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 79
2019-01-25
Clay, PA
Took or threatened to take negative or legal action
Debt collection: Private student loan debt
Threatened or suggested your credit would be damaged
Complaint: A payment that was made on XX/XX/2019 was returned due to insufficient funds. I called AES after I realized that there wouldn't be enough funds to cover the outstanding balance and assured the representative on the phone that the entire outstanding balance due would be paid in full by XX/XX/2019. A few days after this, AES sent letters that said they were going to garnish wages, report the delinquency to the credit bureaus and force the account over to the guarantor. All of this after I had given them an exact date of when it would be paid.
I don't appreciate the constant threats from AES and there are a group of other people who feel the same way. My attorney is currently reviewing this because I feel this falls into the category of criminal behavior.
Company Response: Closed with non-monetary relief
2019-01-24
Warren, RI
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: I took out a loan from XXXX XXXX XXXX in the summer of XX/XX/XXXX. The disbursement date was XX/XX/XXXX for the upcoming fall semester. My original balance on the loan was {$16000.00}. I was scheduled to start paying on the loan in XX/XX/XXXX. Before I made my first payment the loan was transferred to AES American Education Services with a notice that the terms of my loan were changed. As of XX/XX/XXXX I had paid {$15000.00} on this loan and noticed that I still owned nearly {$20000.00}. I had taken out a federal loan at the same time that was almost paid off in full for the same amount, but this AES loan had more than the original balanced still owned. I made telephone call to AES and they stated there was no way that I can talk to XXXX XXXX XXXX. I could send a letter and they would forward it to them. I did that in XX/XX/XXXX, asking for a reasonable settlement with no response. I am now in default. I have never signed any contract with American Education Services. I certainly would not have signed an agreement to pay back {$46000.00} for a {$16000.00} loan, as the change in terms notice states. I can no longer manage this loan, besides the fact that I think this is criminal, it reeks of extortion. AES told me that the interest is accruing daily. Even though I have been paying {$220.00} a month, the amount owed just keeps increasing. I dont believe that this company is complaint with truth in lending laws and should not be allowed to do business in my state.
Company Response: Closed with explanation
2019-01-24
Ann Arbor, MI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-01-24
Bloomington, MN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: on XX/XX/XXXX I submitted a loan payment to XXXX XXXX using the XXXX XXXX education award for my loan payment of {$260.00} due on XX/XX/XXXX. There are 10 business days between the XXXX and XX/XX/XXXX and I called on 1/18 and was informed it still was not even processed. My request wasn't approved until XX/XX/XXXX on XX/XX/XXXX my payment has still not been received. After calling XXXX I find out that there isn't even a payment date scheduled yet for this payment. As a result it is very likely I will either have to take a financial hit and pay it myself in order to make it count for PSLF or lose a potential payment due to timing issues outside of my control. In addition between the fact it takes over 15 calendar days along with an additional up to 30 days to mail the check it seems IMPOSSIBLE to use XXXX awards to pay for student loan payments which is what their purpose is supposed to be for.
Company Response: Closed with explanation
2019-01-24
PA
Attempts to collect debt not owed
Debt collection: Federal student loan debt
Debt was paid
Complaint: I started making payments in the income based repayment plan in XXXX with my loan provider with XXXX in public loan debt. I was told that I was making qualifying payments for the PSFL program once I consolidated my loans and was in the income based plan. I applied for the XX/XX/XXXXLoan Forgiveness {$5000.00} reduction after 5 years of teaching, not knowing that this would wipe out 5 years of payments I made under the income based repayment plan to count towards qualifying payments under the PSLF plan. I've gone round and round with people saying I will give the $ XXXX back and have been told sorry about your luck, which absolutely isn't right. No where did it say I would forfeit this benefit by taking the reduction and I would have never done it had I known this would be the case. I should have 120 qualifying payments in XX/XX/XXXX, but now this has been extended another 5 years and will cost me over $ 20k. XXXX has also lost some of my payments made from past providers and told me they would look for them and do a recount, but it could take a year. It's already been 7 months. Their company is the absolute worst and if you XXXX this, there are many others out there that they have done this too. You can no longer track how many qualifying payments you have made on their website either. I also saw a recent study where 99 % of the applicants that tried to get their loans forgiven after their 120 qualifying payments were made were denied. It sounds like a scam to me.
