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 55
2019-04-12
NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: On XX/XX/XXXX, I called regarding myXX/XX/XXXX loan payment because my loan forgiveness eligibility was approved. I inquired about another income based payment that would keep me eligible for the Public Loan Forgiveness Program ( PLFP ), but would allow me to make lower monthly payments. I was told about another income based program that would lower my monthly payment. Once I verified that I would still be eligible under the same loan forgiveness program, I requested to switch. I was told once I was deemed eligible, I would have to make a {$5.00} payment on the exact date, so that month would go towards my 120 month payment requirement. Today, the took the payment ( over {$850.00} ) out of my account under the plan I am trying to change. I called and I was told the {$5.00} fee applies to next month ( XX/XX/XXXX ) not this month. I explained that is not what I was told. They offered to refund the money ; however, it would look like I didnt make a payment towards my 120 month payment requirement. I dont understand why I would be eligible for one income based program and not the other. Additionally, I am being penalized for their mistake and their inability to process my request in a timely manner. I am also writing this complaint just in case at a later date they tell me I am ineligible for the PLFP because I switched payment plans. I made sure I asked about it several times. Unfortunately, I can not trust XXXX XXXX.
Company Response: Closed with explanation
2019-04-12
Tarzana, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I writing to complain about the IDR repayment plan and the failure of PHEAA, through both AES and MyFedLoan, to properly determine eligibility, calculate payments, and process applications in a timely manner. Every year, both my spouse and I, submit our applications timely and they never get it right. Either they deny eligibility, though we are clearly eligible under the guidelines, they fail to calculate our payments properly, and they take longer than any other servicer to process IDR applications. This corporation should be stripped of its ability to service federal student loans and their servicing portfolio should be distributed to other student loan servicers. For example, XXXX has done an excellent job so far. I encourage you to review the accounts serviced by PHEAA. I personally have experienced an unnecessary capitalization of interest to principal and prolonged delays in getting my loan properly serviced. I dread dealing with them on an annual basis and dream of the day that my ( and my spouses ) loans will be transferred to another servicer.
Company Response: Closed with explanation
2019-04-12
PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: My student loans were in default. Last tax year XXXX, IRS garnished all {$9000.00} of my tax return to pay on this loan. This past XXXX tax year, IRS took the remaining {$4000.00} to finish paying the loan off. As of today, this account still shows that it is a collection! It is not, it is paid in full and should be saying so. It is hurting my credit report extremely negatively when I try to get new credit. This needs to show that all of the loan accounts are paid in full and needs to get off of my credit! ASAP. This is ridiculous, it's been over a year since payments have been applied!
Company Response: Closed with explanation
2019-04-12
Midlothian, VA
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'm writing to complain about my XXXX Account ( # XXXX ). The issue is credit reporting on loan sequence XXXX & XXXX. On XX/XX/2019, I spoke with XXXX XXXX. I learned that XXXX XXXX already sent the electronic loan sequences supposedly to each of the bureaus to be reinstated. Today, I learned by speaking with XXXX and XXXX that the information is still not reinstated on my file.
Company Response: Closed with explanation
2019-04-12
Sarasota, FL
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: I inadvertently re-certified my income too soon and the information provided was from my XXXX tax return. When I realized this had happened, I sent the information from my XXXX tax return. They were quick to process the high income error, but have refused to timely process the information with my actual income. I make significantly less money now and as of this moment, I am self- employed and struggling. I called back in XXXX and was told that I need to submit additional documentation, so I uploaded my pay stubs as requested. I no longer work there and the payment calculations are incorrect and I can not afford it. I went back in and submitted my XXXX tax return information via the IRS retrieval tool in XXXX. My payment still hasn't been re-calculated. I submitted this information yet again and it's still being processed. I can not afford these payments. I have submitted the documents multiple times electronically and they are just sitting on them. It's funny because XXXX has already processed the same requests as XXXX because they were sent everything automatically at the same time. I want this resolved now. This is totally unacceptable and I am seriously considering legal action.
Company Response: Closed with explanation
2019-04-12
Rocky Ridge, MD
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: In XX/XX/XXXX, I reached out to XXXX via telephone to request paperwork to extend my deferment. I was told that I would receive it via email. It never came ( and I did check my Spam folder multiple times ). I reached out again XX/XX/XXXX and again was told they would send it via email - it never came. I called again in XX/XX/XXXX and the representative let me know that I could request the extension online. I immediately completed the request online and it was processed to be in effect retroactively.
