Date Received: 2022-08-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: During the XXXX and XXXX years, I tried to contact American Education Services about the loan they said I owed. They refused to correspond with my dozens of letters. I was in XXXX for XXXX My mom had to contact them and they told her the interest would be deferred during my XXXX ( because I had no income at all ). They later told her the loans would be forgiven and considered paid in full. I now receive a letter dated XX/XX/XXXX, where AES is asking not only for the principal but an additional 11 years ( or so ) of interest. Furthermore, no one will tell me what this principal is in regards to. I paid off my loans completely. Today when I called ( XX/XX/XXXX ) was the first day that someone told me the vague response that it " was a grant that converted into a loan. '' I still have no idea what that grant was or why it converted to a loan. No one will tell me and I don't know the validity of it. I should also note that the letter they sent me says that the " loan ( s ) identified below, serviced by American Education Services ( AES ) and owned by the Pennsylvania Higher Education Assistance Agency ( PHEAA ), are in default. '' When I called PHEAA, they said I have no debt or active loans to them. When I questioned AES about this, they said that the loan is actually not owned by PHEAA ( despite what their letter states ).
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My name is XXXX XXXX. I am reaching out with respect to the PLSF waiver. Prior to XX/XX/XXXX, I was making payments to XXXX. I was never eligible for PLSF because my loans were not the correct type of loans, despite working in XXXX XXXX as a XXXX at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I applied to consolidate my loans ( as suggested by the government to be eligible for the PLSF waiver ). My loans were consolidated. I applied for Employment Certification in XXXX as well. In XX/XX/XXXX my counts were finally updated. I have approximately 92/120 payments. However, this was not correct as my belief was that I was well over 120 payments. I did some more digging and learned that the Government put me on School Deferment from XXXX and did not inform me ( I started a XXXX XXXX XXXX ). I continued making payments during that time ( therefore, over 60 payments ), all on time and full amount and I have documentation. During this time ( and still today ), XXXX XXXX XXXX XXXX XXXX My payments were over $ XXXX/month. I continued to do some more research and submitted a back dated form to waive the School Deferment for that period of time. It was accepted but only effective starting XX/XX/XXXX. I contacted and complained through the FSA portal. I finally received notification yesterday ( XX/XX/XXXX ) that they are closing my complaint. They are stating that the PLSF waiver can not be applied to school deferment periods and my waiver can not be applied prior to consolidation in XX/XX/XXXX. This makes no sense to me. I did my due diligence and paid on my loans. I did not default once. I have been working at an eligible institution since XXXX and have paid well over 120 payments, these are all the requirements of the PLSF temporary waiver. However, I am being denied because I did not apply to waive a school deferment that I was not aware of that the Government put me in. Please help.
Company Response:
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The servicer AES will not report the balance of the loan to XXXX so that the loan can be pd. based on my father being totally XXXX. The loan should have never been in default, It was on income based that was XXXX for the last couple of years and then for some reason it was denied and went into default. I have called AES for the last couple of months, put in a complaint through the US Dept of education and still nothing. I am livid. Please help. XXXX XXXX, POA for XXXX XXXX
Company Response:
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My loans were transferred in XXXX from XXXX XXXX XXXX to MyFedLoan, after I submitted a request to complete PSLF. My ending balance from XXXX when this transfer occurred was : {$100000.00} Upon further research, I requested a refund for payments made between XX/XX/XXXX and XX/XX/XXXX ( which was the last date I made payments towards my loan ). The amount equals, {$8600.00} towards loans that were NOT closed out. On XX/XX/XXXX, I requested to MyFedLoan a refund of these payments, they needed documentation from XXXX of my payment history, which I provided from XXXX, and highlighted the payments which qualified for this refund. I was told ( after calling several times ) I was eligible to receive {$7700.00} as a refund, which should take 2 weeks- 2 months. The amount was added back to my loan balance, equally {$110000.00} -- NOT " pending '' - simply readded back to my balance. After I kept calling, received SEVERAL different answers from several different reps, I was told this is normal and the refunds are taking more time due to an influx in requests. I then learned that one of my payments on XX/XX/XXXX of {$900.00} was not initially counted towards " payments I can get as a refund '' and I requested that one to be added in XX/XX/XXXX. I received a check for {$900.00} a few weeks later and my new student loan balance read {$110000.00}. I continued to call MyFedLoan with attempts to have this issue escalated in order for me to receive this payment of my refund, without a resolution. I was then told my loans would transfer to XXXX on XX/XX/XXXX ... and they still currently do not have my information until XX/XX/XXXX. I am submitting this complaint, as I am still owed {$7700.00} that was requested in XX/XX/XXXX. I am not sure where to turn at this point, but have been scammed out of this money - repayments will be resuming soon, with accruing interest, on this amount that I have not received back. Please advise
Company Response:
State: CT
Zip: 06437
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: During the Pause of all student loan repayments, this company stated that My student loans were too old to fall under the stop. When I tried to dispute this they told me there was nothing they could due, because of the way the law was written. I did some research and found out that they lied to me. There was no date put on what student loans were supposed to be paused. They have been charging me interest and late fees for the entire time the Pandemic Loan pause has been in place.
