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 58
2019-04-05
Portland, OR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I am working towards loan forgiveness through the Public Service Loan Forgiveness program. I should be credited with making approximately 98 " qualifying payments. '' Fedloan is crediting me with 23 " qualifying payments. '' Fedloan will not explain their analysis, nor will they even make someone generally available to answer my questions. They will also not give me access to my records that they have ( or claim to have ) from other loan servicers, including XXXX XXXX XXXX.
Additionally, part of the discrepancy is that lump sump payments were made on my behalf through the Department of Justice 's XXXX XXXX XXXX XXXX. There were 7 of these lump sums payments, putting me in " paid ahead '' status for 31 months. Fedloan is not counting these as on time payments.
Company Response: Closed with explanation
2019-04-05
Alexandria, 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: All three bureau have not updated my credit report regarding my credit history with XXXX XXXX for more than 10 year of establish credit history.
XXXX has not investigated XXXX XXXX 's medical bill that is in collection which was paid for by Medicare and Medicaid.
XXXX has not removed the bankruptcy from XXXX XXXX credit report after investigation show that the case is closed and dismiss.
All three credit bureaus as nodt conducted investigations regarding all inquiries on all three credit reports.
On XX/XX/XXXX my student loan that what's paid in full nevertheless none of the three credit report has my accounts il paid in full required by the law.
On XX/XX/XXXX all three credit bureaus delete it my student loan credit history after making a payment and XX/XX/XXXX.
All three credit bureaus has refused to conduct any investigation from XXXX to XXXX regarding student loan debt collection items and establish credit history There is no supporting facts to support that any investigation has been conducted.
All three credit bureaus has refused to conduct investigation from XXXX to XXXX under the fcra I am XXXX XXXX a limited on resources it has established my credit history why working with various difference institutions dividing my student loan debt nevertheless all three barrels are refusing to report accurate information from the department of education and XXXX XXXX
Company Response: Closed with explanation
2019-04-05
Alexandria, VA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-04-04
Mc Kinney, TX
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with non-monetary relief
2019-04-04
Bell Canyon, CA
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
2019-04-04
Buck, PA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: AES recently responded to a previous CFPB complaint about claiming they're under obligation to send correspondence through the mail for any loans going past due. If AES feels that what they're providing is the truth, then they should be sending all documentation highlighting where it says specifically that they are under 100 % obligation to send correspondence through the mail. If AES can not prove this, then they have no case and should be held under extreme scrutiny for Fraud. It's the same as if they were in a court of law and couldn't prove it, but claimed what they're saying is the truth. Until they prove what they're saying is true, it's honestly anyone 's word, and for all I know they could have been found guilty of committing perjury in the past.
It's pretty obvious that AES is starting to build a very unwanted profile of themselves. All you have to do is read any one of the MANY potential suits/complaints below or active suits below. Any consumer who has loans through this company should never trust this company and question every move they make. Sorry to be so exposing, but AES trying to claim they're doing the right thing without providing proof that they aren't is an attempt for them to play devil 's advocate.
https : //www.meyerwilson.com/AES-Student-Loans.aspx https : XXXX https : XXXX https : XXXX https : XXXX From XXXX ( if a company was so squeaky clean of any guilt, then you shouldn't have gotten a lawsuit filed against you to begin with, no? ) The lawsuit accused PHEAA of deceptive practices that caused public servants to lose benefits and financial assistance under two federal programs, including one that forgives student loans after about 10 years of public-service work.
