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 67
2019-03-07
Phoenix, AZ
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: XXXX XXXX is failing to process my re-certification for the IDR plan. I mailed, faxed and uploaded to their portal the IDR re-certification and included my most recent tax return in XX/XX/XXXX. They denied the application claiming they didn't have the required documentation and would not allow me to upload any documents and despite faxing and mailing it again they did not process the request. I resubmitted the application again on XX/XX/XXXX the day after they notified me that I had a new payment plan but there was no balance listed on the portal or in the paperwork. They denied the application again this time claiming it could not be processed because my payment was past due more than 15 days even though the alleged payment wasn't due until XX/XX/XXXX and I was not even informed of the payment amount until they denied the application on XX/XX/XXXX. So based on their own timeline, the basis for denying the application is erroneous. I immediately applied for forbearance but they claim it will take 10 days to review the request which will make me 30 days late and disqualify me from IDR loan forgiveness. This is bad faith, illegal, and they are intentionally causing people to default on student loans.
Company Response: Closed with explanation
2019-03-07
CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: This has to do with PSLF. PLSF is a sham. XXXX XXXX XXXX is not acting in good faith. They incorrectly entered my employment dates twice ( clerical errors ) - once at a small XXXX XXXX and once at more current employer. It took over 18 months to rectify the situation - even to get them to respond to the issue.
When they finally did respond to the issue, they corrected the dates but only counted a a small percentage of the actual qualifying payments. Sometimes citing a few cents difference as to why I would not get credit for that months payment. I have made years of regular payments each month, but because of pennies, it will be years longer until the loans are forgiven, thereby costing me more money in interest.
Also, because of another clerical error on their part, there were a problem with my Income driven repayment plan. Each time there was a problem, I would call and get different information from the employees, often telling me to do different things to rectify the situation. The situation was never rectified. Like predators, they encouraged my to take several forbearances while they worked out the issue. I understand now, that no one was trying to solve the issue, they were merely trying to drag it out while accrued interest.
Regarding the Employment Certification Form, several employees told me that I could wait until my ten years was up and then send in the ECF. I heard this several times. Nevertheless, I still sent it in every single year. But the kicker was, this past year, they did not receive- or rather they said the did not receive it. I did put it in the mail. Regardless they said that next time I should submit the form online so they didn't lose it. It took them 2 months to tell me they didn't receive it and for some reason they put my loan on forbearance while they waited. That means that although I continued to pay my loans during that 2 months, they did not count as qualifying payments because I was on a forced forbearance, thereby extending my qualifying payment again. When I called to complain they told me that I DID need to submit my ECF every year. What is a consumer supposed to do when every time you call you get different information and then even when you pay every month ( on automatic withdrawal ) they put you on forbearance without asking and then don't count those payments.
This is a scam and they are not trying to help public servants. they are trying to scam them. And I am not the worst case. I have heard and red that they are being sued for their treatment of the PSLF program. Last year, out of thousands of people who have applied for forgiveness, only a small, small fraction have actually been forgiven. How terrible of company do you have to be to fleece public servants. And they have designed their system so there is not proof to be had. How can I prove that every time I was on the phone they told me different things? How can I prove that they told me I didn't have to turn in my employment certification each year ( even though I did )? How can I prove that they didn't ask my permission to put me on forbearance ( even though I still paid )?
This is a scam and there is no recourse from the consumer. Shame on them. Shame on the government if they allow this to go on. This is just another way for the ruling class to keep their thumb on the middle class. So XXXX XXXX can have another yacht. Shame on you XXXX XXXX!
XXXX XXXX XXXX XXXXXXXX
Company Response: Closed with non-monetary relief
2019-03-07
Navasota, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: My loans were recently transferred from a previous service provider in order to facilitate the XXXX XXXX. The date of transfer ( according to the previous provider ... since XXXX never contacted me during the process until after it was done ) was the day after my loan payment due date. I, of course, made my payment on time. When they finally showed as transferred and I set up my account online, my account showed as several weeks delinquent and my payment for this upcoming month as double ( which I can't afford ). I called immediately and submitted a request to reflect the previous payment on my account. Several days later, this has still not been fixed and my payment due date is looming closer. I have called again and submitted requests online to be contacted confirming that it is fixed. The people on the phone are seemingly helpful but also oblivious and I have yet to be contacted based on my online email requests. To be blunt, this is ridiculous and sure as heck not a good first impression. During my very fist call about this I was informed that this is a common problem. Two issues with that statement : 1 ) If it is so common, why is it taking so long to fix, and 2 ) If people know about it, why hasn't something been done to prevent it from occurring in the first place. I will now be expecting both that the original problem is fixed, but also an apology with assurance that no issues will be handled like this again.
