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 75
2019-02-11
Saint Paul, 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
2019-02-11
GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: XXXX has not honored the PSLF program. I have provided them with forms showing I have 7 years of public service employment, however, they keep sending letters saying the forms are incomplete. I've sent the correct forms to them on over 3 occasions with little to no resolution. XXXX has misreported my payment plan. I have been in public service for 7 years and want credit for my time served.
Company Response: Closed with explanation
2019-02-10
Harsens Is, MI
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: All of my loans were with XXXX XXXX throughout my XXXX school training, from XX/XX/XXXX to XX/XX/XXXX. When XXXX from XXXX school in XX/XX/XXXX, I made many calls to my loan serving company so that I could properly consolidate my loans and enroll in an income based repayment plan, and begin working toward the Public Service Loan Repayment Program. At that point, my loans were switched ( without my knowledge ) to XXXX. I was told that my loans had been consolidated, I waived my 6 month deferment, and began paying my monthly payments to beginning accruing toward my 10 years of payments. Unknown to me, XXXX XXXX had only switched HALF my loans to XXXX, and the other half ( two different loans ) were still with XXXX XXXX, and not enrolled in any repayment plan. It wasn't until 6 months later that I received a ~ {$3000.00} bill from XXXX XXXX that I was told I was " still in school '' when I had attempted to consolidate my loans, and therefore these loans were not consolidated. Of course, that makes no sense, since I had already XXXX from XXXX school in XX/XX/XXXX and half of my XXXX school loans WERE in fact consolidated and sent to XXXX. And it makes no sense since the consolidation had taken place after my public and exciting XXXX from XXXX school. The XXXX was on XX/XX/XXXX. In any event, even if they were to argue that I didn't truly XXXX until XX/XX/XXXX, I was not informed of this issue, AND they actually did consolidate half of my XXXX school loans. You simply can't have it both ways. Because of this, I lost 11 months of IBR on my now " second '' and " third '' consolidated loan. I simply want to be credited with the 11 months to my second and third loan just as I was to my first. Please see attached documetation, especially the email from XXXX XXXX noting I had submitted my consolidation request ( XX/XX/XXXX ) after the date of my XXXX ( XX/XX/XXXX - picture of XXXX ticket also attached ).
Company Response: Closed with explanation
2019-02-10
Kansas City, MO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I graduated in XXXX.
In XX/XX/XXXX, I applied for Public Service Loan Forgiveness ( PSLF ) with XXXX XXXX because I have made on time, qualified payments for at least 9 years, and I have been working for qualifying employer.
I received a letter from XXXX XXXX indicating they received my application and supporting documents. The letter also states that XXXX will contact XXXX, the prior servicer about my student loans, and my loan will transfer to XXXX servicing for evaluation, my automatic payment amount and the due date will not change.
In XX/XX/XXXX, I received a letter from XXXX stating that my loan transferred and it included the total amount of loans and my monthly payment. I noticed my payment is increased and no mention of the status of PSLF.
I contacted XXXX multiple times via email inquiring if I am qualified for PSLF or not, and the reason why my monthly payment was increased. XXXX never responded or explained the status my eligibility for the program.
In XX/XX/XXXX, I contacted my general attorney to investigate and help me receive a response.
In XX/XX/XXXX, I received a vague and misleading response from Fedloan servicing stating that " you made XXXX qualifying payments '' because my qualifying payments were disqualified in XX/XX/XXXX and the increased monthly payment is to help me pay off my student loans in time.
I again requested additional information of the reason why my qualified loans were disqualified in XX/XX/XXXX ( When I consolidated my loans ). XXXX responded that it was disqualified because I took a type of loan called " Parents Loans ''. However, all my loans were Sub and Unsub Direct Stafford loans.
I then requested more information about the reason why it was concluded I made XXXX qualifying payments after I made qualified payments for at least 8 years or more.
I also requested if I am indeed not qualified for PSLF, I have no reason to keep my loans with XXXX XXXX. Therefore, I would like a refund of the extra monthly payments and transfer my loans back to XXXX or other servicer. No response received.
In XX/XX/XXXX, I requested my general attorney to file a lawsuit against XXXX XXXX for increasing my monthly payment without my authorization and for failing to transfer my loan back to XXXX after multiple attempts.
I am waiting to hear a response from my attorney general or XXXX XXXX.
Company Response: Closed with explanation
2019-02-10
Ny City, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: XXXX XXXX states that repayment begins on XX/XX/2019. I am under a different plan. This means I don't begin payments until well after graduation. I am enrolled full time ( more than half time ) in an XXXX program. Currently, I have over 3 classes enrolled at school which comes to an additional 15-20k for this semester. XXXX XXXX is not displaying that I maintain a loan for this amount but also is displaying numerous loans that they require payment while I'm enrolled in school.
