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 49
2019-05-04
Silver Spring, MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: Logging into my account this evening, I once again noticed a retroactive forbearance on loan sequences 1 and 2. I called XXXX XXXX on XX/XX/19 at XXXX EDT and spoke with employee ID XXXX. Employee XXXX told me that I previously requested that be fixed in XXXX and XXXX complied but decided to re-add the retroactive forbearance. The representative was unsure why that occurred and noted that someone at XXXX requested it be removed once again. I am absolutely baffled with what is occurring with my account and want to be sure that all payments made on loan sequences 1 and 2 can count under PSLF. This issue was previously fixed in response to CFPB complaint XXXX-XXXX.
Company Response: Closed with non-monetary relief
2019-05-04
Odell, OR
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Complaint: I disagree with the dispute results. I made all my payments on time in XX/XX/2019. I requested a forbearance that was inaccurately inputted by a XXXX XXXX representative. I repeatedly tried to fix the problem, including making additional forbearance requests and calling. A delay in my IDR recertification application caused a large payment to be due and paid. This caused financial hardship for me and it was refunded. Forbearance should have been applied, however, a representative made a mistake and they became very confused about what was happening with my account. I never made a late payment.
When I finally was able to talk to someone who thought to look at the problem differently, they were able to find the problem that was made by the employee when entering the request I made over the phone. They caught their error, approved the request for forbearance, and then marked my account as paid ahead due to my making my agreed upon IDR ACH direct deposit payments during the time the forbearance had been retroactively applied.
I disputed with the company and all 3 bureaus. My payments were never late.
Company Response: Closed with explanation
2019-05-04
Brooklyn, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have a deferment letter clearly stating that my loans ere in deferment, yet all my credit reports show XX/XX/2018 as late and the deferment letter received shows in Deferment for XX/XX/2018. I have tried disputing, I have tried contacting company, got no assistance.
Company Response: Closed with non-monetary relief
2019-05-04
Waterford, 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
2019-05-03
Snellville, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-05-03
Five Points, 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
2019-05-03
Lawrence, MA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-05-03
MN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have a Parent Plus loan for my child, and she is enrolled full time at school. I got a text notice that the payment is past due on XX/XX/XXXX. I contacted MyFedLoan.org about the incident and they said they were in process of updating the enrollment status and that I wouldn't need to worry about it.
Finally, when the payment was 29 days past due according to their records ( XX/XX/XXXX ), I made a payment so it wouldn't affect my credit. I contacted them again on XX/XX/XXXX to check on the status of the enrollment update. They said it would take up to 10 business days to update my records ( per an email response I got ).
I sent my next regularly scheduled payment on XX/XX/XXXX for my legacy student loan, with additional principle payment included, and received today ( XXXX ) another notice that I am past due. I logged in and found out that they still have not updated the enrollment status. I have a screen shot showing that I am both paid ahead, and delinquent on my account.
I let them know that I would be contacting the CFPB if they didn't fix it last time, and since it's still not fixed, now I'm ensuring action is taken via this request.
Company Response: Closed with explanation
2019-05-03
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-05-02
Wallington, NJ
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't temporarily delay making payments
Company Response: Closed with non-monetary relief
2019-05-02
Cleveland, OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-05-02
Detroit, MI
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Company Response: Closed with explanation
2019-05-02
Gamaliel, KY
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Complaint: In 2017 and currently ( two separate occasions ) this company has unfairly and incorrectly handled my credit information.
Most recently I made an attempt to call FEDLOAN Services and spoke to a representative. In which we discussed the amount and date of my current student loan.
Because of a job switch I communicated that I needed to change the date of this specific payment.
To which I have just checked my credit score ( after years of trying to rebuild from their first error fresh out of college ) and they have reported my loans 31 times.
Company Response: Closed with explanation
2019-05-02
Arco, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: To whom this may concern, I have tried to address a tuition reimbursement, after I dropped out from a course with XXXX XXXX XXXX XXXX XXXX, due to work constrains back in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX processes the withdrawal and provided copy of the ledger page showing refunded amount of {$3200.00}. Based on information from XXXX XXXX, the original Balance was {$3500.00}, and the loan increased up to {$5700.00} as Principal Balance with {$48.00} Unpaid Interest. I have contacted XXXX XXXX several times to review the loan, and I have not received any phone call or e-mail as response to my inquiry.
I have called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Federal Student Aid, and The Department of Education, and I have not been able to find any assistance. I either get a number to call one of the agencies named above, or get hanged up.