Company Response: Closed with explanation
2019-04-04
Chicago, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: In XX/XX/XXXX I received a letter from XXXX XXXX indicating that my projected date for Public Service Loan Forgiveness ( PSLF ) would be XXXX of XXXX ( this document is attached below ). Within a few weeks, I called them regarding my recertification and they indicated to me a different date that was two months after the date on the document that they gave me. I told them that this was incorrect and that the date they gave me over the phone was in conflict with the letter I received. At that time they told me that there were 2-3 payments that needed to be reviewed to determine " officially '' what my date for PSLF would be. They stated this would take a couple of months. After two months, they said it would take four months, then six months, and so on and so forth. I called countless times to find out what the determination of the review was and it was not until XX/XX/XXXX ( a year and a half later ) that I received correspondence from them giving me what their new projected date for PSLF would be ( this document is also attached ). I told them that the new calculation was also inaccurate because it should be XXXX of XXXX, not XXXX of XXXX. At this time I spoke with a representative ( XX/XX/XXXX ) who told me that there was still a payment that was in dispute ( XXXX of XXXX ) because they said that the payment that I made was outside of my employment dates. This is false, they have all of my documentation which states my dates of employment and all of my payments have been directly taken from my account since the beginning of me repaying my loans. They told me that they would have to put this payment under " further '' review. This should have been calculated when they took a year and a half to do the first review! I called today ( XX/XX/XXXX ) and the representative told me that the payment in question ( XX/XX/XXXX ) has not even been put under review even after the lady told me it would be last month. Given the amount of time that it took them to review the first 2-3 payment discrepancy, I am not confident that they will figure this out prior to the end of my repayment process. The representative told me that if I overpay or end up paying too long because they haven't resolved the payment review, that they will give me my money back. This is laughable to me that they expect me to trust that they will return money to me when they can not even keep track of the payments that I have given them up to this point. I have been waiting far too long to have this issue resolved and every time I call their customer service, I am given an excuse as to how long the process will take or that the process has not even been initiated at this time. I truly hope to receive a swift resolution to this issue. Thank you!
Company Response: Closed with non-monetary relief
2019-04-04
Jacksonville, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-04-04
GA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Complaint: I've requested XXXX XXXX XXXX to dispute the negative, derogatory past history on my account being that the account is current and any issues were satisfied. However they refuse to do so.
Company Response: Closed with explanation
2019-04-03
Havana, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: There has been on time payment data removed from my credit file.
Company Response: Closed with explanation
2019-04-03
Ridley Park, PA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't temporarily delay making payments
Company Response: Closed with explanation
2019-04-03
Colfax, IN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: My complaint is with the Federal Loan Forgiveness Program. I qualify for the 10 year repayment part, work for a XXXX XXXX and filed for forgiveness. I was denied, saying I never kept the loan under the Stafford Loan for the entire time. I never had a choice in this. It was sold to XXXX XXXX and then to XXXX. I had no say in this. They said I agreed when I kept paying. How am I just going to stop paying my bills? I know I'd get garnished and sued by the government if I did. Just stupid. So now, being a model citizen and hard worker paying my bills doesn't help me at all with this program. And the program is to be for us, but basically is a sham not helping hardly anyone in reality.
Company Response: Closed with explanation
2019-04-03
Alexandria, VA
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
2019-04-03
Mid City West, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-04-03
Niantic, CT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: For the last 6 payments, from my payment on XX/XX/XXXX & XX/XX/XXXX to XX/XX/XXXX all of my payments to my FEDERAL UNSUB STAFFORD LOAN ( Disb. date XX/XX/XXXX ) has not lowered the loan debt amount of {$890.00}. The loan required amount to pay is {$24.00} and {$32.00}.
Why is it that even when I paid {$50.00}, that my loan debt does not go down?
I feel like I am being robbed. I am paying the amount required on this loan month after month, even some extra at times, but the loan debt amount has not gone don one ( 1 ) penny! I sent an email to them but they have not responded.
I need answers!
Company Response: Closed with explanation
2019-04-03
Skanawan, WI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I am writing regarding extreme disarray with the functioning of my student loan servicer, XXXX XXXXg. I received emails indicating that my loans were in a grace period after graduating. Therefore, I was shocked to discover a large debit from my checking account via my loan servicer. I reread the emails to be sure I hadn't misread the content, and I was able to confirm that they indeed stated that my loans were currently in a grace period. In order to have documentation of my contact with my loan servicer, I emailed my inquiry about the situation using my loan servicing account online and for weeks I did not get a response to my question. I called to follow up on the issue and was told that the email that was sent to me was not correct in stating that my loans were in a grace period. Only some of my loans were in a grace period, but others were not, which caused the large withdrawal from my checking account. The representative could not provide me with any information regarding why I had been sent incorrect information regarding the status of my loans.