I am now in the process of purchasing a new home and discovered that only has my credit score taken a hit hit, but I have 6 late payments on my credit record. I've contacted FedLoan multiple times in XX/XX/XXXX and XX/XX/XXXX and this will not assist me in clearing up my credit report. They have informed me that even though the deferment was applied retroactively, the payments are still considered late. This makes no sense as per the deferment there were no payments due. They are rude and extremely unhelpful on the phone. I am about to lose a lot of money and a custom built home because of this. As someone who has an excellent payment records on all my other accounts, this is extremely distressing to me and very unfair. I have filed a formal dispute with them, but based on my phone calls with them, I don't have high hopes that they will do the right thing and correct my report.
Company Response: Closed with explanation
2019-04-12
Wesley Chapel, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: XXXX XXXX SHOWING AN LOAN ON MY XXXXXXXX XXXX AND XXXX THAT IS NOT MINE
Company Response: Closed with explanation
2019-04-12
Alafaya, FL
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
2019-04-12
Sebring, FL
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Complaint: Please know this is in regards to a closed/paid in full account.On all three credit bureaus my account with XXXX is showing a delinquency beginning XX/XX/XXXX, which is reporting as 60 days late. I had reached out to XXXX to request verification of when my account first went delinquent through their online website. I never received a response from them. I feel I have the right to know and seek validation. On their site I did verify my pay off date as XX/XX/XXXX and on the same document is says my account had " 0 '' delinquent days. Therefore, I would like to obtain verification since all three credit bureaus are reporting 60 days late as of XX/XX/XXXX, 90 days late as of XX/XX/XXXX and 120 days late as of XX/XX/XXXX. This is adversely effecting my credit ratings with the bureaus. Also I do not understand why if my account is closed that they would still be producing letters to send to the IRS. My account is closed with them and there should be no further documentation produced in reference to a loan that was paid off.
Company Response: Closed with non-monetary relief
2019-04-12
Patterson, MD
Getting a loan
Student loan: Private student loan
Fraudulent loan
Complaint: Since XX/XX/XXXX, National Collegiate XXXX XXXX has been pursuing a case about a student loan they said I owe. Over time I have asked them to submit the proof and nothing has been done. Since XX/XX/XXXX, they called and harassed me by phone and mail. I put in a cease and decease letter and they finally stopped and pursued a court case against me. I have submitted letter after letter to the law office and to the court. I have gone has far as sending the published legal case against this company but it has been ignored. I am reaching out because I need legal assistance with this matter but do not have the financial funds for a lawyer. I need to know how do I get help with this matter. The legal tea for NCT has now submitted this interrogatories questionnaire that I do not feel that I need to fill out because it would only be used against me in court. My court hearing is XX/XX/XXXX. I also researched that I had a loan with AES but when I filed for Chapter XXXX bankruptcy, AES cleared by debt entirely and NCT was the holder for them and still they are pursuing this loan. I need assistance with this case as soon as possible. I have attached all the documents I have regarding this case.
Company Response: Closed with explanation
2019-04-11
Carmichael, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with non-monetary relief
2019-04-11
Little Rock, AR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with non-monetary relief
2019-04-11
Norman, OK
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
2019-04-11
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
2019-04-11
Herndon, VA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-04-11
Bis, ND
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: After four unsolicited " transfer or sold '' servicers of my student loans, I have been with FedLoan since XXXX of XXXX. I have been working toward the PSLF program having submitted my first employer verification form in XXXX of XXXX, another on XXXX, XXXX and XXXX. I have worked for the same agency 18+ years. I first contacted Fedloan in XXXX of XXXX asking about my " qualifying payments ''. They responded that I had 11 qualifying payments. I then made at least 4 email inquiries asking them what form of proof I needed to submit to prove additional payments had been made and under the correct plan. I then contacted them in XXXX of XXXX, and was told my payments were still at 11. I contacted them in writing again in XXXX of XXXX and received a response from them in XXXX of XXXX saying I had 11 qualifying payments, after I had made at least 30 qualifying payments directly to them. I then spend endless hours reviewing an gathering my documents which proved qualifying payments. I once again requested an update on my qualifying payments and was told I had not re-certified my employment, which once again I had, but I resubmitted it. In early XXXX of XXXX I logged into U.S. DEPARTMENT OF EDUCATION, NATIONAL STUDENT LOAN DATA SYSTEM ( NSLDS ) and they reported that I had made 114 monthly payments made ( 114/120mo ) 95 % toward my PSLF. I contacted them again and asked how to get this corrected. they told me that the NSLDS was incorrect, and that only Fedloan could decide my qualifying payments, and it could take 3-6 months to do so. I once again asked who could receive my proof of payments and they said they did not need them as they had all of the history on my student loans. They then failed to process my IBRP paperwork that was sent on XX/XX/XXXX, so my payment jumped to XXXX a month which caused me overdrafts at my bank, and for ht first time on years for my loan payment to be late. I got that resolved an returned to my auto pay, Today I checked to see what they had for " qualifying payments '' and it said 71. I then logged innto the exact same U.S. DEPARTMENT OF EDUCATION, NATIONAL STUDENT LOAN DATA SYSTEM ( NSLDS ) and found they had changed my qualifying payments to 71 as well, in addition to other information on the report being changed. I have every document needed to prove payments were made that far exceed the 71 I am currently being credited with including credit bureau records. I could produce all email contacts and proof of my inquiries since XXXX. I can not begin to count the hours I have spent trying to resolve this discrepancy. I am now over the 120 payments and will need to continue to make payments to protect my credit. This is illegal in every way, but allowed because no one is in charge.