Besides this, they are displaying negative information on my credit reports, XXXX XXXX XXXX and XXXX. I would greatly appreciate that they adjust their credit reporting to not only reflect the fact that I am in school but that I have positive standing with them. Unfortunately I will have to report this to department of education. To be clear, my University did everything on their end so there is no issue with financial aid department. XXXX XXXX has been irresponsible in their handling of my loans. Also, i am unemployed at the moment and have had no income for many years. They are not displaying the proper repayment plan of income based repayment. I never signed up for whatever my status is now. They make it impossible to deal with them.
Company Response: Closed with explanation
2019-02-10
PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I started my repayment in XXXX with FedLoan Servicing under the Pay As You Earn program. Everything was fine until XXXX when I was making {$75.00} a month payments and I had just one job. I took out a mortgage loan and my lender gave me {$42000.00} to purchase my home under the assumption I was paying {$75.00} a month for my loan. I started working more jobs and my payments increased. I informed them several times of this issue. Last month my loan was transferred to XXXX along with {$20000.00} in charges and interest buildup that occurred while I was with XXXX. I informed XXXX of the mortgage issue and the fact that XXXX fraudulently took money and transferred my loans to XXXX. I actually owe {$80000.00}, but XXXX received {$100000.00} in loans during the transfer. I want to sue XXXX for fraudulently charging me and transferring my loans.
Company Response: Closed with explanation
2019-02-09
Sayreville, NJ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2019-02-09
Tarzana, CA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: Husband 30 years still employed XXXX XXXX XXXX XXXX XXXX. Daughter attends college I XXXX XXXX fill out loan applications. First year PSLF is offered I believe XX/XX/2007 I submit all paperwork for husband who is qualified for daughters loans. Loans are transferred everything is good, first wave of PSLF comes due submit paperwork and we are denied because I XXXX XXXX name is first on the application and his is second..Daughter has also now been a member of the XXXX XXXX XXXX XXXX XXXX for two years now she has been paying for 5 years her school loans in my name she applied for PSLF as well once again my name in first position. She has paid thousands of dollars toward her loan, her loan has remained exactly at the same amount. We have contacted ombudsman never have been contacted back, every contact via telephone has been different, every written correspondence never responded to. I have never been so frustrated in my life, we are not stupid people and have never dealt with such corruption and still not sure why
Company Response: Closed with explanation
2019-02-09
Tyrone, NM
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I received word from XXXX that is was time to recertify my IBR plan. I chose instead to enter a standard repayment plan. The change was processed by the servicer and I was given a month of administrative forbearance.
On XX/XX/XXXX, I received an interest capitalization notice stating that {$280.00} would be capitalized if not paid by XX/XX/XXXX. Today I logged in to make that payment to prevent any capitalization and in my payment history I noticed that interest capitalization took place on XX/XX/2019.
You can see from my other attachment that I did not receive any other notices about interest capitalization and I am confused about why this would occur a month early with no notice.
Company Response: Closed with explanation
2019-02-08
Tampa Palms, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-02-08
Bronx, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I have had XXXX payments for the past 5 years. When XXXX XXXX did my annual recalculation in XX/XX/XXXX, they increased my monthly payment even though my income had decreased and my number of dependents remained the same.
I contacted them in writing on XX/XX/XXXX to get them to address and correct the recalculation. They did not respond.
I called on XX/XX/XXXX ( Employee # XXXX ) and was told that my " request to have my IBR reviewed '' was received XX/XX/XXXX and was " in process. '' I was told I would receive a response by XX/XX/XXXX. I did not.
I called again on XX/XX/XXXX ( Employee ID XXXX ) and this time was told that my IBR was NOT being reviewed but that I could submit an application to change my IBR to " REPAYE '' which would make my new monthly payment {$220.00}. The rep explained that for the first month I would pay {$5.00} ( while the IBR transfer application was being processed ) and then my new payment would kick in. I completed my REPAYE application on XX/XX/XXXX.
On XX/XX/XXXX, I received a letter from XXXX approving my transfer to REPAYE and stating that my monthly payment of {$220.00} would be " first due on XX/XX/XXXX. '' On XX/XX/XXXX, however, I was sent a letter that I was now enrolled in the " standard repayment plan '' and my monthly payment would be {$750.00}.
On XX/XX/XXXX, I called ( Employee ID XXXX ) and was told that XXXX would be my {$5.00} forbearance month ( instead of XXXX as it should have been ) and that my new REPAYE plan amount would kick in for XXXX.