Company Response: Closed with non-monetary relief
2019-03-07
Bremen, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Dates of Service : XX/XX/2012 - XX/XX/2012. Didn't attend for months specified on credit report.
Company Response: Closed with non-monetary relief
2019-03-06
Ponce Inlet, FL
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
2019-03-06
South Holland, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-03-06
Occoquan, VA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: AES/PHEAA has reported to the credit bureaus that I was delinquent on one of my student loans from 60/90/120 days, however, my billing letters note ( that they are able to view in my account ) that my account was in deferment. I have submitted disputes since last year and they have not resolved my issue.
They asked me to student a credit dispute from and I did. They asked me to submit my credit report and I did. They provided me with the wrong dispute form and just advised me today that, that was the discrepancy because I kept telling them I sent them the form.
We have been discussing this dispute since XX/XX/XXXX, and today was the most recent correspondence. They have caused emotional and financial stress because of there error. Credit Report notes I was late on loan from XX/XX/XXXX -XX/XX/XXXX ( 60/90/120days ).
Company Response: Closed with non-monetary relief
2019-03-06
Newark, NJ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: To my knowledge, I was never late on my XXXX student loan with account number XXXX**** ( Opened XX/XX/XXXX ), 7XXXX**** ( Opened XX/XX/XXXX ), XXXX**** ( Opened XX/XX/XXXX ), XXXX ( Opened XX/XX/XXXX ), XXXX**** ( Opened XX/XX/XXXX ). But I realized that I was reported as being 120 days past due in XX/XX/XXXX and 150 days past due in XX/XX/XXXX which is not true because I was supposed to be in deferment but then I got current right away. And then I was reported as being 90 days past due in XX/XX/XXXX when I had already processed my paperwork to consolidate my student loans which was finalized on XX/XX/XXXX.
I have had student loans since XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Company Response: Closed with non-monetary relief
2019-03-06
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I have been requesting XXXX to unlock my account for over a year. I am unable to manahe my loans. I complained at CFPB and XXXX promised they would unlock ot. Yet my account still remains locked, and XXXX does not reply to my mails.
Company Response: Closed with explanation
2019-03-06
Sebring, FL
Attempts to collect debt not owed
Debt collection: Federal student loan debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: in XX/XX/XXXX i had a major crises and XXXX placed my kids with my sister. i had a caseplan and i worked as quickly to remedy and get kids back. i was working raising a pre teen and an infant. at below poverty wage. i qualified vfor a pell grant..
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX the school knew and promised me they'd get me my Pell Grant and convinced me to go ahead and enroll with these loans stafford and unstafford. i was not sure of there accredidation and repeatedly inquired as to transfer availability. a XXXX accredidation. upon first semester i hadnt gotten any counseling or notification to the pell grants i was to really get. i finished first term. second term i went only two weeks. into that term still no help with grant. no help from XXXX in helping me or protecting me. and found out through letters i sent out to various attorney firms that the legal community would not even recognise any degrees from XXXX colleges and not XXXX XXXX XXXX a XXXX school. i nwouldnt have obtained employment, nor were there credits transferable tko any state college or university. i dropped thge first two weeks of second term. i have been trying to get this loans discharged on many legal true factors. 1. inavailabilty to have benefitted based on above statements, 2. I have become XXXX. awarded fully favorable workers XXXX. long term. indefinately.3. the schools failure to honor my qualified pell grant and cease any loans based on a famikly low income wages program.4. the inability to be able to benefit and obtain employment in field. and the fact i would not have been able to transfer credits at all. the school later sold out to another school called XXXX university. and they went out of business too. it is now an empty building. can not get any records. this is causing my credit score to be bad. based on all factors especially XXXX i will never be able to pay. nor shoukd i. many have had these loans for this school discharged based on same reasons. school both times was a fraud. i can not acquire a better place to lkive and am XXXX i require a better accomidations. it hinders greatly my ability to do so. my credit poower is not good. i have repeatedly tried i only get yearly forebearances. now oinlky every 3 months. i have many legal arguments to have this totally discharged and need your help. through XXXX. or better yet XXXX does total XXXX discharges. its very old and i need them to stop squeezing me into this fraud school attachments to follow
