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 53
2019-04-19
Shulerville, SC
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Complaint: I have a consolidated loan from 2010 that is in repayment and I didnt want repayment stopped when I enrolled in XXXX. I completed a form as such. I recently found out they applied that to another loan that was in deferment while I was attending school which there is a recording that I stated only on the 2010 loan consolidation. I have tried for several months to get this corrected with them and there have been a flurry of phone calls to them and Everytime I call there has to be another form completed with another department but it is causing creditors to drop my credit and my credit report has taken a serious hit. When I called today, I challenge you to listen to their recording as they said there is no one that I can call to complain and they say I just have to wait another 30 days. This has been going on since XXXX and it's unacceptable that an agency can cause this much disruption to an individual 's life. Several reps stated it was the agency 's fault and, Ordered the paperwork and stated it was a simple electronic process to the credit bureau. In today 's age, this should not be allowed to fall through the cracks and they should do what they said in XXXX.
Company Response: Closed with non-monetary relief
2019-04-19
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: There were a total of three letter asking verification for a presumption of 60 day late on my account. They were delivered XX/XX/2019, XX/XX/2019 and XX/XX/2019 respectively. I haven't receive any verification from AES that my account is being properly reported to the credit report. They have failed three times to provide me that information.
Company Response: Closed with explanation
2019-04-18
Tualatin, OR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-04-18
Andover, MN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-04-18
Salton City, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: XXXX XXXX misinformed me and by using what I consider a dishonest scheme, my payments over 9 years have not paid down my principal amount. My total payments to date have all been applied to interest. During that time I've made consistent payments by automatic withdrawals. It appears that without my consent, I was placed under a repayment plan that wasn't paying down the principal amount.
I reached out to understand what was going on with my payments and I got no solution.
Company Response: Closed with explanation
2019-04-18
MN
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: On XX/XX/2019 I called XXXX XXXX twice - but talked to three different individuals. The first call was with a very nice agent, but she asked me many questions ( most of which I did not know the answers ) and she told me to guess on the answers. Well, it was not clear to me why she was asking me the questions and that it would impact the monthly payment amount. She put me on hold many times when I told her the amount that she stated would not work for my family situation ( my husband has been unemployed for 4 years and has been in the process of applying for XXXX ). What I now know only because I did my research online is that she was trying to figure out how to reduce the payment through some of their various programs. She told me at one point that I had reached the maximum forbearance time which I thought was interesting as that had never been communicated to me in any previous communication with them ( a time limit was never provided ). Once I spoke with my husband and got the correct amounts for the financial questions they were asking I called back. This individual gave me a lower monthly payment, but it was still not doable. I called again and asked to speak with a supervisor ... the person was very hesitant and I told her that I was concerned that I was not being presented with any detailed information. She put me on hold and said she thought she could help me with some options. All of a sudden I had a different person on the line - she told me her name, but not her title. I assumed she was a supervisor, but she didn't have any different knowledge, but just spoke more eloquently ... .in fact, the number the previous person had provided she said was far to low than what they ever approve and so she raised it back up. I had no clue what she was talking about ... the inconsistency is absolutely crazy ... and the lack of communication regarding options. I called my husband and by that point in time he had been on their website and found many options articulated, entered the information and the monthly payment went down even further than what the lowest one was ... again ... this is crazy. It feels like this was purposeful in that they don't want you to understand what your rights and options or what you may be available for ... .they just want your money ... which I get, but it's sad when I can work with other companies to collect their debts and they are understanding and provide information ... .this company is not transparent and dishonest in their practices.
Company Response: Closed with explanation
2019-04-18
MA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: In XXXX ( week of XX/XX/XXXX ) XXXX I initiated a review of 8 or 9 payments that were rejected incorrectly and was told that it would take 1 year to review them. Last week on XX/XX/XXXX I received a communication from Fed Loan stating " As a result of a review of your account records, an adjustment was made to the number of qualifying payments in our system. The adjustment resulted in an overall increase to the number of qualifying payments we have credited to your loan ( s ). '' Unfortunately, though they stated my payments increased they actually decreased from 82 to 81. Not only that but when I called to talk about it on XX/XX/XXXX I was told that there was no information on the dates that were supposed to be reviewed and the process was halted when this false letter was sent out. She said it was a " blanket letter that was sent to everyone ''. How could that be when there are specific payments on that letter?! This means that I've been waiting 7 months for nothing. In fact, worse than nothing, they took one away that I had to fight to get on there. They also told me they would restart the review process for the dates that I called about in XX/XX/XXXX. They also said that they could not give me a timeline for how long it would take to review them. The payment that was taken away, payment number 82 was given to me in XX/XX/XXXX after sending in a letter asking to have an administrative forbearance lifted from XX/XX/XXXX-XX/XX/XXXX and she said that she would be able to put that one back on, though I don't see it yet and I'm afraid will get lost in the shuffle of errors and corrections that have been made over the last 10 years of my payments. All of the supporting documents are uploaded to this complaint as evidence.