Since I am taking care of an elderly family member with XXXX in lieu of working, I am unable to afford my student loan payments at this time. I applied for an Economic Hardship Deferment, and provided documentation using the online file upload. I have not received any acknowledgement that my application for deferment was received or processed in three days it will be one month from the date I applied. I called again and was told that my application was received but it has not been processed, and that it could take up to 20 business days, but that the processing times have been beyond this time frame. I was told by the representative that the only option was to contact my bank to file for a stop payment, which cost {$30.00}. After having the bank put a stop payment on my account I received an email from XXXX XXXX indicating that they had processed another debit from my account. When I went to verify this with my bank I found that this was incorrect, because the stop payment prevented the debit from being processed. Yet another email which provided correct information from my servicer. I understand that I am not alone in my experiences with this company. My experience with the company related to the Public Service Loan Forgiveness program has been terrible, with the company losing my paperwork repeatedly. The conduct of this student loan servicer is unacceptable.
Company Response: Closed with monetary relief
2019-04-03
Bremen, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I have applied for TEPSLF through XXXX XXXX because I have made over 120 payments in total on the standard, graduated and income based repayment plans. Each time, I obtain a response from the TEPSLF program regarding the number of qualifying payments the number of payments fluctuate and are inconsistent. I have been unable to obtain detailed information regarding which payments are deemed non-qualifying and why to attempt to rebut the in accurate findings.
I have certified my XXXX XXXX employment beginning XX/XX/XXXX through XX/XX/XXXX. During this time period, I requested a forbearance from XXXX. Aside from this time period, I have made 123 payments, only 1 of which was late.
I received a qualifying payment count of 116 on XX/XX/XXXX and then on XX/XX/XXXX the count somehow decreased. There have been other fluctuating payment counts that defy logic.
Company Response: Closed with explanation
2019-04-03
Carol City, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Closed with explanation
2019-04-03
MN
Incorrect information on your report
Student loan: Private student loan
Old information reappears or never goes away
Complaint: I recently looked at my credit report and noticed a new entry a charge off by PHEAA/AES/XXXX which I assume refers to a student loan I co-signed. This account was turned over to a collection agency XXXX, XXXX XXXX XXXX 5 years ago. I have been making monthly payments to the collection agency for 5 years. I have not missed a payment. How can this account be recently added and listed as a charge off?
Company Response: Closed with explanation
2019-04-03
KY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: XXXX XXXX took over my loans in XXXX, and I have completed all required forms for the XXXX XXXX loan forgiveness program, as well as paid under the income based repayment plan. Im XXXX of XXXX I requested that my account accurately reflect all payments made towards the XXXX payments, which would include all payments made from prior lenders as well. There are XXXX payments under review, despite having been made under the above stated terms with other lenders, prior to being absorbed by XXXX XXXX. My forgiveness date is therefore 18 months behind, and while that may not seem like to many, thats a lot of money I paid on a XXXX XXXX salary without acknowledgment. Id like my account to be up to date. I have kept my promise to make payments on time and under the proper plan that allows for loan forgiveness so I ask they do the same. The payments made prior to XXXX XXXX taking over counted and should have translated at the time the Loans were bought by their company. They will not give me copies of my email requests or copies of the payments under review.
Company Response: Closed with explanation
2019-04-03
Hon, HI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I tried several times to enroll in the public service loan program. I was told by several representatives I needed to be in a certain program. I changed programs and completed the paperwork. I called several times and was told my months are accruing and I will get a report at the end of year. This did not happen. When I was up for renewal, they told me I had to consolidate my loans. I did this in XXXX and filled the paperwork out again. I renewed yearly and was told in XXXX, I only had 13 qualified payments. I have worked with the government since XXXX. I just would like to get the seven year credit of payments and the current year totaling 8. I have not received all allowed payments toward my PSLF because every time there was a problem with my paperwork. Nothing has changed with the Department of Defense as far as I know. My jobs change internally but this should not make that big of a difference. I know my time is longer but I will accept 8 total years, this is madness. I have scanned the copies I have but the other copies were done electronically. Most of my paperwork is in storage due to us XXXX back to the mainland. Fedloan did acknowledge receiving all of the PSLF applications and employee verification. I have read many individuals are having this problem and they are being sued for not being transparent. I have sat on the phone for many hours trying to resolve this yearly. They say the calls are recorded, this would be great to get to see where they are misleading people. Please help me.