Company Response: Closed with explanation
2019-03-06
Washington, DC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with non-monetary relief
2019-03-06
FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: I am currently enrolled in the PSLF program, having worked full-time for XXXX XXXX XXXX XXXX after consolidating my loans toward the 10-year/120 qualifying payments for loan forgiveness. Since my loan was purchased by loan servicer XXXX XXXX XXXX I have put in requests for updated calculations on the qualifying payments I have made ( in total - including the payments I made to prior servicer XXXX ). Over the course of a year, I have been requesting the updated calculations over the phone at XXXX XXXX XXXX. Beginning in XXXX, I was told that my request had been put in and to wait 30-XXXX days, again in XXXX I was told to wait another 30-60 days. We are now in XXXX and I have not received an updated calculation. As I am now nearing the end of my qualifying period, I require an updated calculation. I am receiving as I type the same information and no movement toward calculation of my remaining qualifying payments. Though I have paid for over 6 years and made all my payments, their online tool and their representatives show I have 110 qualifying payments remaining as though I have *only* paid 10. This is very very very incorrect.
Company Response: Closed with non-monetary relief
2019-03-06
Miami, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-03-06
Las Vegas, NV
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 have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Closed with explanation
2019-03-05
Arlington, VA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-03-05
Grand View, ID
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: my school loans were paid and closed in XXXX because of my TPD. The loans from XXXX XXXX XXXX, XXXX and XXXX show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.
Company Response: Closed with explanation
2019-03-05
MO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: XXXX XXXX XXXX lied to me about my previous employer, XXXX XXXX being a qualifying company for the loan forgiveness program. I have the paperwork that they sent to prove it, along with the apology letter, stating they made a mistake.I would like those those payments reinstated as qualifying.
Company Response: Closed with explanation
2019-03-05
Kawaihae, HI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I have a problem with XXXX PSLF program. They said my account has been " in review '' since XXXX. I am trying to get an official letter stating the total months of eligibility I have received. They said its 24 months on the phone but they won't provide this information in writing. I have called 6 times over the last 6 months. They said their processing update time is normally " 10 to 12 month '' but since my account has been " in review '' since XXXX this is well beyond their already lengthy processing time. I would like to find out what actions I can take to force them to acknowledge my student loan forgiveness eligibility before accepting another job in a PSLF eligible field.
Company Response: Closed with non-monetary relief
2019-03-05
Palmerton, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have consolidated direct federal student loans, which is serviced by XXXX XXXX. I am enrolled in the PSLF program, work for a qualified employer, and have several years of qualifying payments documented by XXXX. Last year in XX/XX/XXXX, I submitted a new PSLF employment certification form, and I was only credited with 5 payments, when I had in fact made 10 qualifying payments during that time period ( XX/XX/XXXX - XX/XX/XXXX ). I have direct debit set up for my account, so the payment is made every month and on time. I contacted XXXX XXXX XXXX in XX/XX/XXXX to have them look over the payment history again and to re-calculate the qualifying payments. I was told there was in fact a mistake on their part and they would submit a request for review - I was told this would take up to 60 days. 60 days later, in XX/XX/XXXX, I hadn't heard anything so I reached out again. I was told the request was never submitted, so I then asked to have the request " officially '' submitted. I received verbal confirmation on the call that it was submitted for review, and I should hear back in 60-90 days. 90 days passed, and I called in late XX/XX/XXXX, and I was told it would take 6 months for the review to be completed. I just recently called again on XX/XX/XXXX, and spoke to a representative named XXXX ( ID # XXXX ), and was now informed the process takes 12-15 months and I should check back in at that point. I am frustrated because the timeline keeps getting pushed back, and the experiences I have had thus far, indicate that when 15 months goes by, I will likely be told to wait longer. It's a simple review of my payment history, since I have auto-pay set up for the student loan accounts.