I need help recouping the payments that I made that they are " reviewing '' immediately. They've gotten it wrong for years. Their review periods are exorbitantly long, have halted for no reason without notice and I've again received false information regarding how to move forward. The following are the dates that I asked to be reviewed in XXXX of XXXX and were not. The reasoning behind needing credit for them is also below. I wish I could be paid for the hours and hours of my life stressing about this, talking on the phone about this and complaining about this. Paying a huge payment every month should be the hardest part. Please help me get the credit I deserve.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX : FedLoan stated that all of the dates above were outside of the ECF period but they now have the employment verification necessary to qualify the payments. I was working at XXXX.
XX/XX/XXXX : As stated above I was credited this payment after sending in a letter on XX/XX/XXXX but it has since incorrectly been removed.
XX/XX/XXXX : Initial review stated that " there was no payment due '' I was told twice that this was an error that could be fixed since there was a payment due and I made the payment. This is the month they review my for my IBR and should've been credited the payment. This happened the following year as well as in XX/XX/XXXX -- an obvious and consistent problem with their accounting.
XX/XX/XXXX : Initial review stated that " there was no payment due '' I was told twice that this was an error that could be fixed since there was a payment due and I made the payment. This is the month they review my for my IBR and should've been credited the payment. This happened the previous year as well as in XX/XX/XXXX -- an obvious and consistent problem with their accounting.
XX/XX/XXXX : I was incorrectly told that this XXXX dollar payment would count so FedLoan stated that I could pay the remaining XXXX to get credit for it. That balance was paid on XX/XX/XXXX and still has not been credited to my account. Here are errors piling on top of one another!
Company Response: Closed with non-monetary relief
2019-04-18
Alexandria, VA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: To Whom It May Concern : I am having issues with XXXX XXXX accurately counting their monthly payments as qualifying towards Public Service Loan Forgiveness. I began paying my first payment pn XX/XX/XXXX with XXXX XXXX and have been on qualifying repayment plans since then. I have also completed at least three separate Employment Verification Forms since then, which have been accepted. I have always made automatic on-time monthly payments while working for approved employers. I worked full time for a non-profit organization from XX/XX/XXXX to the current date without a break in service. XXXX XXXX informed me that some monthly payments have not counted despite no changes in my employment status and the lack of any late payments or forbearances. I have never applied for any type of deferments or forbearances. Customer services representatives give me different information each time I call. Ten months ago, the company initiated a recount of my qualifying payments. Since then I have requested ( in writing ) documentation of the other alleged deferments and forbearances as well as a list of which monthly payments have not qualified as to a basis for the initiation of their investigation. I have not heard from them at all. On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payment under PSLF program was 12. I have made 23 qualifying payments to date.
As instructed, I submit my Employment Certification Form on a regular basis. I seek the assistance of the CFPB, I've devoted my career as a public service employee and have abode by the rules of the PSLF program. XXXX XXXX is not accurately counting my qualifying payments towards the Public Service Loan Forgiveness program. My qualifying payments should be at 23 and each one should be counted going forward.
Company Response: Closed with explanation
2019-04-18
Klamath Falls, OR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: XXXX reported seven of my loans to the three major credit bureaus as being in default and ruined my credit. This is false as I have made every payment I was supposed to make under my IDR plan at that time. I am on a new recalculated IDR plan to repay my loans. I had all my loans that XXXX services in forbearance ( they didn't offer me deferment ) from XX/XX/XXXX - XX/XX/XXXX because I had a substantial drop in income. I was on an IDR at that time and could not pay the {$190.00} for that seven months. When my forbearance ended XX/XX/XXXX I received an email from XXXX that my XXXX payment for {$190.00} was due which I paid. In XX/XX/XXXX I received another email from XXXX that it was time to re-certify my IDR. I mailed the paperwork to them on time and two new IDRs were approved for the different loans for a monthly payment of {$140.00} which I paid for XX/XX/XXXX.