XXXX XXXX has stated that they have not received any proof of refund money from FSA.
I called FSA at XXXX on XX/XX/XXXX. They also said they have not received proof of the refunded funds. They suggested calling the Department of Education at XXXX. From this line, I was transferred to an automatize system that said to call XXXX. Once I called this number I was told to call XXXX or XXXX or XXXX. At this last number, I was told to call XXXX XXXX at XXXX.
As you can see, I have been going in circles with not success. Every person I speak, they say that they can not do anything and they keep giving me other numbers to call.
I will appreciate if you can please provide any information to conclude this issue.
I can provide copy of the Ledger Card and 1098T forms provided by XXXX XXXX XXXX XXXX XXXX, as well as e-mails.
On XX/XX/XXXX, I filed for forbearance as I became unemployed. As I found myself with more time to review my financial responsibilities, I found out that I was making payments on a loan that is charging interest over interests, and a loan that was supposed to be canceled.
I will appreciate any assistance you may be able to provide.
Company Response: Closed with explanation
2019-05-02
Keytesville, MO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I was on an Income Driven Repayment Plan last year and didn't have any issues before I had to recertify this year. I'm also on the PSLF. I have been at the same job for over 10 years. They continued to deny by PSLF, claiming that my employer didn't fill in the correct dates and this was incorrect. I resubmitted the paperwork and it was certified. I call the provider to find out how may qualifying payments I have and she couldn't answer the question or simply refused to answer.
On or about XX/XX/XXXX, I received a notice to recertify my IDR. I submitted my IDR request on or about XX/XX/XXXX, I received a letter XX/XX/XXXX, indicating that my amount was going to be XXXX, after being denied for supposedly not submitting the correct paperwork several times.
They have now recalculated my monthly payment a total of three times all based on the information that I've submitted. They failed to review any of my documentation before determining their decision to deny them every time and then turn around and approve.
I have requested a forbearance for the month of XX/XX/XXXX, XX/XX/XXXX. I called in XX/XX/XXXX to request a forbearance until XX/XX/XXXX, since they continued to drag their feet making a decision. Today at XXXX XXXX they took out a XXXX payment from my account, after I was told that I was in forbearance until XX/XX/XXXX. My payment amount in XX/XX/XXXX is now XXXX, which I'm fine with, until they change it again. The numerous calls and correspondence back and forth with this company is tiring and frustrating. This process is absolutely ridiculous. When I open my mailbox and see anything from FedLoan my stomach turns. HEY WAKEUP CALL AMERICAN DREAMERS- HOME OWNERSHIP IS OUT IF YOU HAVE TO GET FUNDED!! Become very familiar with your student loan provider because you don't have choice as to who services your loan, unless you find a legitimate bank and do it privately. Meet your new life partner ... ITS CALLED STUDENT DEAD DEBT!
Company Response: Closed with explanation
2019-05-02
KY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I requested a Public Loan Forgiveness payment recount from FedLoan Servicing on XX/XX/XXXX. I have called multiple times including today to check on the progress and have been repeatedly told that it is still in review. When I called on XX/XX/XXXX, the customer service representative emailed the PSLF department requesting that my payment recount be expedited.
Currently, I have 3 loans remaining. FedLoan Servicing has 2 loans ( Loan 1 and Loan 2 ) showing the payment count as 76 Qualifying Payments made with 44 Qualifying Payments remaining with estimated eligibility for Public Loan Forgiveness on XX/XX/XXXX. FedLoan Servicing shows that the other loan ( Loan 4 ) has a payment count of 83 Qualifying Payments made with 37 Qualifying Payments remaining with an estimated eligibility for Public Loan Forgiveness on XX/XX/XXXX. By my calculations, I should have already made 83 Qualifying Payments on Loan 1 and 88 Qualifying Payments on Loans 2 and 4. I just paid Loan 3 completely off on XX/XX/XXXX. I would appreciate any help in getting my payment counts corrected. Thank you in advance.