Company Response: Closed with explanation
2019-03-05
Maxwell Afb, AL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I work for a public employer ( XXXX XXXX XXXX ) and am enrolled in the Public Service Loan Forgiveness program. I submitted documentation to XXXX XXXX on XX/XX/XXXX ( an Employment Certification Form ) showing 95 months of qualifying employment. These months have not been credited. I have called multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) attempting for find out why this extensive amount of employment has not been credited. Each time I was told it was " in processing '', " under review '', etc. Basically, the runaround. I have also submitted documentation for an additional 11 months.
Because they refuse to review the documentation submitted per their requirements on XX/XX/XXXX, I am unable to get relief. I am now approaching 120 months of qualified employment and should be eligible for relief under this program.
I would like for them to review the employment certification submitted on XXXX/XXXX and credit me for those months of qualified employment.
Company Response: Closed with explanation
2019-03-05
Hinsdale, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: My loans were transferred to XXXX XXXX in XX/XX/XXXX after I applied to the Public Service Loan Forgiveness Program ( PSLF ). After much chaos with trying to establish the best repayment plan, I settled on the Standard Repayment Plan.
In XX/XX/XXXX, I was notified that my account was in " pay ahead '' status. I was told that at some point, I elected to pay more than the required monthly payment amount to decrease my overall debt. However, I do not recall electing to pay ahead, and there is no documentation showing this either. Pay ahead status would decrease the overall amount of loans forgiven in PSLF, so I do not want to be in this status. In this same phone call in XX/XX/XXXX, I requested to be taken off of pay ahead status, and was notified that my request was immediately taken care of. However, my account still says it is in pay ahead status today ( XX/XX/XXXX ). I have already called to request this be taken off, but nothing has worked.
Additionally, I am enrolled in auto-debit and was told I would see an interest rate deduction of 0.25 % after my XXXX monthly payment. This is not reflected on my account.
Company Response: Closed with explanation
2019-03-05
Colts Neck, NJ
Problem with a credit reporting company's investigation into an existing problem
Student loan: Federal student loan servicing
Problem with personal statement of dispute
Complaint: This letter is to notify you that I no longer am disputing the account number above.
Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this letter.
Company Response: Closed with explanation
2019-03-05
Rockville, MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: My Demand Draft Fraud Complaint Against XXXX XXXX/PHEAA ( hereinafter, XXXX ) : In Clear Violation of Federal- and State- Law, XXXX Unlawfully Electronically Withdrew [ ECK ] LESS Money Than SPECIFIED on My XXXX XX/XX/XXXX Personal Check # XXXX, XXXX Willfully/Deliberately In Unquestionable Fraud Forced BANK Reversal of My Monthly Payment ( Timely and Full Amount received by XXXX XXXX XX/XX/XXXX XXXX THEREBY XXXX ENGINEERED OVERDUE PAYMENT FOR XX/XX/XXXX FROM MY TIMELY RECEIVED AND IN-FULL PAYMENT.
From start of my student loans repayment XX/XX/XXXX ( to date through XX/XX/XXXX : eighty-five ( 85 ) payments of {$1000.00} ), XXXX XXXX is/has been the only servicer for grouped-repayment of six ( 6 ) of my federal student loans, repaid without modification under the Standard Repayment Plan, i.e. XXXX fixed, equal monthly payments of {$1000.00} to paid-in-full. ( See XXXX Letter dated XX/XX/XXXX subject : Re Your Student Loan Account signed by XXXX XXXX, Senior Vice President, Loan Operations and Client Relations XXXX XXXX, shows payoff dates my 6 loans serviced by XXXX-copy attached. Last page of said pdf is letter dated XX/XX/XXXX from XXXX XXXX XXXX, Vice President, Loan Operations XXXX XXXX stating my [ Standard Loan Repayment Plan FIXED, EQUAL ] monthly payment is $ XXXX/month, NOT $ XXXX/month. ) In plain violation of both federal- and state law : inexplicably XXXX XXXX took my XX/XX/XXXX {$1000.00} 84th-payment by personal [ paper ] check ( check number