Date Received: 2023-05-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: It would appear PHEAA has blocked my account access, which is another red flag. I feel they are doing all of these things as a response to me fielding complaints against the organization.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account, this is invalid late payment for XX/XX/2018 on two accounts, If you can not supply this delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.
Company Response:
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I am an American citizen who is doing XXXX school in XXXX at a university recognized by the US Department of Education and is eligible for Federal direct loans. I applied for an in-school deferment with AES, and they denied my request twice, claiming that my school was not recognized by the Department of Education XXXX When I asked for documentation that my school was not recognized, such as a list of recognized schools, even after I provided a list of recognized schools that included my schools, I received no reply. Since about XX/XX/2023 I have had to pay the full amount of my student loan despite, in my opinion, being entitled to an in-school deferment.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX is asserting my rights and disputing my debts under Code 15 US 1681c-2 1681b 1692-g and 168152 shall remove any information in my file regarding the credit Act.I am requesting this removed immediately, because the information is negative and outdated according to the fair act, and i am requesting a charge off from debt on my credit report. Accounts Affected by the Crime
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The creditor AES has responded to a CFPB complaint confirming that my student loan accounts sequence XXXX are active/open with a balance ; however, XXXX refuses to correct the erroneous reporting. I have provided documentation to XXXX from the creditor, and AES has confirmed that they sent the proper information for XXXX to change the account status from closed to open and to update the actual balance for each account, but XXXX refuses to correct their inaccurate reporting which violates FCRA protections. I have contacted XXXX directly and they still refuse to correct the information theyre reporting stating that the documentation I provided to them could not be used to correct the error ; disregarding the fact that the documents were rendered to me directly from the creditor and through this CFPB portal. XXXX is violating my rights under the fair credit reporting act and this matter is causing significant harm to my ability to establish new credit with creditors and securing approval for a rental property for shelter.
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: A full payment that was due on the account on XX/XX/2023 was scheduled to be paid for XX/XX/2023. On XX/XX/2023, the online portal that PHEAA releases to those for managing their account falsely advertised that my account was delinquent despite the payment being made online ON THE DUE DATE and FOR THE DUE DATE. This is an ongoing pattern and happens every time payments are made. PHEAA ignores and disregards the issue and tries to intimidate me for making CFPB complaints about it in the interim. If I call in or submit Customer Service Inquiries about the issue, I am met with responses that deflect the issue and Agents will respond with statements that they have no control over the issue. I have had to complain about this so many times. Unfortunately, unless and until it is corrected, complaints will be submitted. PHEAA needs to stop blaming the borrower and defending their dodgy behavior for the terrible decisions and policies that were made by idiots running that organization.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My new account is with XXXX. AESXXXX keeps reporting me delinquent when they transferred the loan to XXXX in XXXX XXXX XXXX. I want all AES/XXXX to be removed from my credit report. They are committing fraud and hurting my credit profile. They should also be past the the statute of limitations on reporting.
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had 3 loans for my XXXX kids who attended XXXX XXXX with Fed Loan Serv between XXXX, during that time I had a late payment. After my son graduated, he went to the XXXX and paid off all loans. This was over 7 years ago, which should have been removed from my credit report by now. I've tried numerous times to dispute this account with the credit bureaus but each time, they come back saying the dispute is completed without any change. If this agency no longer exists, how can I make sure the negative credit reporting from 2013 is removed?
Company Response:
State: CA
Zip: 95376
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am submitting proof that this company still owes me {$550.00}. The account they claim to have reimbursed ending I. XXXX does not exist to me. They reimbursed the wrong account in this case. The documents I am submitting show the underlined amounts this company claim to have reimbursed me to be inaccurate and I have proof of what I did receive from them in the screenshots from my bank account. Only a partial amount was reimbursed to me.