Company Response: Closed with explanation
2019-01-24
CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I would like to submit a formal complaint about XXXX XXXX.
When I requested recalculation of my IDR payment plan, I was directed to fill out the form OMB No. 1845-0102. This form was partially filled out for me. Yet, Section 6 was not greyed out. I requested a one-month reduced forbearance for XX/XX/XXXX. I submitted this form on XX/XX/XXXX. Furthermore, official letters from XXXX XXXX said my form for recalculation was approved. I assumed this meant that section 6, my request for a reduced one-month forbearance, was approved. The letters also said to continue paying my normal payment till XX/XX/XXXX, which normal to me was the {$93.00}, not the untenable hike that caused me to request immediate recalculation. Had the letter not incorrectly informed me, or had the form not allowed me to incorrectly request a reduced one-month payment, I would have known to save enough money for the XX/XX/XXXX payment. Now, I have to dig into my meager emergency savings and put more debt on my credit card.
I emailed XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and did not receive a response with respect to my confusion about how much to pay on XX/XX/XXXX. I finally called today on XX/XX/XXXX and spoke with employee # XXXX who confirmed that I am expected to pay {$440.00}, despite their runaround and miscommunications. I will pay the {$440.00}, but I am submitting this complaint because I feel XXXX XXXX needs to be held responsible for their misguided forms and lack of response.
XXXX XXXX is intentionally difficult because it makes money off of people in revolving debt. These practices are unfair.
Company Response: Closed with explanation
2019-01-24
CO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: They are not responding to my income based repayment or my public service based forgiveness within a reasonable time. They have far surpassed the dates to respond in a timely manner, and are rejecting my application for unfair reasons.
Company Response: Closed with explanation
2019-01-24
Ridley Park, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: XXXX XXXX XXXX does not report payments that I pay. I check monthly and they get the money when I check it's all ways some excuse told to me some 3 Rd party credits the account. It's all ways some story to the payment. I don't get no phone call back after they say there going to look in to it. I fax the copies of payments every month it's they did ot get it. but when I check the bank or the XXXX XXXX they had the money and cash it. There is nothing but the run around with XXXX XXXX. on my credit file there has not been no payment reported for the last 5 months up to XX/XX/XXXX. I have all my copies as well as proof they cashed the checks. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which makes no sense to why XXXX XXXX Cashed the checks but not reporting my payments. I fax time after time proof but no return call. Nor a letter as stated by the phone.
Company Response: Closed with explanation
2019-01-24
Broadway Manchester, 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 explanation
2019-01-24
Cameron Park, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I contacted XXXX back on XX/XX/XXXX I was told that my loans would go automatically go back forbearance until I receive a determination. It is now XX/XX/XXXX, my loans are now back into repayment. My Borrower Defense to Repayment is still valid an should be processed in a timely matter.
Company Response: Closed with explanation
2019-01-23
TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: In XXXX of XX/XX/XXXX I had my loans transferred to XXXX because as a XXXX XXXX XXXX, I wanted to work towards loan forgiveness. Up until this point, I had no issues with my income based repayment applications being processed and I made timely payments. Since working with them, i have received conflicting information regarding my application status. Forms that were to be mailed to me were not. They claimed to have not received one form but inexplicably received the other. Most recently, I entered a doctoral program. I initially wanted to continue on my IBR and requested to continue to pay. they denied it and said i had to pay {$1400.00} which I could not afford. I then reapplied for in-school deferment while the situation was rectified. I was told in XXXX that I would receive a form in XXXX and all would be well. I received the form in XX/XX/XXXX immediately faxed it back - was told that it would be taken care of immediately only to find that {$1400.00} had been deducted from my account that I did not have money for and could not afford. The website does not allow you to remove bank account information from the profile as it states. I have just had horrific customer service, representatives who know absolutely nothing and they have now created a financial hardship for me and my family.
Company Response: Closed with monetary relief
2019-01-23
Tampa Palms, 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
2019-01-23
Washington, DC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-01-23
Inkster, MI
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
2019-01-23
Little Flock, AR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-01-23
San Francisco, CA
Threatened to contact someone or share information improperly
Debt collection: Federal student loan debt
Contacted you after you asked them to stop
Company Response: Closed with explanation
2019-01-23
ME
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I have been paying monthly for 10+ years. Since XX/XX/XXXX- Ive worked with XXXX with XXXX as a XXXX XXXX -and therefore my job qualifies me for PSLF. Ive been forced out of this program in the past as my income based repayment was at one time $ 900+ per month. Finally I received notification that my IBR would be affordable- and so I enrolled again over 1 year ago for the PSLF . My payments last year were {$570.00} and now this year are {$470.00}. I am not making dramatically a different salary- so the fluctuations are a little weird- especially that when I first applied - my payment was {$900.00}.