Company Response: Closed with explanation
2019-05-01
Albia, NY
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Company Response: Closed with non-monetary relief
2019-05-01
OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: Hello, I recently logged into my account on myfedloan.org in attempt to payoff a few loans. The website is actually pretty intuitive and easy to navigate, and I was able to quickly identify how much my payoffs are. The site makes you select : payments & billing, loan payoff, selections of loans, payoff date ( to calculate interest ), then your banking info. So I did these steps on XX/XX/19 and the system advised me that the 3 accounts I wanted to payoff totaled {$7700.00}. I made the payment, and double checked they were in fact closed XXXX. It shows that I still owed a interest amount that previously showed when I selected payoff from XX/XX/XXXX. I contacted them, the lady helping me was nice, tried viewing my issue, but couldn't give me an answer as to why it generated additional interest that in their screen shows me I paid off in full. Her answer was " you must have paid only principle not interest '' I advised her and offered to walk her through my screens, their system does not allow you to pay only principle, furthermore the payment history screen shows that I did pay the interest that is reappearing in error. Clearly it would be foolish to pay some obscure amount of money ( {$7700.00} ) for no apparent reason. I know their system advised me that this amount would in fact pay the loans off completely, please help identify what is going on.
Company Response: Closed with explanation
2019-05-01
ME
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: XXXX is my loan servicer. They asked me to complete my income based loan repayment certification, and that they would send me a letter updating my loan payment details. I submitted this before the deadline of XX/XX/2019. Now, my payment has doubled without any communication from the company. When I logged onto my account, they had put my loan in the Revised Pay as You Earn, instead of keeping the Income Based Repayment repayment plan even though my spouse and I file separate taxes. When I called the company regarding this change on XX/XX/2019 at XXXX and the large monthly amount due, the first customer service representative said that half of my consolidated loans had been taken off of income-based repayment and put back on the standard repayment plan, in addition to the other half being put on Revised Pay as You Earn. This is very alarming as it means any interest would have been capitalized and added to my loan amount as soon as the Standard Repayment was put into effect. Furthermore, this would make these loans no longer eligible for PSLF program which I am eligible for. The representative then proceeded to put me on hold again for an additional 20 minutes until the phone line closed. I am struggling to get in contact with anyone that can help me.
Company Response: Closed with non-monetary relief
2019-05-01
FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Student loan accounts were under XXXX Forgiveness. They were forgiven after completing long process with this agency. Everything was squared away. First this agency was servicing the account when it was forgiven.
XXXX XXXX XXXX XXXXXXXX XXXX Installment Closed XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Installment Closed XX/XX/XXXX Then, after two years, this agency started servicing THE CLOSED FORGIVEN ACCOUNT [ XXXX XXXX XXXX ] and below is what they did to my previous XXXX FORGIVENESS ACCOUNTS WITH XXXX XXXX XXXX XXXX Then, I have contacted XXXX XXXX XXXX and tried to resubmit the same information that I submitted to XXXX XXXX XXXX XXXXXXXX ; however, rude customer service representative, no answer in regards of my student loan forgiveness that I was already granted by the previous servicing agency and also accounts blow-up my credit report with seperate accounts in total of 15, while in the first agency it was a simple one account.
I have did my time XXXX and I am still in the XXXX field in XXXX and I am trying to purchase a home, but these accounts that came up last year need to be removed from my credit report as they were in the first place forgiven. XXXX XXXX XXXX does not care about the consumers and is not aware of the accounts they are actually servicing. My accounts were closed and forgiven through my employment at XXXX XXXX XXXX XXXX from XX/XX/XXXX.
Please review my case, I have been trying to contact this agency via mail and phone, but no response at all.