On XX/XX/XXXX, I received my XXXX bill for the incorrect standard repayment plan amount of {$750.00}. I called ( Employee ID XXXX ) and was told that my IBR transfer to REPAYE had not yet been processed because they are " backed up. '' She said that letter issued XX/XX/XXXX approving the REPAYE plan was " premature '' and was " sent in error. '' They offered to give me a one month administrative forbearance for XXXX which I was forced to accept because I can not afford the standard payment amount. The Rep also told me that she could NOT guarantee that the REPAYE application would be processed in time for the XXXX billing cycle and that we'd just have to " wait and see. '' As a result of XXXX 's incompetency and repeated delays I have already lost 3 months of PSLF payments and will potentially lose a 4th.
XXXX : 1 ) made an error with my annual IBR recalculation in XX/XX/XXXX ; 2 ) failed to review the recalculation when I requested ( and failed to correct their error ) ; 3 ) failed to properly process my IBR transfer request to REPAYE ; 4 ) failed to properly bill me during XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX.
Please note, that I submitted my annual recalculation documentation to XXXX in XXXX of XXXX and they failed to process it until XX/XX/XXXX - just 3 weeks before the new payment amount was to take effect. Had XXXX processed my recalculation in a timely manner there would have been ample time to address and correct these issues before the new payment was to take effect and I would have been able to avoid a 3 month forbearance which negatively impacts my PSLF.
Company Response: Closed with non-monetary relief
2019-02-08
Cambridge, MA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Company Response: Closed with explanation
2019-02-08
Atlanta, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I was most recently a full time XXXX student at the University XXXX XXXX at XXXX ( 12 credit hours ). The school or whoever incorrectly reported or delayed reporting that I was a fulltime student there. This caused loans to become due. When I checked my credit report I noticed XXXX had reported my 10 loans as being delinquent. When I contacted them they verified my enrollment status and said they would fix it. It is taking way to long also it appears that my first request for removing the items of my credit report was not processed ( they told me to expect it removed within 60 day ) or had missing paperwork. I called again and they assured me they would resolve this but had not processed my original request because missing paperwork that they would send me in the mail as soon as possible. They stated once I turn the paperwork in they would remove items off my credit within 3 weeks. My credit report needs to be fixed IMMEDIATELY. I am in XXXX so many of the jobs I am applying for requires background checks and in some cases an actual security clearance. Because of incorrect reporting it appears that I have 10 loan accounts which are in default. I am restricted in my job search right now until this gets resolved. Employers don't have time to hear an explanation for why I have 10 loans in default. This needs to be fixed immediately so I can move on.
Company Response: Closed with non-monetary relief
2019-02-08
Burlington, VT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I am a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, VT and have been since XX/XX/XXXX. As a XXXX, I enrolled in the Public Loan Service Forgiveness Program and began making payments that qualified my student loans for forgiveness in early XX/XX/XXXX. My loans were transferred two times and have been serviced since XX/XX/XXXX by XXXX XXXX. In XX/XX/XXXX, I began to file the Employment Certification Form annually as I have worked in a qualifying school district since XX/XX/XXXX.
The reason Im writing is because XXXX XXXX has had, per my request, my account under review since XX/XX/XXXX. It has been 18 months since then. Currently, I have 15 months of payments that are not counting toward the required 120 months of payments to loan forgiveness. I have documentation to prove XXXX XXXX received payment these months. I have called them regularly, and documented these phone calls, and every time I call they tell me they have no idea of when my account will be reviewed. I called them today requesting my full account history with all the details of the phone calls. I was advised that I was not allowed that information.
Im writing to your office to inform you and your staff that there are serious problems with XXXX XXXX. The people answering the phones are always professional, but give out advice that is not accurate and state they will submit requests that I later discover with a future phone call were erroneously submitted or not submitted at all. As someone who has diligently followed this process and educated myself on the PSLF requirements, Im concerned XXXX XXXX is not able to accurately review my loans and submit documentation to the Department of Education once 120 qualifying payments have been made.
While Im certainly concerned about myself, Im more concerned about my fellow teachers and public service professionals. I am aware not everyone has the same level of understanding of the PSLF requirements that I do nor the resolve to keep in regular contact with XXXX XXXX to double check everything they say they are going to do. Many people are basing their futures on having their loans forgiven, when that may not be the case due to errors caused by XXXX XXXX. I am particularly concerned that XXXX XXXX refused to release my account history to me and is consistently not able to provide clear and understandable information to help public servants meet the complex criteria of the program.
I appreciate any support you and your office staff are able to give to myself and more importantly, public servants throughout the country.
Company Response: Closed with non-monetary relief
2019-02-08
West Newfield, ME
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation
2019-02-08
Lewisville, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I repeatedly requested American Education Services ( AES ) to apply additional payment amounts to the principle and they refuse, always assigned the supplementary payment to " pay ahead '' status.