I checked this weekend to see where Im at with qualifying payments- it said 3!!!
I just emailed them and havent heard back yet. My real frustration is that Ive made these payments since XX/XX/XXXX and have worked since XX/XX/XXXX in a qualifying area. I believe that they are playing games with me in The following ways : 1. Giving me a very high ibr when I initially enrolled.
2. In the years after I wasnt enrolled because I couldnt afford it- I called almost every 6 months to try and find options that would make sense and that I could afford.
3. Finally- after wasting several years not enrolled - I reapply and its affordable? Its basically the same payment I was paying?
4. Now that Ive been enrolled officially into PSLF since XX/XX/XXXX- I only have 3 payments listed as qualifying?
Help!
Company Response: Closed with explanation
2019-01-23
NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I received the documents pertaining to my first complaint with Consumer Financial Protection Bureau but XXXX failed to state that there would be an interest increase and ultimately a loan increase before they did the forbearance in their reply to the CFPB. Just like last year, I have the emails from XXXX where they stated a renew is needed but they did not provide the portals or state the necessary documents. I also have emailed that I sought a partner who I used to work with Doc Prep or Documents Benefits Center and they replied late. The renewal only covers next month up to a year without the previous months. During last year, XXXX has never gave me access to my account.
Company Response: Closed with explanation
2019-01-23
NY
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't temporarily delay making payments
Complaint: I wrote to XXXX XXXX and requested a deference. Their email system is closed to me. Even though I have an account with them and they are my loan service company. I would like a deference and that my account be opened with a username and password. I have ended the service with XXXX XXXX and they no longer represented me in student loans repayment.
Company Response: Closed with explanation
2019-01-22
OH
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I was on a repayment forbearance program. I am on government assistance ; which is what qualified me for the program. XX/XX/2017 I recieved communication that I needed to resubmit my documentation from XXXX to continue my forbearance which I did. XX/XX/2017 contacted XXXX XXXX to ask about a notice I received that they no longer service my loan that it had been sent to collections. I should not have been in default! For the last year or more I was working with a creditor XXXX making {$5.00} payments that I couldn't afford! Point is I should never have been taken off of the forbearance program! Now I'm in a tax offset which will take my hard earned money!! There is nothing stopping XXXX from forcing people into default that dont belong!!
Company Response: Closed with explanation
2019-01-22
Houston, TX
Problem with a credit reporting company's investigation into an existing problem
Student loan: Federal student loan servicing
Their investigation did not fix an error on your report
Company Response: Closed with non-monetary relief
2019-01-22
Houston, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-01-21
MO
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I was initially rejected for the Pslf program even though I met all eligibility except for the repayment plan which I never told did not qualify.I then applied for the temporary expanded loan forgiveness program.Was told several reason why I didnt qualify.first was told I had only made 119 payments of the required 120 which was not correct as had made 131 payments.Then was told I wasnt in Type of repayment needed as wasnt paying enough each month.Again something I had never heard of.Seems whatever I do is rejected.Feel like the foregiveness program is a fraud program.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Company Response: Closed with explanation
2019-01-21
Pulaski, MS
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: In the summer of XXXX, I applied for Public Servant Loan Forgiveness using form OMB No. XXXX so that my payments could begin being tracked as qualifying payments. I began employment as a XXXX employee on XX/XX/XXXX. In XX/XX/XXXX, my loan was transferred from XXXX to XXXX XXXX. My first payment due at XXXX was in XX/XX/XXXX. The payment count on that initial monthly statement showed five qualifying payments fro seven of eight loans ( only two qualifying payments for one of my eight loans, Loan G ).