Company Response: Closed with explanation
2019-04-03
Austin, TX
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: In XXXX of 2019, American Education Services increased my monthly payment to {$240.00}. Due to having to purchase a vehicle, increase in my auto and renter 's insurance, increase in my rent due to releasing, and other student loans, I am unable to afford the monthly payment. All I want is for AES to lower my payment to something I can afford so, they can stop reporting my account as past due on my credit. This negative credit reporting This feels like a system designed to ensure that people are never able to pay off the loan. I feel at this point, my only recourses are to report AES to financial bureaus ( so other people can be fully informed when deciding whether to financial their student loans through XXXX XXXX ) and consider taking legal action. Legal action may be necessary to let the courts decide is AES is engaging predatory lending practices, much like XXXX XXXX and XXXX. I contacted AES a few times in XXXX of 2019, and again today ( XX/XX/2019 ) about my loan. When I initially fell behind on my payment in XXXX of 2019, I called AES to ask for help in lowering my payment, the agent informed me that she was going to submit the request for a lower payment. However, she failed to tell me that I need to pay the {$240.00} payment BEFORE she would process my request. I tried to inquire about the terms but, she rushed me off the phone. When I logged onto my AES account a week or so later, it showed the same payment for {$240.00} plus a late fee. I called in to inquire and was told that they my request to have my payments lowered was not processed because I did not make the {$240.00} payment. This does not seems logically, the whole point of me calling in to request a lower payment is because I could not afford the the {$240.00} payment. I was also assessed {$10.00} late fee due to the {$240.00} ( which I could afford and did not pay based on the agent telling me she was requesting a lower payment ) was past due. I asked to have the late fee reversed due to the incorrect information but, received a letter denying my request due to payment being past due. Everytime I call AES, I am told completely different information by the agents, at some point I was told that the agents who initially answer don't work for XXXX XXXX and are unable to see all of the payment options. Also, when I log onto AES, it asked me to call in if I am unable to afford the monthly payments. Clearly, this is misleading because when I call in I am often told there are no options. On XX/XX/2019, at XXXX XXXX, I initially spoke with an agent who refused to read the notes on my account, provided me with a " 5 plan '' option that would have me paying 120 months of payments that would mostly be paying only the interest of the loan ( which is about {$3.00} per day ). That agent put me on hold in the middle of me talking. I hung up and called back and reached a XXXX ( ID XXXX ) and was told that I did not qualify for the 5 option. XXXX transferred me to XXXX ( ID XXXX ) who supposedly works for XXXX. She send me an application for loan modification which is 1 time only option. She said XXXX only mails the applications, which take approximately 7 - 10 business days to receive, then you fax the form back and it takes them approximately 7 - 10 business days to process. I questioned the process by explaining that puts me further behind and then allows XXXX/AES to negatively report to my credit. Then, I saw the application in my AES paperless inbox, I completed the form on XX/XX/2019 and was denied on XX/XX/2019. XXXX XXXX explanation for denial was " You did not meet your Lender 's criteria to be eligible for this schedule at the time of the request. '' The letter prompts me to call AES if I have inquiries. I called today, XX/XX/2019 and was informed that XXXX has the final say and there are no options. Now, I am over {$500.00} past due on my loan, over 42 days past due, XXXX is refusing to lower my payments, and they are going to continue to negatively report to my credit, which puts me further into the hole and prevents me from qualifying for refinancing from another provider. I could understand if I was refusing to make payments, but all I want is an affordable payment. I don't want a temporary solution, I want a permanent solution. I am trying to make payments in good faith. Also, this feels like punishment for pursuing a higher education and a system designed to ensure people remain in debt.