XXXX XXXX XXXX XXXX {$2000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$13000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$26000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$5700.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$5600.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$4600.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$3100.00} Installment Current XX/XX/XXXX XXXX
Company Response: Closed with explanation
2019-05-01
Foothill Ranch, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: In XX/XX/XXXX my loans were disbursed for the PSLF, which requires me to have automatic withdrawals for the rate I qualified for. My goal was to keep regular monthly payments going so that this loan wouldn't be dragged on longer than 10 years ( 120 qualifying payments ). This goal however has been met with adversity beyond what any hard working citizen should have to go through. Payments started being withdrawn on XX/XX/XXXX by the XXXX XXXX XXXX, already setting me two months behind since my loans were disbursed in XX/XX/XXXX. No explanation as to why. For some reason, my automatic payments stopped after XX/XX/XXXX from my bank, which was the last payment made to the XXXX XXXX XXXX and my loan servicing company was changed to XXXX XXXX. In XX/XX/XXXX my monthly payment didn't count as well. From XX/XX/XXXX - XX/XX/XXXX my monthly payments counted ( according to XXXX XXXX ), but those ACH transactions were never sent from my checkings account where the previous automatic ACH transaction were being withdrawn from. In XX/XX/XXXX, XXXX XXXX placed me in a forbearance without any explanation why. On XX/XX/XXXX, the first ACH withdrawal from XXXX XXXX appears. The XXXX program I qualified for, paid XXXX and without my consent, they place my loans in a paid ahead status from XX/XX/XXXX to XX/XX/XXXX, which does not qualify monthly payments towards the 120 total payments of the PSLF program. This pushed my loan even further from being forgiven. In XX/XX/XXXX they confused my loan with my XXXX XXXX obligation and converted my XXXX XXXX into loans, despite the fact that I met all requirements for the XXXX XXXX. I spent weeks trying to send them documents proving my XXXX XXXX obligations was met. Finally they converted my XXXX XXXX back into a XXXX, however, they made a mistake and put my PSLF in forbearance instead of my XXXX XXXX while they investigated the situation. Pushing me further back from my goal. Later on, I'm placed on forbearance again in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX due to documentation in which, according to them, will not be received in time that will verify my income for the income based repayment option the PSLF program requires. They blame me for not sending the documents in time when each time I have submitted the paperwork, the paperwork that was submitted was not filled out correctly to optimize the lowest monthly payment I am able to afford due to bad consultations over the phone and poor customer service from people that worked there getting back to my concerns. Their lack of communication and lengthy clerical processes to address any issues put me in a corner with only two options : to pay the regular monthly payment close to approximately {$900.00}, which I can't afford, or place my account on forbearance. The total delay to my PSLF program, due to clerical issues and the mishandling of my loans, has totaled 21 months. That's almost two more extra years that I will have this financial burden after I have done everything on my end to keep my monthly payments on track.
Company Response: Closed with non-monetary relief
2019-05-01
Oxford, GA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I have been trying to get the amount of my income-based repayment plan payment corrected since XX/XX/2019. Last year my husband and I had our student loan payments more than double without any change in our income due to a mistake made by XXXX XXXX XXXX when we requested due date changes on our accounts. Because we could not afford the new payments I put my loans into a forbearance.
I have applied for the REPAYE income-based repayment plan and this application has been " processing '' for nearly three months now. I make phone call after phone call and no one at XXXX XXXX XXXX seems to have any idea what is the problem.
When I spoke to a representative from XXXX XXXX months ago I was told that my estimated loan payment will be around {$170.00} per month. It is currently at {$280.00} per month. I have inquired multiple times in order to verify my payment amount with XXXX XXXX and in over two months I have gotten no reply.
My husband 's situation was corrected after filing a complaint, so I am doing the same so that my situation might also be corrected.
This message has been showing up when I login to my online account : Income-Driven Repayment ( IDR ) Resubmitted We received your IDR request.
At this point, we will notify you if your request is put on hold or if any additional documentation is needed.
At this point, we will notify you of the outcome of your IDR request.
We received your IDR request on XX/XX/2019. We will review your request and send a follow up email by XX/XX/2019. This email will detail next steps and any additional actions needed. Reminder : Continue to make your normal monthly payment amount until you are approved and receive a bill with your adjusted monthly payment.
I still have not received any correspondence/email from XXXX XXXX.
Company Response: Closed with explanation
2019-05-01
CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: My income driven recertification form ( XXXX XXXX. XXXX ) was provided to XXXX on XX/XX/2019. The recertification reason, as checked in box number 1, was " I am submitting documentation early to have my income-driven payment recalculated IMMEDIATELY. '' However, XXXX mis-read that the box checked was the second box which states " I am submitting documentation for the ANNUAL recertification of my income-driven payment. '' This is not the box that I checked, and my signature on the form provides evidence of this fact. The annual recertification is in XXXX. I paid {$240.00} on XX/XX/2019 and at that point I had a XXXX balance, with reference to my billings. I timely uploaded my paystub on XX/XX/2019 which show my income is below the poverty level. At that point and going forward, billings should be XXXX. Instead, XXXX has continued to bill me for {$110.00} until XXXX because they interpreted the box in number 1 of the form XXXX XXXX to be the second box ( as outlined above ). They have continued to bill me monthly, with interest, after XXXX, 2019 instead of XXXX monthly billings.
We called them and emailed them on numerous occasions in attempt to resolve these issues.
Company Response: Closed with explanation
2019-05-01
W Chester, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-04-30
Baltimore, MD
Problem with a credit reporting company's investigation into an existing problem
Student loan: Federal student loan servicing
Problem with personal statement of dispute
Company Response: Closed with explanation