Company Response:
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I. BACKGROUND Over the last five ( 5 ) years I, XXXX XXXX XXXX ( Consumer and/or Plaintiff ), have been DENIED access to extended credit opportunities via Credit Cards , Lines of Credit for my Businesses , and even been denied employment and professional advancement opportunities because of the numerous, egregious, fraudulent, unauthenticated, and negligently reported INACCURATED, AGED, DUPLICATE ACCOUNTS, and/or NOT MINE but are still being negatively reported on my credit file. These negative reports has caused me irreparable harm, emotional harm and distress, damages, loss of income and loss of employment opportunities via my inability to have my Secret level security clearance restored because of the fraudulently perceived Bad Credit image that has been falsely stained my character by XXXX, AMERICAN EDUCATOIN SERVICES ( AES ), PENSSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY ( PHEAA ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX, and other Credit Reporting Agencies ( individually and/or collectively the CRA and/or Defendant and Disputed Account Holders ), all in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Maryland Consumer Credit Reporting Agencies Act, Annotated Code of Maryland, Commercial Law Article, 14-1201, et seq. I recently applied for a Commercial Realestate Loan for a property that I was looking to purchase for my business and potentially build a primary homesite for me and my family in my hometown of XXXX XXXX, GA. HOWEVER, I have been DENIED the extension of credit by the lending institution because XXXX 1 ) reported by Credit Score to them at a XXXX rating ; and 2 ) have negatively and falsely reported me having over 229 instances of DELINQUENCIES and/or LATE PAYMENTS over 90 days, which is wholly INACCURATE and mathematically IMPOSSIBLE!!!! See Exhibits A & B. Ive constantly disputed the accuracy of the information in my credit file over the last 5 years. After reviewing my credit report, I am writing to dispute the following inaccurate information. I am listing each item along with the way it should be IMMEDIATELY corrected as follows : II. HISTORY OF CONSUMERS EDUCATION / STUDENT LOANS BEING INITIATED, SERVICED, SOLD, AND RESOLD BY AMERICAN EDUCATOIN SERVICES ( AES ), PENSSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY ( PHEAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) LOAN SERVICING COMPANIES CAUSING IRREPARABLE HARM TO CONSUMER I graduated from XXXX XXXX in XX/XX/XXXX with my XXXX XXXX XXXX with ZERO Student Loan debt because I had a FULL FOOTBALL SCHOLARSHIP!! I then graduated from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with my M.S. in Nuclear Physics, again, with ZERO Student Loan debt because I had a FULL NUCLEAR PHYSICS SCHOLARSHIP!! I began my Physics Doctorial program part-time in XX/XX/XXXX. According to my XXXX XXXX XXXX Account printout by Term, I ONLY OWE A TOTAL OF {$98000.00} in total Student Loan Debt and ALL of it has been at XXXXXXXX XXXX for my Physics Doctorial program!!! When I secured my initial student loans through XXXXXXXX XXXXy, AMERICAN EDUCATOIN SERVICES ( AES ) was the initial loan servicer for my student loans on behalf of the U.S. Department of Education. Then after about two years, my student loans were SOLD/ TRANSFERRED from AES to PENSSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY ( PHEAA ) as the new owner and/or Servicer of the student loans. This is documented via Exhibit A, Pages 6 10, for all of the following student loan accounts : 1 ) # 7 - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$3400.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$8500.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$12000.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$9300.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$10000.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$8500.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$20000.