Company Response: Closed with explanation
2019-04-03
AK
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I have worked for the same employer, which is a XXXX XXXX, since XX/XX/XXXX. I consolidated my oldest student loans into two loans with a combined balance of {$100000.00} on XX/XX/XXXX, and I have been making my monthly payments under the IBR repayment plan, which qualifies for the PSLF program, ever since. I have completed multiple Employment Certification forms that certify my employment back to XX/XX/XXXX, thus proving my PSLF eligibility for every single payment I have made on these two loans.
However, the number of qualifying payments FedLoan Servicing shows on my loans is incorrect. The data shows I have only made 54 qualifying payments and am not eligible for forgiveness until XX/XX/XXXX. However, according to my records, I have made 90 qualifying payments and am eligible for forgiveness in XX/XX/XXXX.
I have submitted multiple requests through the FedLoan Servicing website, with the last two being on XX/XX/XXXX and XX/XX/XXXX, requesting that the qualifying payment information be corrected. I have also made multiple phone calls to FedLoan Servicing requesting the same. The most recent emailed response I received was on XX/XX/XXXX, which stated, " Please allow ample time for this request to be completed due to the amount of extensive research involved with counting qualifying payments. '' While I understand my request takes time, it has been going on three years since I noticed the incorrect information and brought it to their attention. I am making changes in my career within the next 2 months and I require confirmation of the number of qualifying payments I have made and when I am eligible to apply for loan forgiveness. I have been unsuccessful at getting this information on my own, have allowed more than ample time for research, and now need to escalate this problem to a formal complaint in an attempt to resolve the incorrect information on my account.
Company Response: Closed with explanation
2019-04-03
MT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I finished XXXX school in XXXX of XXXX and began paying my XXXX school loans ( all Federal Direct loans ) in XXXX of XXXX. I am a XXXX XXXX in the Public Service Loan Forgiveness program and thus my servicer is Fedloans.
In early XXXX I applied for reduced student loan payments based on my income. I selected the 'PAYE ' repayment plan. When Fedloan processed my application on XX/XX/XXXX, they determined that I was not eligible for the PAYE plan. In this situation their procedure is to place the applicant on the plan with the lowest monthly payment that they are eligible for. That plan should have been REPAYE, which caps payments at 10 % of discretionary income. Instead I was placed on IBR, which capped my payments at 15 % of my discretionary income. I have stayed on IBR since then, making my monthly payments. This means I have been paying approximately {$200.00} more per month than I should have.
I contacted Fedloan by phone today and spoke with XXXX, with the employee ID of XXXX. She acknowledged that they made " a processing error '' and she acknowledged that, on XX/XX/XXXX, the plan with the lowest monthly payment that I was eligible for was REPAYE. She said that she would put me on REPAYE starting today. However she says that it was my responsibility to select the correct repayment plan initially and therefore Fedloan will not refund me the additionally money I paid over those years as a result of being placed on the IBR plan.
Company Response: Closed with explanation
2019-04-03
Brentwood, TN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I am enrolled in the public service student loan forgiveness program. I enrolled in the program in XXXX. I have been in an income based repayment plan the entire time, re-certified my income every year, and I have always been on direct debit for the payments. My loan was transferred to XXXX, who two years ago told me that my payments have not qualified toward student loan forgiveness. They can't tell me why. I advised them that this is impossible due to having been on the proper type of loan on direct debit with annual re-certification, and they have been " reviewing '' this for almost TWO YEARS. ( XXXX of XXXX will mark two years they're " looking into it. '' ) I even sent them proof of all the payments prior to the loan being transferred to them. They are not doing anything and lying to me that my payments haven't qualified. I need them to certify that my payments have in fact qualified and that I am on target for the loan forgiveness in XX/XX/XXXX. I have attached proof of payment of my loans dating back to XX/XX/XXXX that I submitted two years ago to prove that my payments have always qualified.
Company Response: Closed with non-monetary relief