Company Response: Closed with explanation
2019-02-08
Rehoboth Bch, DE
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
2019-02-08
Key Biscayne, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: Since XX/XX/XXXX I have been waiting for XXXX to review and calculate the number of payments attributed to Public Service Loan Forgiveness which was extremely undercounted and inaccurate as they did not reflect years of payments with prior loan servicer and had inconsistent numbers across loans as if I make payment separately which has never been the case. I followed up with them in XX/XX/XXXX and again this month to no avail. I have also requested a copy of all of my records so I can make my own calculations in XX/XX/XXXX and only received records from since XXXX when account was transferred to despite that those records should have come with the account. This gross negligence is compromising my student loan forgiveness as I have more than 11 years of employment certifications filed with them. Moreover I was forced into forbearance for when it took them nearly five months properly calculate my payment further delaying my progress.
Company Response: Closed with explanation
2019-02-07
Bloomington, 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
2019-02-07
Scottsdale, AZ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I am currently in school full time, and I will be for some time. I have loans on an Income-Driven Repayment Plan ( IDR ) and Public Service Loan Forgiveness ( PSLF ) and I have loans on in-school deferment. I have submitted numerous deferment waiver forms, and I have sent numerous messages to waive the deferment and make it so the loans never go into deferment. I need all of my loans to be on the IDR/PSLF plan. I also will be applying for a loan soon, and having the loans on deferment hurts me. In previous messages I have been told that the waiver was processed, which it wasn't. I was told in the most recent message that it is not possible to waive in school deferment and that I would have to wait until I am out of school and even wait the grace period, which is utterly and absolutely absurd. Why would an in-school deferment form even exist if it wasn't possible? I am not sure what else I can do to have my request processed.
Company Response: Closed with explanation
2019-02-07
Glendale, CO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-02-07
MA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: On XX/XX/2018 I requested that my repayment plan be changed from an income-based repayment plan to an extended-graduated repayment plan. Despite following all of their instructions for transitioning the repayment plan, it took XXXX three months -- until XX/XX/2018 -- to process the change in payment plan. In the interim, on XX/XX/2018, XXXX charged by account a payment in the amount of a standard repayment plan ( about {$2300.00} ). The change in plan should have been processed by that time, however, and the payment amount should have been the roughly {$600.00} due under the extended-graduated plan.
Over the span of 5 calls and several hours with customer service, I attempted to work out a solution wherein XXXX would refund my account the difference in payment amounts. During this time I received a multitude of different explanations for why it took so long to process the change in repayment plan, and how it would ( or would not ) be possible to receive a partial or full refund without going into default. XXXX eventually refunded the entirety of the {$2300.00} payment and then marked my account as past due. This was not the result I wanted, and to this date I do not understand why XXXX couldn't have just issued a partial refund consistent with the extended graduated payment plan. They dropped the ball by not switching my plan over in time and by charging me more in the interim. A partial refund would have been an easy remedy for their error, but they repeatedly resisted that remedy.
Fed up with the whole process, I utilized XXXX XXXX online message center to try to get some information in writing about what was going on with my account. I received no response.
Finally, I decided that it wasn't worth the hassle to continue trying to navigate XXXX XXXX policies, and just paid the full {$2300.00} showing as past due.
Company Response: Closed with explanation
2019-02-07
Jacksonville, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: VALIDATION of debt letters were sent out in XXXX, XXXX and XXXX and no validation was received be to me.
Company Response: Closed with non-monetary relief
2019-02-07
Ponte Vedra, FL
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: Student Loan has been paid on for going on 9 years now. Was told today the reason my loans have gone UP is because changing plans capitalizes the interest. At no time was this told to me before today. Furthermore I made {$8100.00} in payments last year and from the tax statement received by me, {$0.00} went to principal. At this point it is worth just taking the hit and ruining my credit from this point forward because with no options to repay a reasonable monthly payment that actually reduces the principal, the credit will be ruined in the end anyway. XXXX XXXX XXXX XXXX has horrific customer service agents that will tell you very quickly they do not care about your situation. The government has made it where there is no way out so they have you no matter what and do not care. So this is my last effort to try to come to a reasonable agreement and where i can see this loan being paid off. Because as of right now the only way this loan goes away is when i do.
Company Response: Closed with explanation
2019-02-07
Sacramento, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: XXXX XXXX reported to the IRS on XXXX for XXXX that I paid {$1300.00}. The amount of interest payments I actually paid in XXXX was : {$4700.00}.
I reached out to resolve the tax information issue multiple times in early XXXX until the tax filing deadline. I was told on XX/XX/XXXX via email ( see attached ) that it will be corrected in the next XXXX XXXX. I filed my XXXX tax return only reporting {$1300.00} in interest paid hoping XXXX XXXX would resolve the deficiency.
It did not.
Company Response: Closed with explanation