AES/PHEAA consumers have reported over 1,731 official complaints. Out of the 1,731 consumer complaints against AES/PHEAA, 21% were disputed by the consumer (i.e. the consumer was not happy with how AES/PHEAA responded to their complaint) and 100% were processed in a timely manner. 2% of consumer complaints against AES/PHEAA resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 18% resulted in non-monetary compensation.
| Issue | Complaints | Disputed |
|---|---|---|
| Dealing with my lender or servicer | 540 | 24% |
| Repaying your loan | 418 | 20% |
| Can't repay my loan | 382 | 18% |
| Problems when you are unable to pay | 210 | 20% |
| Communication tactics | 44 | 20% |
| Disclosure verification of debt | 34 | 44% |
| Cont'd attempts collect debt not owed | 27 | 7% |
| Getting a loan | 24 | 4% |
| False statements or representation | 15 | 47% |
| Improper contact or sharing of info | 13 | 15% |
| Taking/threatening an illegal action | 5 | 0% |
| Account opening, closing, or management | 2 | 0% |
| Managing the loan or lease | 1 | 0% |
| Fraud or scam | 1 | 0% |
| Deposits and withdrawals | 1 | 0% |
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Stop CallsAES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled December 16, 2016 - The payment website for servicer, American Education Services " AES '', is confusing and when you pay it is not clear how your payment is being allocated to the various loans that they have under their servicing scope. This has majorly impacted my credit reporting as I have struggled to keep up and often would pay intending to have the payment applied to the appropriate loan to avoid adverse credit reporting. Additionally, I just received error notices on the handling of the account from AES and have uploaded copies for your reference. Lastly, I received conflicting information regarding worko... |
AES/PHEAA Student loan dealing with my lender or servicer don't agree with fees charged November 17, 2016 - I have a private student loan with AES. The original lender was - - -. The original loan amount was for $16000.00. My balance with a few deferments here and there is now $24000.00! I make my payments every month and they keep increasing my balance. They harass me and tell me that I am late on a payment when I am not. They are reporting a double balance on my dad 's credit as the cosigner. The way they are amortizing the interest has to be criminal. I was attending - - - - college at the time I took out the loan.... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled November 16, 2016 - I took a student loan through American Education Services while I was going to college at - -/-/--/-/-. The original loan balance was $11000.00. I started paying the loan in -/-/- over 8 years ago and my current balance is still $9200.00. I have not missed a payment in 8 years. I receive notices several times a year that my monthly payment amount is changing though there is never an explanation as to why. I have called to request overpaying the principal each month in order to pay down the loan faster and that was denied. They said I would have to mail a separate check e... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled November 16, 2016 - By - -, 2016, I wanted to pay my student loan in full. I went on the loan company 's website and logged into my account to establish my payoff amount and find a date when I could get a cashier 's check to mail to the loan company. I called the company and talked with a customer service representative. I discussed with the representative about sending the check overnight an the rep. said I could send the check through the mail and the company would date the payoff to the postmarked date. She gave me an address for where paid-in-full payments are received. It was American Education Service... |
AES/PHEAA Student loan dealing with my lender or servicer don't agree with fees charged November 7, 2016 - I believe that the 8 % interest rate on my consolidation loan rate is fraudulent. I have tried multiple times, without success, to find out from AES, the consolidation loan servicer, how this rate was calculated. According to the loan document small print : " The maximum interest rate on this loan will be equal to the weighted average of the interest rates on the loans consolidated ... '' The rates on the original loans range from 3.45 % -3.6 %. Logically, the rate on my consolidation loan should fall somewhere in that range as well, yet I have been paying 8 % since 1997. I want my loan to be ... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled November 5, 2016 - I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 30 days past due as of - -, - -, - - I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.... |
AES/PHEAA Student loan dealing with my lender or servicer received bad information about my loan November 4, 2016 - I contacted American Education Services ( AES ) in reference to three delinquent payments that have been reporting as a negative item on my credit for the last three and a half years. I have submitted verification requests for this information previously to no avail. I 've also submitted " good faith '' letters asking that this information be removed because ever since the loan reached maturity I 've made full on-time payments. AES never removed the information so I decided to try to get to the bottom of it today. After reviewing my payment history the floor supervisor I spoke to said that eac... |
