Date Received: 2023-07-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Disputed all three bureaus in the last three months and creditors did not correct. Loan default and anything that has a negative impact that resulted from the default is not allowed to be reported for loans in fresh start program. XXXX XXXX now has the loan and has corrected their history. This loan was in default with this lender since 2016.this issue cost us 3 months of not being able to replace our dead car. I will be filing through her or small claims to be made wbole by fedloab and the bureau
Company Response:
State: OH
Zip: 44512
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I had my loans serviced through XXXX who then sold them to a different loan servicer. The history of my loan with fed loan has been lost. I was never contacted about this change or who my new servicer is. I contacting multiple services. I finally figured out where my loans are being serviced currently, XXXX. I have not received any response from the new servicer after I submitted my request for repayment on XX/XX/XXXX.
Company Response:
State: PA
Zip: 171XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was sent a letter of garnishment in XXXX from PHEAA ( XXXX XXXX XXXX Assistance XXXX ) i went on a repayment plan of {$260.00} per month and then changed it to {$190.00} per month in XXXX due to financial issues. when the XXXX act went into effect i forego my payments while the student loan forgiveness was being battled out, the repayment was not supposed to restart until XXXX XXXX XXXX they have since continually tried to take monies out of my account since XX/XX/XXXX despite being informed that per the XXXX XXXX that these were not supposed to restart. Then i was contacted by my agency department of defense that my loans are still showing as default despite my making payments since XXXX and the deferment per the CARES act. In addition when i checked my loans with PHEAA they are still showing the same original balance of $ XXXX despite my payments over the past years. This is fraudulent and no one is answering my questions or able to provide justification.
Company Response:
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I BORROWED A STUDENT LOAN {$21000.00} APPX. IN 2008 TOWARDS THE UNIVERSITY FEES. PROVIDED ME A ( XXXX. ) FALSE CERTIFICATION AND SCHOOL WAS NOT ACCREDITED IN THE USA. I COULD NOT GET A JOB OR CONTINUE FURTHER EDUCATION ON THE BASIS OF THAT CERTIFICATION. UNIVERSITY : XXXX XXXX XXXX XXXX XXXX. LOAN SERVICER : AMERICAN EDUCATION SERVICES. YOU ARE REQUESTED TO HELP ME DISPUTE THIS LOAN.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: AES XXXX needs to supply a promissory note between myself and them from the dates they reported I took out a loan with them in 2006. If they do not have a promissory note for the account they claimed I opened and signed for with them I want it removed from my report.
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XXXX, I owed PHEAA {$4900.00} in unfulfilled servitude for tuition reimbursement. I signed a specific tuition contract indicating the terms and conditions of how it could be paid. I was told that I had to pay in full via check or money order, or PHEAA would force take my last paycheck and leave, and then contact my pension administration for the remaining balance to be pulled from my contributions. I was told that I could NOT set up a payment plan. I was forced to let PHEAA operate on their own terms. I was led to believe that the withdrawal from my retirement account was a one and done deal. I was led to believe it was only going to withdraw from my own contributions. I had a deferred comp plan set aside where I contributed more than I had to, but that side of my account was ignored, and my state pension targeted. PHEAA was ignorant in collecting this debt ( does not understand retirement rules ), which financially hurts me today. It would have worsened up to retirement age had I not discovered it now. Background : PHEAA wrote a letter XX/XX/XXXX to my pension administration asking for payment. It was denied at first for me being an active employee, and I had no idea that PHEAA wasnt paid immediately. Per conversation with my pension admin in XXXX XXXX, PHEAA was informed that they'd have to wait until I was no longer an active employee to get payment ( I had transferred to another state agency, so I was still considered an active state employee ). I was later recruited by the private sector in XX/XX/XXXX, and I left active state service; which is when I received autogenerated letters from my pension administration ; one of the letters indicated that a 20 % federal withholding tax was applied. This 20 % tax was a shock, as PHEAA never bothered to put it into the terms and conditions of the contract or tell me about it. The amount then came to {$6100.00}, that I had to report as earned income. I thought that was the end of it. It was not. In XX/XX/XXXX, I came back to the state w/ the first full time job I could get in order to fulfill a couple remaining years for XXXX and because I had a pension that would allow me to retire comfortably. I ended up at my pension admins sister agency, a retirement agency similar to my own admins agency. I learned that when people go to retire, theyll see a {$50000.00} debt and be shocked, thats because debt accrues interest. It triggered me to check on the PHEAA debt. In XX/XX/XXXX through conversation with my pension admin, I learned that the PHEAA debt became a loan, growing XXXX % annual interest every single year. Again, this came as a shock because it was not defined in the terms and conditions of the contract I signed with PHEAA, nor discussed in my exit interview. My pension admin told me I could do a Purchase of Service payment plan to start satisfying the debt now. They also told me that I could have done a payment plan back in XXXX through XX/XX/XXXX while I was an active state employee back then. This all came as a shock, because PHEAA told me I could not set up a payment plan. Whats baffling is that if PHEAA needed payment immediately in XX/XX/XXXX, then why were they so willing to wait to get paid until I was no longer an active employee? Why was I not sent communications while active? Why was I not told I could set up a payment plan back then? In disputing this debt with PHEAA, they deny any communications with XXXX regarding the retirement rules, that a withdrawal can not be made on an active state employee and that s/he absolutely can set up a payment plan while active ; and that the withdrawal becomes a loan that can only be paid off while an active employee, or upon refunding or retiring. PHEAA has done these types of withdrawals on other former employees as well ; so how is it that they dont know the retirement rules? The point is, PHEAA mislead me into thinking I could not set up a payment plan; led me to believe they were applying a simple withdrawal from my retirement account, but the truth is that they forced an ever-growing loan on my pension. The amount I'm now paying will be {$8100.00} over the course of a XXXX payment term. Currently, I am being ignored by PHEAA 's HR who will not answer any more of my questions and refuses to negotiate with me. They continue to tell me that the debt has been satisfied with them, and to take it up with my pension admin. However, PHEAA is who created the debt on my pension in the first place and denied me a payment plan. This matter could end up in a public hearing if not resolved now. I last spoke with an HR member from PHEAA, who told me she is no longer speaking to me about the matter. I was recently provided with the communications she made with my pension admin. She led my pension admin to believe that I just ran from a debt, which is not true. The truth is that she would not let me satisfy the debt any other way than to take from my pension.
