my wife and me have additional student loan payments ; that our mortgage payment increased from {$2000.00} to {$2400.00} ( {$320.00} more ) in XX/XX/XXXX ; that we have to pay {$860.00} in daycare a month ; that we paid {$2400.00} in our XXXX taxes ; that we have to pay utilities, car insurance, health insurance, etc. Respectfully I need FedLoan to consider the totality of the obligations my family has to pay a month to recalculate my REPAYE plan.
Company Response: Closed with explanation
2019-05-04
Silver Spring, MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: As of XX/XX/XXXX, XXXX is once again claiming that I am a student at XXXX College. This was previously fixed but now the fix has been undone. I am not a student at any institution and have not been a student at any institution since XX/XX/XXXX.
Company Response: Closed with non-monetary relief