Company Response: Closed with explanation
2019-04-10
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 am with fedloans and somehow 2 of my loans went delinquent even though I am on IBR and my amount is $ 0 monthly ( 2 loans stayed active and 2 went in default ). It resulted in my tax refund getting taken {$6200.00}!! I needed that money for my 2 little kids and we are so behind on bills now. When I found out, I consolidated the loans back to IBR and {$0.00} repayment but they put the entire {$6200.00} on the loan even though it wasnt defaulted anymore and the offset was removed.
Company Response: Closed with explanation
2019-04-10
Key Biscayne, FL
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: I was looking to consolidate my student loans all into one company and upon trying to complete the application for consolidating I was shocked at how much I still, after 10 years of paying, owe on my loans. When I questioned my father who had completed all the applications he was equally as shocked. When I investigated further I asked my school for an account summary of everything that came into and out of my account, which they provided quickly. I noticed very easily that there were two loans specifically that were not there on this account summary. I called AES and they sent me the credit agreements. The loans were there on those agreements but not on my account? AES told me the disbursement was made to the school. The school says they never received and the disbursement was made directly to my father. My father states that he has never had that kind of money ever. And further more, why if he had received that disbursement would he have used his credit card to pay the school. I have submitted to receive his bank statements from the months that these disbursements supposedly took place. Every time I ask AES for anything its a 7-10 business day wait for their response. This is wrong given that they've collected principal and interest from almost {$20000.00} for over 10 years.
Company Response: Closed with explanation
2019-04-10
Cloverly, MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-04-10
Philadelphia, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I defaulted on student loan serviced by AES from XX/XX/XXXX-XX/XX/XXXX due to hardship. My husband was XXXX leaving me to pay many bills debts, lawyer fees alone for a year. AES closed account & listed as defaulted on my credit report causing my credit score to drop over 100 points.
My loan has since been transferred to PHEAA & reported as new loan on my credit report. for nearly the same amount as my original loan with AES. This loan amount also includes astronomical collection fees which I find unfair considering these two companies are within the same entity.
In XX/XX/XXXX I began receiving letters from PHEAA, threatening to garnish my wages if I didnt establishment payment agreement by XX/XX/XXXX.
XX/XX/XXXX I submitted Tax info & established payment arrangement with PHEAA and made a payment of {$200.00} via AES. I found this odd my payment was accepted by AES however, PHEAA is tacking on collections charges.
I openly expressed I could not afford this payment agreement despite this being the amount established based on income, dependents and bills incurred monthly ; which I believe has been calculated incorrectly. PHEAA was unable to lower monthly payments & assured me XXXX dollars is enough to survive for a month with two dependents not including self.
XX/XX/XXXX I receive letter from PHEAA stating my new payment would be {$230.00} despite {$200.00} agreement based on info. Submitted via email. XX/XX/XXXX I call PHEAA to figure out why my payment amount changed. I was told I provided incorrect info. Even though I submitted all financial info. Via email same day. I was also told that my {$200.00} would not be applied to agreement until I pay {$32.00} more. Customer service rep. Was also incredibly hostile with providing answers to my questions.
I was also informed PHEAA couldnt provide me with an account statement & collection cost bill.
I also feel the school I attended should have been responsible for said loans considering The school closed and defaulted on promises made when I originally signed the loan agreement which was lifetime job placement and refresher courses. I have not worked in the field in which loan was acquired for since the demise of that school
Company Response: Closed with explanation
2019-04-10
Philadelphia, PA
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Billing dispute for services
Complaint: This is regarding the Fed Loan DEPT. I have new proof that they were not suppose to get my new servicer, XXXX XXXX to add in any direct plus loans from my daughter 's college, XXXX College XXXX XXXX XXXX XXXX in with my consolidation loan I did with XXXX XXXX. I received an email from the " Borrower Defense Refuns Cancellation DEPT '' that if I requested the loans for this college to be put on freeze, this is allowed until the investigation against this school for frauding loans, allegelly, has been determined. I have contacted XXXX XXXX to change the online consolidation back to remove al of the loans from XXXX College or I will cancel it ... This isi my right as the consolidator applicant.