Company Response:
State: PA
Zip: 17110
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I paid off my student loan because off high interest. Through my credit card company. Ive called several times to make sure it was put in computer as paid off. I got confirmation from my other bank of check sent. The just keep telling me same thing they dont see anything on their side side showing anything going on with the payoff. This was done on XX/XX/XXXX. They have no problem sending me stuff that payments due when its not its paid off. They have always tried to XXXX me around and not help me. The services is American Educational Services. There number is XXXX XXXX. I w add it this resolved and away from them
Company Response:
State: WI
Zip: 53546
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made my monthly payment on time and it was posted in my checking account on XX/XX/XXXX. They did not apply the payment to my loan and now are saying I am 10 days delinquent and are charging me late fees. I emailed the customer service department and explained this and they sent an email back saying I was delinquent and did not offer any assistance in fixing their error.
Company Response:
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have chosen Problem with Customer Service, however every single category of problem is involved in this. I am writing to report American Education Services ( AES ) for purposefully withholding information. Specifically they never made IDR available to me in XXXX when I exited college and had trouble repaying my loans. IDR was not discussed only standard and extended. Because I thought those were my only options and I could not afford the standard payment, I chose extended which then locked me out of the PSLF I would now rightly be on track to qualify for under all criteria but loan repayment plan. They offer me options now that are of extreme detriment to me and would basically amount to me having given them money for 12 years to no purpose and have told me the 8 years of PSLF eligible payments would not count. Additionally, at the time of taking the loans they service I was told it was government money because I did not have a cosigner with good enough credit or income to secure private loans. They have now begun calling them " commercially held '' which is absolutely not what was told to me prior to signing the original promissory. Further, AES has taken XXXX proactive steps to tell me about alternate loan options, like consolidation, etc. That would be beneficial to me as a consumer. They claim " oh we have information on our website '' but the only emails that are sent are the billing emails which drop you on a login page and then redirect you to the payment page bypassing all information. I also pointed out to them the absurdity of this ... what is the poinXXXX in having talked to a professional about it if they were just going to say " well you have to research it yourself ''. They have also denied multiple requests over 12 years for amortization sheets saying that they " can't do it because the number of days in a billing period fluctuates ''. I have called XXXX on this to them because it's extremely basic math involving multiplication and addition ; in other words, they can do it, they purposefully choose not to so as to obscure the ridiculous nature of their daily compounding of interest. They have also all but admitted to two short periods of theft or misallocation of payment funds. I made payments during a period of educational deferment ( 2 2-month periods in XXXX ). I was unaware I was in deferment during these periods, yet they took the paymenr money and charged me interest on subsidized loans. I did not know this happened until they basically drew my attention to it in an email last Friday, XX/XX/XXXX. The theft occurred in XXXX and they never notified me of it, nor credited me and didn't even purposefully draw my attention to it. They made me aware of it only accidentally. I have tried working with them but after ripping apart their last email last Friday XX/XX/XXXX in a point by point counter email, they have now decided to completely ignore me for the last 7 days. I have informed them over and over again that I am angry and that not assisting me will have repercussions. I have taken the first steps today to report them to the DoEd OIG and now you. I am very angry about this whole thing and they are being unhelpful and now just straight up are ignoring me hoping I will just go away. I have informed them that I will no longer pay my loans and they have threatened me with collections and told me that they will be calling me, emailing me, etc. To notify me of missing payments. In other words, they fully acknowledge the validity of persistent multi-vector communication on important matters... but only when they are the ones who benefit from it ; not when it is the borrower who stands to benefit.
Company Response:
State: PA
Zip: 19122
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Hello, I am filing this complaint against National Collegiate Trust and their services AES. According to the servicer I am currently past due in the amount of $ XXXX with no payment options, deferred ent or forebearance. Additionally the amount that I am told is owed is completely different from what I originally borrowed. Ive requested paperwork multiple times to validate these loans and exactly what I owe and I havent received anything. I do believe that some of these amounts are incorrect and possibly does not belong to me. Additionally, it is impacting my credit tremendously and Im being forced to pay a huge amount past due in addition to a $ XXXX payment per month or be forced into Default. The agents are rude, they dont want to answer any questions. And lastly, I dont even believe that the school I attended is an accredited college anymore as there have been multiple lawsuits filed and every time I try to present my degree I have issues. I have advised AES of this matter and theyre saying thats not their problem and I have to pay the loans! Please assist me in this matter!
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A