XXXX-copy attached ) and withdrew ( XXXX XX/XX/XXXX ) by electronification of my check [ ECK ] from my checking account a different [ lesser amount ] amount of money ( = $ 1077.92-shown in my bank statement-copy attached ) than the amount ( $ XXXXcopy of check XXXX showing {$1000.00} attached ) written by me on my check. ( A pdf is attached : containing a photocopy of my XXXX XX/XX/XXXX personal check for {$1000.00} to XXXX [ first page ] with [ second page ] my bank statement [ XXXX XXXX XXXX XX/XX/XXXX ] shows XXXX made unauthorized withdrawal of {$1000.00} on XXXX XX/XX/XXXX from said check. Another pdf shows police report number for said XXXX unauthorized withdrawal. Another pdf is a copy of my Affidavit re XXXX 's unauthorized funds withdrawal provided to XXXX XXXX XXXX. ) My monthly payment due date is the 10th day of every month. XXXX XXXX received my XXXX XX/XX/XXXX {$1000.00} check payment on XXXX XX/XX/XXXX at XXXX pm US-Mail-signature-receipt by XXXX XXXX, XXXX XXXX agent ( Attached is copy of US Express Mail tracking showing XXXX XXXX signature receipt of my XXXX XX/XX/XXXX {$1000.00} payment on XXXX XX/XX/XXXX at XXXX XXXX by XXXX XXXX, XXXX Agent. ) TODAY, XXXX XX/XX/XXXX, XXXX SUPERVISOR, XXXX EMPLOYEE ID XXXX, INFORMED ME THAT MY XX/XX/XXXX PAYMENT WAS AS OF TODAY 22 DAYS OVERDUE AND I MUST IMMEDIATELY MAKE A PAYMENT OF {$2100.00} TO BRING MY GROUP LOANS ACCOUNT PAYMENTS CURRENT. I responded that my bank ( XXXX XXXX XXXX employees XXXX and XXXX ) told me all XXXX had to do to instantly receive payment, after XXXX unauthorized withdrawal and funds reversal, was to use the bank routing number and account number on my check and do a one-time electronic withdrawal for the amount, {$1000.00}, written on the check over my signature per the federal- and Maryland State Uniform Commercial Code ( UCC ). XXXX stated XXXX would do no such UCC-authorized-withdrawal in payment ; rather, I must pay XXXX with a personal check dated as of XXXX XX/XX/XXXX ( one month overdue ) or today again provide XXXX the routing number and account number on my check ( check in XXXX possession since XXXX XX/XX/XXXX XXXX and thus again generate for XXXX unlawful coverup fraudulent exculpatory evidence for XXXX my payment is overdue at least 22 days due to my negligence. I replied to XXXX, I can not control XXXX unlawful unauthorized ECK withdrawal on XXXX XX/XX/XXXX ; nor by law should I be held liable for XXXX plainly deliberate lawless acts forcing me by threat of adverse credit reporting to provide new check ( s ) or check-routing today so XXXX can hide their unquestionable extortion and ECK fraud. NOTE : From XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, I spoke with the following XXXX employees re said matter to no apparent avail : ( i ) XXXX XX/XX/XXXX : XXXX employee ID XXXX and her supervisor, XXXX XXXX ; ( ii ) XXXX XX/XX/XXXX : XXXX XXXX and her supervisor : XXXX XXXX ; ( iii ) XXXX XX/XX/XXXX : XXXX XXXX and her manager, XXXX XXXX, and XXXX manager, XXXX ( no employee ID given ), XXXX XXXX and her supervisor, XXXX XXXX ; ( iv ) XXXX XX/XX/XXXX : XXXX XXXX and her supervisor, XXXX XXXX.
Company Response: Closed with explanation
2019-03-05
MA
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Complaint: I have 9 Federal student loans with XXXX XXXX XXXX XXXX. ( Totaling {$30000.00} ) When I graduated the loans remained in deferment for a period of time. I was NEVER notified when loans became due for repayment. Once this was discovered, I called XXXX XXXX XXXX to rectify the issue. I was informed that the issue was resolved yet my credit rating does not show that. XXXX XXXX XXXX states my account is past due for 4 months ( XXXX ) in 2017. I have disputed this with credit bureaus. While the results state there has been an update, the credit reports still show the late payments. There have been no late payments and the account is up to date since speaking directly with XXXX XXXX XXXX. I do not believe I should be penalized for not being informed when the loans became due. I made a good faith effort to resolve the issue yet continue to be penalized due to the credit reporting.
I would like the credit report to be updated to reflect no late payments.
Company Response: Closed with explanation
2019-03-05
Sand Barrens, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation