Date Received: 2023-08-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: American Education Services aka PHEA has returned my payment from XX/XX/ and this was for the amount for {$1200.00} and this is the third time they've done so, despite my using the same bank information everytime.
Company Response:
State: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: What happened? Over the last XXXX ( XXXX ) years I, XXXX XXXX XXXX XXXX ( " Consumer '' and/or " Plaintiff '' ), have been DENIED access to extended credit opportunities via Credit Cards XXXX 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, XXXX, and other XXXX XXXX XXXX ( 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 XXXX ) reported by " Credit Score '' to them at a XXXX rating ; and XXXX ) have negatively and falsely reported me having over XXXX instances of " DELINQUENCIES '' and/or " LATE PAYMENTS '' over 90 days, which is wholly INACCURATE and mathematically IMPOSSIBLE!!!! See Exhibits A & B. I've constantly disputed the accuracy of the information in my credit file over the last 5 years. Most recently, on or about XX/XX/XXXX, XXXX University posted a Collections on my credit file for all CRAs in the amount of {$17000.00} and I want to know WHY????? The last semester I attended XXXX was the Fall of XXXX ... and this was NEVER on my CRA accounts until XX/XX/XXXX?? THIS IS NOT MY ACCOUT NOR DEBT!!! This needs to be resolved ASAP because this issue is both putting my Federal Clearance in jeopardy and it is interfering with my purchase of a home that I'm due to go to closing within the next 30 days. As such, the actual damages sustained by the Plaintiffs as a result of the Breach of Contact, Theft, Breach of Fiduciary Duty, Negligence, Criminal Negligence, and other collective acts of the Defendants include, but are not limited to : Financial monetary loss of XXXX} in Earnest Money Deposits due to decreased credit ratings and inaccurate reporting. Financial monetary loss in the XXXX} appraised market valuation of the Subject Property due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference in the XXXX in monthly income from the Billboard and Cell Tower revenue from the Subject Property due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference in the lending of XXXX in capital from XXXX XXXX for the Acquisition and Development of the Subject Property due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference with the planned future Planned Unit Development ( PUD ) Mixed-use rezoning of the property valued in excess of {>= $1,000,000} USD due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference in the lending of XXXX in capital from Plaintiffs new lender, " Cleared for Closing '' for the Acquisition and Development of the Subject Property due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference regarding the XXXX separate Real estate appraisals and fees that the Plaintiff paid for to support his cash-out refinance of his XXXX asset properties totaling over XXXX XXXX in valuation due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference with the planned future redevelopment of the site into XXXX Multifamily Apartment units with a planned estimated investment and valuation in excess of {>= $1,000,000} due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX of XXXX XXXX, GA due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX of Georgia due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX government due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX XXXX XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX Department of Veteran Affairs due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX Department of Treasury. Tortious Interference with Plaintiffs business relationship with the XXXX Department of Housing and Urban Development due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the Savannah Morning News and other local and national media outlets due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with Georgia XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs image, brand, and likeness for XXXX XXXX XXXX and XXXX XXXX, XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs reputation and good name due to decreased credit ratings and inaccurate reporting. Mental, emotional, physical pain and suffering Negligence Criminal Negligence Negligent Infliction of Mental, emotional, physical pain and suffering. Breach of Duty of Good Faith and Fair Dealing. Breach of Fiduciary Duty Breach of Contract Others to be determined. Furthermore, under Georgia law, damages for mental suffering and emotional anguish can be recovered, when there is an intentional infliction of mental distress, without a showing of contemporaneous physical harm. Carrigan v. Central Adjustment Bureau , Inc., 502 F. Supp. 468 ( N.D. Ga. 1980 ).
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I applied for the PSLF and received a letter from Fedloan Dept. of Education, on XX/XX/2021, that they received the form and the second page stated my loans " Are being transferred for PSLF eligibility confirmation, " further stating that they " Reviewed my PSLF certification and application form and based on my employment and other information ( we ) determined that ( you ) have eligible loans and ( your ) employment qualifies for PSLF and that ( they ) do not know yet whether I had made the 120 qualifying payments to be eligible for forgiveness ( note I have a copy from my servicer ) of all my payments and have over the required amount ) to be eligible for forgiveness, and that before ( we ) can determine if ( you ) are eligible for forgiveness ( we ) must transfer all ( your ) XXXX XXXX. of XXXX owned loans from ( your ) current servicer to us. '' I have been waiting for those transfers and any information. I never received information form servicers tehy had my loans, and calling Dept, of Ed, XXXX, and XXXX has been a nightmare. I am unable to log onto XXXX becasue XXXX now has my loans, which should have gone to XXXX, and XXXX said I needed to talk with XXXX. XXXX told me they don't have them. I received an email my student loans are coming due ( despite I applied for forbearance while my PSLF was being forgiven. I filed a complaint with the Dept. of Education who responded in an email that they " ... were not able to locate ( my ) application on XXXX 's status center '' and that " We recommend that you submit a new application to be sure your information is fully processed ''! further, it would take approximately 30 calendar days then take another 60-90 days from the date ( my ( PSLF form is approved. It was already approved back in XXXX of XXXX! I have the account number assigned to my Dept of Ed Fedloan 's letter dated XX/XX/2021 but I have not been able to reach XXXX ( and now the Dept. of Ed Fedloan 's Loan Discharge and Forgiveness '' department by phone to provide the account number assigned to my PSLF form that they received it and determined through my employer I am eligible, etc. I have a copy of all my on-time, never late payments from my loan holder/servicer with their letterhead on it of all my payments since XXXX that I can provide.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XXXX an electronic payment was sent to PHEAA ( address XXXX XXXX XXXX XXXX XXXX MO XXXX ) for {$4500.00} and processed on XXXX. PHEAA was my old loan servicer. I have submitted a complaint with Federal Student Aide to determine the status of this payment and can not get any information regarding this payment. The payment has not been transferred to my loan provider nor has it been refunded back to me. They keep providing me with general information which does not help with locating this payment then getting it to the correct provider. Interest and payments are set to resume in less than 2 weeks and no one will give me any information about it. The payment will pay off my account.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: On XX/XX/XXXX I filed complaint # : XXXX Against AES ( American Education Services XXXX for not granting him a deferment. They responded promptly and gave this student a deferment until XX/XX/XXXX under account number, XXXX. The problem is, this student is still in school, and his updated Expected Date of Graduation : XX/XX/XXXX ( about 2 years away ), and AES is unwilling to extend the date of deferment.
Company Response:
State: TX
Zip: 78520
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On dates- : XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX I requested an itemization of the current amount of the debt with specification of where each student loan amount was applied to and its corresponding Semester/School Year. My request was initially forwarded to the legal offices of XXXXXXXX XXXX XXXX XXXX XXXX who to date have failed to provide me with the requested information thus my rights under the XXXX Consumer Finance Protection Bureau Debt Collection Rule was disregarded making XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Though, it is true that in good faith on XX/XX/XXXX, I agreed to payment of all student loan monies owed to XXXX XXXX XXXX XXXX XXXX XXXX additional information from the Student Loan Financer, Navient, called into question the Accounting practices of XXXXXXXX XXXX XXXX XXXX XXXX XXXX Navient provided me with an Itemization of the current amount of the debt ( including interest, fees, payments, credit ) and the specifications of each semester in which the loans were applied. Navient paid monies to XXXX XXXX XXXX XXXX XXXX via Student loans I obtained during corresponding semesters.
Company Response:
State: DE
Zip: 19966
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
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 recently disputed 4 items on my XXXX Credit Report from the following creditor : FED LOAN SERVICING Accounts ending in XXXX. XXXX, XXXX and XXXX. The items have inaccurate information in regard to past due status and history. The student loans were included in US Department of Education Fresh Start Program which required the deletion of default and negative history on rehabilitated student loans. The loan service is no longer operating to provide the updates to my credit report so how is XXXX in good faith verifying this information is accurate. In addition, these loans are reflected accurately on my XXXX and XXXX credit reports. I am including in the attachments a copy of the closed dispute from XXXX. I am also including a copy of the letter from the US Department of Education stating that these loans have been rehabilitated and I have included proof that FED LOAN Servicing is no longer operational.
Company Response:
State: NY
Zip: 11554
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I disputed via XXXX, only to get a response that the information had been updated. I don't know how it can be updated when nothing changed. It should be removed especially when ALL my student loan debts were paid off due to my total XXXX. I tried to explain that the things they have listed are about loans that state they are paid off under the " Department of XXXX. '' are the same amounts, dates, etc, just a different account number and listed under " Fed Loan Servicing ''. I also tried to reach out to Fed Loan Servicing via the phone number ( XXXX ) they have listed not only on my credit reports but on the responses received about the disputes. The number is DISCONNECTED AND NO LONGER IN SERVICE. Seriously!?! This is absolutely insane.
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I graduated from grad school on XX/XX/XXXXXXXX and have been underemployed since then. I knew that my private student loan payments would resume immediately following graduation. I called American Education Services ( AES ) customer service on or around XX/XX/XXXXXXXX to ask what payment options are available to me since I am experiencing financial hardship. The customer service representative I spoke with suggested applying for Loan Modification ( LM ) and they told me about the details of the program. The details that I was told are also on the first page of the LM application ( see attachment ). I received the LM application on Friday, XX/XX/XXXX. I completed and submitted the LM application on XX/XX/XXXXXXXX via the online file upload tool on the AES website. As part of this LM application, I only included my ( the borrowers ) financial information, and not the co-signers financial information. I did not include the co-signer in this LM application because the co-signers income does not determine my ( the borrowers ) ability to make loan payments. After not hearing back from AES about the LM application I submitted on XX/XX/XXXX, I called AES customer service on Wednesday, XX/XX/XXXX. When I called, I was told that my LM application was delayed because I did not include the co-signer. AES was unable to provide a detailed explanation for this delay, but assured me that the LM application delay was due to not including the co-signer on my application. I explained that the reason I am even applying for the loan modification is because I am currently experiencing financial hardship due to unemployment following graduation. I also said that the co-signer and their income does not determine my ability to make loan payments. The customer service representative told me that my financial situation is not the only determining factor for loan modification. I said that is really interesting that my financial situation is not a determining factor since the LM application only asks for financial information. I then asked if I could submit another LM application with the co-signer. AES said yes, and they sent me a new LM application since the application requires that it be completed within 30 days of receipt ( see attachment ). I received the second LM application on XX/XX/XXXXXXXX ( the letter is dated XX/XX/XXXX, see attachment ). I completed the second LM application and submitted it, with the co-signers information, on XX/XX/XXXX. On Friday, XX/XX/XXXX at XXXX XXXX, I received a response from AES regarding my second LM application. This was the response : Unfortunately, we are unable to grant your request for the loans referenced in this letter due to the following reasons : The financial requirement ( net income less expenses ) for this program was not met by the borrower. However, if your income changes and you believe you may qualify for this program, the borrower can apply again at that time by contacting American Education Services ( AES ) for a new application ( see attachment ). On Monday, XX/XX/XXXX, I called AES customer service to ask about the specifics of this decision. I asked what is the financial requirement for the LM program? AES said that they were not sure what the financial requirements are since they dont set them. I thought this was odd since the LM application says that, AES will review your application and provide notification of whether your request was approved, denied or if additional information is needed to evaluate your application ( see attachment ). AES assured me that I must have some income in order to qualify. I said I do have some income, but this source of income is temporary and does not cover the expenses I listed in the application. I asked if there is a contact at XXXX that I could contact to ask about the financial requirements of the LM program. AES said they were not sure and did not have contact information to give me. AES suggested that I resubmit the LM application but leave the box in section A of the application unchecked ( see attachment ). I said that I will do that. On XX/XX/XXXX, I made the suggested edits to the second LM application, which was dated XX/XX/XXXX. I submitted the LM application a third time on XX/XX/XXXX. On Friday, XX/XX/XXXX at XXXX XXXX, I received the following response to my third LM application : Unfortunately, we are unable to grant your request for the loans referenced in this letter due to the following reasons : The XXXX Loan Modification Application that was mailed to you on XX/XX/XXXX, has expired. A denial letter was mailed to you on XX/XX/XXXX. If you wish to reapply for XXXX loan modification, the borrower will need to request that a new application be mailed. Nowhere on the LM application does it say that the application expires, it only says complete and return this package no later than 30 days from the date of the letter. The letter being referenced here is dated XX/XX/XXXX. This situation has been dragged out for months due to AES hiding information I need in order to receive support and AES sending me responses to my LM applications late on Friday nights. This is all happening while AES is aware that I am struggling to make my monthly loan payments. I reasonably expected that AES would correctly advise me on how to navigate the LM application process, since all of the documentation I received since XX/XX/XXXX encourages me to call AES if I have any questions ( see attachment ). However, after months of this I no longer believe AES is accurately advising me on this process. It feels as if AES is intentionally preventing me from understanding and thus participating in the LM program because AES stands to lose money. My monthly loan bill has steadily been increasing since XXXX -- in XX/XX/XXXX, my bill was {$320.00} ; in XX/XX/XXXX, my bill was {$320.00} ; and the bill for XX/XX/XXXX is {$330.00} and is due on XX/XX/XXXX. I feel that AES is taking advantage of the fact that I am underemployed and that I must rely on them for information. I feel that I am being coerced into becoming delinquent on my loans, which is not in my best interest. Since XXXX, AES has serviced my private student loans. Since XXXX I have not made a late payment and have paid the full amount required. Under subpart B of the Fair Debt Collection Practices Act ( FDCPA ) and section 1031 ( d ) of the Dodd-Frank Act, I believe that AES is being deceptive in its communications with me.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I took out two private student loan with American Education Services during XXXX and XXXX to cover tuition and expenses while attending school. The total was about XXXX. The first year I was giving reasonable repayment options but now interest rate has shot up to over 11 %. XXXX or XXXX of XXXX I reached out about lower repayment options I was told I used my time up for lower payments. I feel American Education Services are getting over on college students who are inexperienced and desperate for funds. I have paid back XXXX and have been paying since XX/XX/XXXX. That is about 13 years and I'm still paying with no relief in sight. I can actually pay off at XXXX vehicle off in 7 years but not a student loan. It is a shame I have to borrow money to make payment or choose between gas or food.
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A