Since I have been consistent with my payments ( I have to make my payments at the end of each month for that month as that is when I get paid ), there is no way my loans can be in default. I have followed all instructions for my payments and I have made all payments per my IDRs and none have been over 15 days late. It is not right that I was reported to the three major credit bureaus as being in default and that my credit is ruined now to the point I can't do anything. I received default notices in my XXXX paperless inbox that I don't understand, nor do I understand how I can be in default on loans that were in forbearance for seven months. How can my payments be 120 days overdue when I've made all payments as required by my IDRs when my loans weren't in forbearance?
When I made my XX/XX/XXXX payment, my account said I currently owed {$1000.00} - plus my IDR payment of {$140.00} for a total of {$1200.00}. Where did the {$1000.00} come from? I had not received any notices about it and all of a sudden it appears. It wasn't there when I made my XX/XX/XXXX payment, and how can I owe that much for a payment? If I could make payments that size I wouldn't request and IDR each year. When I logged into my account XX/XX/XXXX, the balance due was {$920.00}. Apparently the XXXX payment I made went toward that balance that came out of nowhere. I called XXXX the same day and and spoke to a customer service rep who said she could put a forbearance ( again I wasn't offered a deferment that doesn't cost me more money ) on that amount and my account would show only the {$140.00} that is due each month. Now my account shows I have a balance of {$680.00} that is past due. This can't be correct because I have made all payments per my IDRs as agreed. The forbearance the customer service rep I spoke with on XXXX apparently was from XX/XX/XXXX - XX/XX/XXXX and I made payments for both months. I do not understand this.
I am being jerked around and I was given incorrect information on XX/XX/XXXX when I called and talked to the XXXX customer representative. I am unable to pay anymore than the {$140.00} ( I can barely scrape that amount up ) per month per my two new IDRs, and that is all I can pay for my XXXX payment which will be made XX/XX/XXXX when I get paid. I work only part-time and my income varies by the number of credits I am given to teach each term. My family and I are barely scraping by. During the XXXX call, I also asked if I could change my payment date so my payments wouldn't be 15 days late ( a different XXXX rep told me at a different time during a different call that it is okay for my payments to be less than 30 days late as they won't be reported as being late ) and the customer rep I spoke to on XX/XX/XXXX said I'd have to call back and ask for a due date change. The rep put me off - why should I have to call back?
Company Response: Closed with non-monetary relief
2019-04-17
Columbia, MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-04-17
Orlando, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-04-17
IN
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Complaint: I qualify for an Income Drive Repayment Plan. I have a reminder set to apply every year on the same day. For the past few years, XXXX will take a very long time to process the IDRP. Once they process it, they will mark my account as having late payments for the previous year. My credit score will drop 100-150 points. It takes months to fix it with the credit bureaus and also with XXXX. They make me submit it 2-5 times every year. They will tell me I filled it out wrong and need to do it a different way. I'm sitting on 2 months now dealing with this issue this year. It's like this every single year.
Company Response: Closed with explanation
2019-04-17
Lakeville, MN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2019-04-17
Queens, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have been enrolled in auto-debit with fedloan. Payment did not get withdrawn on time and there was no note on the website acknowledging that the payment was pending. In order to prevent a late payment on my loans, I submitted a manual payment. Afterward, I called fedloan and the representative told me that just one payment was pending. Then, the next day, the manual payment went through and my auto debit withdrawal went through, so I ended up submitting 2 payments instead of 1. When I called fedloan, the representative said that I will receive a refund of the payment I submitted manually within 60 days. The representative said I will not receive an email or any record confirming that I will receive a refund.
Company Response: Closed with explanation
2019-04-17
Greenwood, WA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-04-17
Rollingstone, MN
Credit monitoring or identity theft protection services
Student loan: Federal student loan servicing
Billing dispute for services
Complaint: I applied for a review of my income-driven repayment program XXXX. I received a letter dated XX/XX/XXXX sating there was missing paperwork. I mailed the proper documents that month. My credit score dropped 83 points in XXXX. XXXX XXXX claims the approval process for the IDR repayment program takes weeks and the company reported neg during the process. I asked why wasn't the IDR program started in XXXX instead of XX/XX/XXXX or at least when my paperwork was submitted to no answer. The loan is now in forbearance as it should have been until the IDR repayment program started instead reporting neg. I have disputed the reporting status looking regain the 83 point lost on my credit reporting angecies and XXXX XXXX should report the proper status of my account.