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$10000.00} The collective loan amounts borrowed from AES, which were eventually transferred to PHEAA, totals {$82000.00} which is directly consistent with the student loan amounts shown on my XXXX XXXX Account Summary by Term, enclosed as Exhibit C. Beginning around fiscal year XXXX or so, my student loans were again SOLD/ TRANSFERRED from PHEAA as the owner and/or loan servicer over to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX who is now the current loan servicer for my student loans on the behalf of the U.S. Department of Education XXXX XXXX, when my student loans were received by XXXX they ASSIGNED NEW ACCOUNT NUMBERS TO MY LOANS WHICH CREATED NEW AND DUPLICATE INSTALLMENT ACCOUNTS TO SHOW UP ON MY CREDIT PROFILE!!! This is documented via Exhibit A, Pages 10 13, for all of the following student loan accounts : XXXX ) # XXXX - DEPT OF EDXXXX XXXX Account XXXX - {$20000.00} XXXX ) # XXXX - DEPT OF XXXX XXXX Account XXXX - {$8500.00} XXXX ) # XXXX - DEPT OF EDXXXX XXXX Account XXXX - {$9300.00} XXXX XXXX # XXXX - DEPT OF ED/XXXXXXXX XXXXXXXX Account XXXX - {$8500.00} XXXX ) # XXXX XXXX DEPT OF EDXXXX XXXX Account XXXX - {$3400.00} XXXX ) # XXXX - DEPT OF ED/XXXX XXXX Account XXXX - {$12000.00} XXXX ) # XXXX - DEPT OF EDXXXX XXXX Account XXXX - {$10000.00} XXXX ) # XXXX - DEPT OF ED/XXXX XXXXXXXX Account XXXX - {$10000.00} The collective loan value of these student loan installment accounts owned and/or serviced by XXXX totals {$82000.00} which again is the EXACT TOTAL for the SAME eight ( 8 ) installment accounts as listed above that were transferred over to them from AES and PHEAA!!! Additionally both AES and PHEAA still continued to negligently report the same accounts which they previously SOLD to XXXX on my credit profile which has now created DUPLICATE ACCOUNTS for the EXACT SAME STUDENT LOAN ACCOUNTS which has surely injured and caused irreparable harm to the consumer for the last 10 years at a minimum and continuing to date. Lastly, in XX/XX/XXXX I took advantage of the XXXX offer by the U.S. Department of Education to both 1 ) Consolidate my current Student Loans ; and 2 ) to have all of my student loan Payments deferred until AFTER the worldwide pandemic and National Emergency had been lifted by Congress via the CARES Act. As such, I consolidated ALL of my student loan debt directly with the DEPARTMENT OF EDUCATION as the owner and creditor of my new CONSOLIDATED student loans. XXXX is still the current Loan Servicer of my student loans on the behalf of the XXXX Department of Education. See Exhibits J & K. This is documented via Exhibit A, Page 5, for all the following student loan accounts which initially appeared on my credit profile on XX/XX/XXXX : XXXX ) # XXXX - DEPT OF EDXXXX XXXX Account XXXX - {$61000.00} XXXX ) # XXXX - DEPT OF EDXXXX XXXX Account XXXX - {$110000.00} The collective loan value of these newly CONSOLIDATED student loan installment accounts now owned EXCLUSIVELY by the U.S. Department of Education, and now serviced by XXXX totals {$170000.00} which again appears to be inclusive of the U.S. Department of Education FRAUDULENTLY PAY FOR THE VALUE OF MY STUDENT LOANS THREE ( 3 ) TIMES TO EACH OF THE AES, PHEAA, AND XXXX XXXX XXXXXXXX XXXX !!! ! As such, the Federal Government has already PAID IN FULL and CLOSED all of the SAME 16 student loan installment accounts as listed above that were transferred over to the Federal government from XXXX, AES and PHEAA!!! UNFORTUNATELY, XXXX, AES and PHEAA all still continued to negligently, inaccurately, and egregiously report the same accounts which they previously SOLD back to the Department of Education on my credit profile which has now created at total of 16 INACCURATE and DUPLICATE ACCOUNTS for the EXACT SAME STUDENT LOAN ACCOUNTS which has surely injured and caused irreparable harm to the consumer for the last 10 years at a minimum and continuing to date, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Maryland Consumer Credit Reporting Agencies Act, Annotated Code of Maryland, Commercial Law Article, 14-1201, et seq., and the Maryland Consumer Protection Act ( MCPA ), Md. Code ( 2013 Repl. Vol., 2017 Supp. ), 13-101 et seq. of the Commercial Law Article ( C.L. ).
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A