Company Response:
State: MN
Zip: 558XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In XX/XX/XXXX I entered in a consolidation agreement with a XXXX XXXX XXXX to consolidate my student loans with AES XXXX XXXX XXXX. I contacted AES and was informed that my student loans would be in forberance while the loan was getting consolidated and paid by XXXX which would take around 2 months. The loans were consolidated and AES was paid in XX/XX/XXXX. However, AES has since then continuously reported 60 days late on my credit profile even though I should have had a temporary forberance period. I have written to AES to request a good faith removal as this was not reported accurately. AES refuse to grant my request. AES has reported 60 days late in XX/XX/XXXX to XXXX and XXXX credit reporting agency and has reported to XXXX 60 days late for XXXX and XX/XX/XXXX even though they were paid and the accounts closed in XX/XX/XXXX. Their report on my credit profile are inconsistent and incorrect as some loans state late XX/XX/XXXX and others state late XXXX and XX/XX/XXXX. They have reported the loans were paid XX/XX/XXXX, XX/XX/XXXX XXXX agency and XX/XX/XXXX to another agencies. These dates are not consistent. The reporting is inaccurate. AES was paid off in XX/XX/XXXX, so how can they report 60 day late for both XX/XX/XXXX and XX/XX/XXXX. Please I urge someone to look into this company 's and credit reporting agency unfair credit reporting practices.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Please remove all late payments as a good faith act.
Company Response:
State: MS
Zip: 391XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: FEDLOAN is not giving updated number of payments. FEDLOAN is not updating my account consistently with CARES ACT. - employment has been verified XX/XX/XXXX - fedloan is not counting payments until XX/XX/XXXX ( when consolidated, which limited waiver of CARES said is incorrect )- they are not counting my employment dates in XXXX and XXXX and XXXX of the recent year XXXX with last employer despite form from company - i want an accurate count which should be XX/XX/XXXX and expected payoff as of XX/XX/XXXX as I have been employed and had verified since XX/XX/XXXX and made payments every month until XX/XX/XXXX with CARES ACT taking over and attempted payments XX/XX/XXXX to XX/XX/XXXX but not full payments due to approved hardship ( which CARES ACT still states should count ) - FEDLOANS HAS ADDED MORE YEARS TO MY SERVICE NEEDED FROM 10 YEARS ( XX/XX/XXXX TO XX/XX/XXXX ) TO NOW REQUIRING XX/XX/XXXX!!!! - FEDLOANS HAS INCREASED SERVICE REQUIRED FOR XXXX FULL YEAR
Company Response:
State: KY
Zip: 40741
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: For the last year I have been trying to get in touch with the Public loan forgiveness department under fedloan servicing. Fedloan servicing is the worst loan servicer and company I have ever had to deal with it. I want more information on how to get more credit for months when I was working at XXXX and when I ask an agent to speak with the Public Loan forgiveness department, they place me on hold for two hours and hang up on me as soon as someone picks up the phone. I have not been able to reach anyone for over a year to ask about the PSLF waiver update and how to be able to use it. Specifically the PSLF department at fedloan servicing is not responsive. Today on XX/XX/22, I called again and after over an hour of waiting on hold for that department, a horrible customer service representative answered the phone and refused to identify her name and refused to even confirm that I reached the correct department. It is very difficult to get the full advantages of being in the public loan forgiveness program when customer service in that department at fedloan servicing is so unhelpful and it is not possible to get any information. This representative was very nasty and refused to give me her name. However in general it should not be so impossible to get in touch with someone from this servicer. They are not helpful with any questions.
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I took out around {$19000.00} to get an XXXX degree from XXXX. I was an independent student so at the time federal loans and grants fully funded my education. When I graduated I had a job that barely allowed me money to live. I consolidated all my loans to XXXX XXXX who subsequently sold the loans to AES aka PHEA. From around XXXX my loans were serviced by PHEA. early on in the repayment I defaulted and the amount grew to {$29000.00}. I was able to get back on track but in XXXX I was getting divorced and again found myself unable to pay my loans. After exhausting my Forbarences I was in hours of conversation with PHEA as to how I could get on an income driven plan to lessen the burden. I was told that the only way I could do that would be if I went into default. Shortly after the 120 days were up in I was in financial ruin, I was contacted by PHEA and offered an income driven repayment plan, I took the offer. I was told that my payments would be $ XXXX month until I didnt qualify anymore. I was also told that because I defaulted that my new loan with the collection fees would be {$59000.00} and that all my qualifying payments made towards PSFL Would no longer qualify and that I would need to start over. My loans are now {$89000.00} ( I added {$2200.00} for a masters mostly because being a XXXX XXXX XXXX again was safer ). I asked PHEA to audit my loan for months as I though that {$30000.00} in collections fees were absurd but they sold my loan to a new servicer and never answered my correspondence except once to say that they no longer service my loans. I recently learned that the state of Massachusetts sued PHEA for the very practices that I am speaking of and I was excited that someone was doing something. I was living in Massachusetts until XXXX which my luck would have it is the exact cutoff for the lawsuit. I dont know what else to do.
Company Response:
State: NH
Zip: 03062
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A