Company Response: Closed with explanation
2019-04-16
Brandon, MS
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with non-monetary relief
2019-04-16
Bowie, MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-04-16
Arvada, 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 explanation
2019-04-16
Las Vegas, NV
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
2019-04-16
Primm Springs, TN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-04-16
Taft, OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: I have a loan that was previously serviced by XXXX XXXX, but was transferred to American Education Services ( AES ) in XXXX. Prior to the transfer I re-certified my Income Based Repayment ( IBR ) plan through XXXX XXXX. I received a confirmation from XXXX XXXX that my IBR application had been approved on XX/XX/XXXX ( see attachment ). Subsequently, my loan was transferred from XXXX XXXX to AES. AES sent me a letter in XX/XX/XXXX saying that if I did not re-certify my IBR plan by a date in XX/XX/XXXX ( a date that had already passed ), interest on my loan would be capitalized and I would have a new monthly payment amount.
I called AES immediately and was assured that the IBR application was probably not processed yet. I was asked to send my confirmation from XXXX XXXX that it had processed my IBR application. I faxed the same attachment that I have included here. Weeks passed and I did not hear from AES about whether they had fixed the problem. I called again and was told that they had located my IBR information and they would fix the problem.
On XX/XX/XXXX, AES erroneously capitalized {$670.00} of interest on my loan and added it to the principal. It also increased my monthly payment amount from {$10.00} to {$50.00}. I again contacted customer service and was told that they were aware of the mistake and were working to fix it. Nothing happened. Eventually my payment amount was lowered to $ XXXX/month and I was told that my IBR status had been approved. However, AES did not remove the interest capitalization from XX/XX/XXXX. I called customer service again and was assured that the capitalization takes time on their end to correct but that they were aware of the problem and would fix it.
It is now XX/XX/XXXX and nothing has been done to remove the erroneously capitalized interest from my loan. I do not relish the idea of speaking to a clueless customer service agent from AES again and going through the whole story. It has become clear that AES does not intend to do anything to address the problem. Interest was erroneously capitalized on my loan, increasing my principal balance. This is akin to theft.
Company Response: Closed with explanation
2019-04-16
Cameron, NC
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
2019-04-16
Rockwell, NC
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: At XXXX XXXX XXXX I began college in XXXX. I went to XXXX XXXX University. I was the first male in my family to attend college. My parents did not make XXXX a year with XXXX younger kids at home. After doing all the paperwork I was set to go, with some grants, track scholarship and small student loans. At the time I did not qualify for any VA benefits due to my father would receive his just dues from his XXXX XXXX in XXXX. He would receive those benefits until 10 years later ( XXXX % XXXX ). The back pay didn't go back far enough to cover my school. At the time XXXX was the cheapest University in the XXXX. As time went by the loans grew more and more each year. I couldn't work at the the time due to XXXX rules for athletes. I majored in XXXX and after track ended I worked full-time and went to school part time. Loans grew slightly more over time.
While going to school part-time my loans defaulted. I didn't find out until I lost a Federal Tax Return. By then loan had doubled. It seemed that ever time it switched collectors XXXX was added in fees. I was given a number to call to get it all straighten out. From this point I was told several lies. I was told that if I consolidated the loans the fees would be taken off. Wrong. I was also told that my tax returned collection would be reversed because of the economic hardship it created at the time. Wrong x 2. It wasn't much but return would have paid my {$320.00} rent that month and got me caught up. Instead I have been struggling ever since.I went several years working low paying and high responsibility restaurant jobs. Several years with barley enough to make end meet.
In the last 5 years things have been on an up swing but I have a dark cloud from the past over my head.My employer revived a letter of garnishment to take 15 % after taxes out of my check. I was then offered rehabilitation program to try get this all to level I could Pay. I paid {$20.00} a month for ten months. I was promised that all fees and interest would be waived with completion of program. After completing the program I was told the fee from before the consolidation could not be removed and I would owe may more. And take an heavy tax burden as well.
I can't afford to make payments that are required. The burdened has now grown because I got married. Do I get divorced??
Here are the numbers : XX/XX/XXXX to XX/XX/XXXX Loan were roughly {$17000.00} XX/XX/XXXX Discovered loan had defaulted {$27000.00} From XX/XX/XXXX to Today {$70000.00} I make XXXX per year and so does my wife.
We have family of four.
I would be almost XXXX XXXX XXXX under the current high payment.
I having a hard time buying a better home my family because my DTI is 170 % There is barley anything left over at the end of the month as it is.
This loan was not granted with that same toughness as a mortage.
I was given this loan with no money, only a potential to make income???
I should have qualified for grant based of income. Yet I was served up Student loan.
Company Response: Closed with explanation
2019-04-15
New Britain, CT
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with non-monetary relief