The correct payment count as of XX/XX/XXXX should have been 29 for seven of the eight loans. Full payment was made in every month from XX/XX/XXXX to XX/XX/XXXX except for in XX/XX/XXXX ( applied for IBR a month late and it caused us not to be billed one month ) and XX/XX/XXXX ( PSLF application caused the transfer from XXXX to XXXX and we weren't billed that month ). For Loan G, the correct number of qualifying payments as of XX/XX/XXXX was 23. I was making extra payments on Loan G in XXXX which caused me to not receive a bill. The intent was for those payment to be applied to principal. Instead, they were held as an early payment and simply caused me to not receive a bill on the loan in multiple months. Since I was on Autopay, it's not something I really noticed. I made large payments on Loan G in XXXX, XXXX, XXXX, and XX/XX/XXXX. All other months of XXXX and XX/XX/XXXX, no bill was received and no payment was made, so I understand I receive no credit for payment in those months. That puts Loan G six payments behind the rest of the loans ( it would be seven, but no loan was paid in XX/XX/XXXX per above statements ).
We requested a review of the PSLF payments in XX/XX/XXXX. We were told the review would take around 90 days and that XXXX would contact us after it was complete. We heard nothing by XX/XX/XXXX, so called again. Spoke with rep XXXX ( XXXX ) who indicated she would review the payments manually from XX/XX/XXXX to present.
By XX/XX/XXXX, we decided to call again. Spoke with XXXX ( XXXX ). XXXX saw the review was submitted and indicated it would take 90 days and they would reach out to us when they had more info.
We submitted another PSLF form ( OMB No XXXX ) in XX/XX/XXXX per federal guidance the a form be submitted annually to maintain the PSLF credit record.
In late summer XXXX, we called again. Spoke with XXXX ( XXXX ) who noted the review began in XX/XX/XXXX ( which is incorrect - it should have begun in XX/XX/XXXX ). She could not give us any other information so we asked to speak to a supervisor. Transferred to XXXX ( XXXX ), XXXX could see that there was activity since XX/XX/XXXX and indicated that certain documentation was missing, but could not tell us what documentation was needed. XXXX sent a request to management to expedite the review. She also indicated there was one month of non-payment in XX/XX/XXXX, which we agree with. XXXX said there is a third party organization the reviews the PSLF credits and they were working on a new process that may be slowing the review down.
On XX/XX/XXXX we received notice that the PSLF form was incomplete. After review, we saw that the form was missing the first page.
On XX/XX/XXXX a new PSLF from ( OMB No XXXX ) was submitted. It was approved on XX/XX/XXXX but the letter from XXXX did not indicate the number of qualifying payments recorded. The next XXXX bill received was XX/XX/XXXX and still indicated the original count of 5 payments.
The bill received on XX/XX/XXXX showed a new count, but it was still incorrect. It showed 19 qualifying payments ( 16 for Loan G ). This indicated to me that they recorded the payments made in the last year and two months between applications but had not reviewed the original count to apply additional payments made since XX/XX/XXXX.
Still having not been contact by XXXX, my husband called again on XX/XX/XXXX. It's now been 15 months since the review began. He spoke with XXXX ( XXXX ). XXXX could only say that the review was ongoing and they would contact us when it was complete. My husband asked to speak to a supervisor and received Escalate Agent XXXX ( XXXX ). XXXX indicated the review would take 12-15 months and that we should call back in the summer, that being 15 months after our XXXX XXXX call. Per an article we read on XXXX, we requested to speak to a XXXX Borrower Servicing Advocate. XXXX told us he was the highest level of employee that we could speak to and that we could write a letter to the Ombudsman Group if we wanted. We asked if we were to contact the CFPB would that change things, and XXXX would not comment on that other than stating there was no way to expedite the review and that we should continue to wait.
As of the last PSLF form approval of XX/XX/XXXX, the correct number of payments should be 43 on the first seven loans and 37 on Loan G. This excludes the last two payment made since that form was approved. I have documentation of every bill paid dating back to XX/XX/XXXX. XXXX has not asked for any additional documentation and can never give an answer regarding when this review will be completed or what is needed to help them correctly count the payments. We are at a complete loss as to the next steps we can take to get them to move on this issue, so we are contacting the CFPB in the hopes that will incentivize XXXX to take action.
Company Response: Closed with explanation
2019-01-21
NH
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: My name is XXXX XXXX. In 2017 my loan funding ran out and due to tgat I had to end my student status which began repayment billing. This is where I realized I was being billed XXXX a month. I called explained this is impossible and was told due to my financial status I could do student forgiveness or be lowered drastically. I sent copies of paychecks and tax returns yet nothing occurs. I've written a mails and complaints and just watch my credit score drop to nothing. I need help possibly attorney?
Company Response: Closed with explanation