I will provide proof from this dept. Also, the Fed Loan dept. responded to my letter that they had already frozen the loans due to them being under investigation. I never spoke with them about having problems with these loans in regards to needing help with payments! It was about why so many were requested only!
Also, if you review the total expenses of the college during my daughter 's one year enrollment which was from XX/XX/2017 to XX/XX/2017, review the copies of her financial aid summary that I provide, ( not from the financial aid office since you may not be able to trust unless you comopare their statements with mines ... ), you can clearly see, she had enough financial aid form grants, scholarships, Stafford loans not to need the amount I am now showing that the school borrowed & are trying to make me repay by sneaking them on my credit report & in my consolidation! Some nerve! It is clear that the amount of the tuition & other expenses deducted by the financial total amount she had doesn't equal the amount of loans they got which is {$130000.00} in direct plus loans which exceeds the {$55000.00} limit of this kind of loan anyway! No way they can not be found with no fraudulance. Even the amount of the loan only has a {$55000.00} limit. Please, tak note of this.
Thank you Miss XXXX
Company Response: Closed with explanation
2019-04-09
Asheville, NC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: They have yet to settle an issue related to how many qualifying payments I have made under Public Service Loan Forgiveness. I have called repeatedly for over a year and there has been no progress.
Company Response: Closed with explanation
2019-04-09
CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I have made payments to my student loans under the " Public student loan forgiveness program '' as I am a XXXX XXXX. I have sent in numerous employment verifications to this company as they have lost them. I joined the program on XX/XX/XXXX. to date I have made near 45 payments that are qualified which means according to the companies own website as, " The Public Service Loan Forgiveness Program is a federal program that forgives federal student loans for borrowers who are employed full-time ( more than 30 hours per week ) in an eligible federal, state or local public service job or 501 ( c ) ( 3 ) non-profit job who make 120 eligible on-time payments. '' I have done this in full compliance and have attached the payments made to XXXX XXXX since my loans were transferred from XXXX XXXX to XXXX XXXX in XXXX. Prior to this I made the qualifying payments through XXXX XXXX which I have been unable to obtain thus far as XXXX XXXX will not get back to me with the calls I have made requesting my payment details, and the web site will no longer allow me to log in since my account is no longer active with their company. My qualified payments need to be updated and I have attempted for the last year and a half to work with XXXX XXXX to get this updated and they are incompetent in performing their duties. please assist.
Company Response: Closed with explanation
2019-04-09
VA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: Hello, I am enrolled in the Public Loan Forgiveness Program with XXXX XXXX. Two years ago they miscalculated the number of qualifying payments that I have made to date and thus are stating that I still need to complete over 5 years of monthly payments to qualify for loan forgiveness. They suddenly changed the time left until forgiveness one day out of the blue. I have called them over 10 times in the last 2 years requesting that they recount my loan payments since I should only owe 3 years until loan forgiveness. Every time I call they continue to say that a manual recount can take months but again it has been over 2 years now and it still hasn't been completed. I finally got them to mail me all of my payment information so I could confirm how many payments I have completed on my mine and again I owe only 3 years and not 5 years. I like 2 years is an incredibly long time to not recount my payments and correct my date of loan forgiveness. Any assistance that you may be able to offer would be appreciated.
Thank you!
Respectfully, XXXX XXXX
Company Response: Closed with explanation
2019-04-09
Houston, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: As of XX/XX/XXXX I have e-mailed my loan handler several times in reference to a discrepancy on my loan balance. I picked up on the discrepancy due to an update on my credit report which shows it as a credit limit increase. However, the balances were current and the result of previous disbursement as it was stated on my financial aid reward. To simplify things previously opened account with balances were further charged not to cover for my expenses such as tuition but for purposes unknown to me.In fact, the form XXXX shows the accurate amount of {$11000.00} paid on tuition for academic year XXXX. However, after having contacted the loan handler and the school financial aid department alike the amount paid for tuition was adjusted to compensate for such additional charges. In any case, I am being overcharged by several thousands of dollars and no one is acknowledging the nature and gravity of the problem. I want to point to the fact that such issue could be consider criminal in nature considering the fact that it involves cash and actions that could be interpreted as fraud and theft. By my calculation the extra charges at least the one I found total around {$7300.00}. However, I wonder if such practice is unique to this situation or if it has been done several times before. Logically, requiring a complete examination of my complete borrowing history.
Company Response: Closed with explanation