AES/PHEAA Student loan dealing with my lender or servicer received bad information about my loan November 4, 2016 - I received - statements for the same student loan dated 6 days apart claiming the payment on the first was past due. The first statement was dated -/-/2016 and the second was -/-/2016. When calling they had difficultly explaining why this is happening and the amount on the first statement should not show as past due. I believe this is known as short-cycling and is not permitted.... |
AES/PHEAA Student loan dealing with my lender or servicer received bad information about my loan November 1, 2016 - I made a payment to payoff - loan from FED Loan Servicing. The date the loan payment was disbursed -/-/2013. On - when I made the payment the balance was $810.00. When I logged in on - -, I have a balance of $14.00. The operator gave me some explanation that did not make sense. I want a check refunded to me in the amount of $14.00 that I made again today.... |
AES/PHEAA Student loan dealing with my lender or servicer received bad information about my loan November 1, 2016 - On -/-/- I tried to log into - and make a payment on my student loans. I was not allowed to login, the website showed a message that my social security and birthdays supposedly did n't match up. I have been using this site, with that exact log in for 9 years and I can prove that the payments were made from my account. The loan was taken out -/-/-. I spoke with a representative named - ( employee ID number - ). She obstructed me from making a payment then told me that they needed a copy of my birth certificate and driver 's license faxed over to them. They have had this infor... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled October 31, 2016 - I am currently in - so my loans are in repayment. I have both federal and private loans I 'm trying to get ahead and have been putting any extra money towards my loans. AES manages my - private loans. While examining their payment history tab I 've discovered that all my payments have been going towards interest. As you know interest payments are useless. It 's principle payments that help get the balance down on loans and save you interest. In the payment screen there is no option to direct your payment whether it be interest, principle, or mix. The only option is to direct which loan y... |
AES/PHEAA Student loan dealing with my lender or servicer received bad information about my loan October 25, 2016 - I have a small private student loan with American Education Services with -. My loan is in good standing and I make regular payments well above the minimum and have an auto-debit feature for increased payments. On - -, 2016 I entered -. On - -, 2016, AES processed an automatic enrollment in a deferment without my knowledge and against my best interest since I was at least a - student. I immediately protested on the very next day and asked for the deferment to be removed since I intended to make payments regardless of my status as a student as is my right. An agent of ... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled July 7, 2016 - My loan servicer AES Success, has processed double payments without my knowledge. I have contacted their customer service only to be led in circles even when asking for a supervisor, a rep literally told me " No one is available '' when I asked for her supervisor. When I inquired further she said " They are all in meetings '' I was willing to wait or leave a voicemail on their phone however the rep told me I could n't wait because " I ca n't tell you how long they will be in meetings and you can not leave a voicemail on their phone. '' I then asked for their extension so I could call myself an... |
AES/PHEAA Student loan dealing with my lender or servicer having problems with customer service July 6, 2016 - I was talked into taking out a private student loan through - - by a parent in -/-/- instead of a federal loan. This parent cosigned for the loan. I ended up not graduating due to being placed in the wrong degree and getting frustrated trying to get in the right degree. This happened in -/-/-. 6 months later my loan came calling asking for their money. While I was living at home with my parent this was doable. Since then I have gotten married and have - children. I bring - around - a month. My expenses run right at that a month even with government aid. My wife has bee... |
AES/PHEAA Student loan dealing with my lender or servicer need information about my balance/terms July 6, 2016 - I am the cosigner of my daughter 's loan. I realized in - she was not making all payments on time, and at that time I contacted The National Collegiate Trust, and told them as the cosigner, I needed to know when payments were not made or were late. I asked for notification to be sent to me. To date I have NEVER heard from them. How can I make something right when I do n't know there was an problem? In -, my now ex-husband and I filed a chapter - and I do realize student loans are not covered, and they were not to contact me either while in bankruptcy. I just assumed my daughter wpil... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options July 5, 2016 - I am currently on a long term modification with AES that is the servicer of the loan that was taken out by -/NCT. I am currently paying all my payments on time and in full and CAN MAKE THESE PAYMENTS. I called AES today because the payments are increasing. I told them these payments are to high and I can not make them and they told me they can not do anything to help me. I do n't know why they will not help there clients! I am willing to work with them and I advised them they will be going to default becasue I can not make more payments. They advised me I can not contact - becasue AES ha... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options July 2, 2016 - I am a - Veteran, -. -. All my federal loans were forgiven with no problems, but this private loan through AES/NCT has been a nightmare that wo n't end! I have talked to someone many of their representatives I have lost count ... everyone of them all agree that what their company is doing to me is wrong! But I can never get in contact with anyone that can make any decisions, my original loan was for $ - and have paid on it for about 10years and I still owe around $ -+ on it. And I can no longer afford to pay for it, it is either food for my - boys or this loan? So it 's not a... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled July 2, 2016 - I 've received a bill from American Education Services that states to date I 've paid on my private loan $43.00, - yet still owe - on a loan I pay $460.00 per month on for the past 10 years. If this were a federal loan I 'd have had it paid off by now however because it 's owned by American Education Services they can charge both interest rates and payments and thus I 'll be in debt for the next 40 years. - I have paid my debt on time every month however, if there has been a delay in their processing they have been threatening via email, and phone to myself and my mother and have ... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled June 30, 2016 - American Education Services ( AES ) is reporting inaccurate derogatory information on my credit reports. AES is reporting that I was late on my student loan from -/-/2013 to -/-/2013. This is inaccurate because my loan was in a forbearance period during that time. I respectfully request that AES remove this inaccurate derogatory information from my credit reports.... |
AES/PHEAA Student loan dealing with my lender or servicer received bad information about my loan June 29, 2016 - My sister tricked me into co-signing a student loan. She said it would be forgiven by the federal government once she graduated because she was a single mother. I have a - - and can not read well and can not comprehend what I read. My - was a modified one since I could not earn a regular -. ( This is being typed for me by a friend who I have explained my situation to. ) Since I work, I am being pursued for the loan. They loaned her $30000.00 and want over $100000.00.... |
AES/PHEAA Student loan dealing with my lender or servicer don't agree with fees charged June 29, 2016 - AES had my loan deferred when they were aware that I was no longer attending classes. In doing this they increased the amount of accrued interest substantially. My payments are now unbearably high due to interest charges accrued.... |
AES/PHEAA Student loan dealing with my lender or servicer received bad information about my loan June 10, 2016 - I filed a complaint against this company on -/-/2016 regarding a forbearance request. I received a letter stating I would hear from them again in 60 days. I continued to make partial payments, all that I could afford, on my account and was told by customer service this would be enough to keep them from reporting me as delinquent on my credit. I called them today and they denied the existence of my request, and had already reported my credit as delinquent.... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments June 8, 2016 - I have not been receiving notices. I have sent in paperwork fromthe doctors because im - -. Im on -. When i was getting voice mails I was in contact with any agency that contacted me and each time without fail It was we have no record of getting a doctors note concerning you. After a bit of searching with a few respresentatives that took the time to look deep into wherever they looked one was found. my account was put in deferment. I kept getting calls and I kept calling and explaining. The next set of calls I have been receiving are for student loan forgiveness. then I call them back... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options June 7, 2016 - I was in school for a long time. I received an - degree and wanted to further my education. I went on and received a - degree and then went on to receive my - which again had another - within the program. I owe - in debt - for federal loans and - private loans. I should have not finished college. One of my private loans I had to make payments while I was in school. During this time my husband lost his job. So I was in a program which then I had to take private loans to manage everything. My last semester I was considered part time and My loans all became due. I had to take... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled June 6, 2016 - I have - private loans where I co signed for my daughter with American Education Services. They continue to misapply our payments as well as report is late to credit bureau. To make matters worst every time we call to resolve the issue the give me a difference payment amount that needs to paid as well as a different amount of days that I 'm past due. For example I called on Thursday - -, 2016. I was told that if I pay $2200.00. I 'll be current. I called back Friday, - -, 2016 to confirm amount and was informed that I was told that I 'm 109 days past due and I need - to be ... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled June 5, 2016 - I am in the process of paying off my student loans. I went to setup an auto deduction for loan with AESSuccess and I was prompted that I could not setup an auto debit of more than $1000.00 more than my minimum monthly payment. I wanted to pay an extra - so I could pay it off by -/-/-. I find not being able to pay as much as I want over the monthly minimum very disturbing as now I have to make two payments and they get to accrue more interest.... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments June 3, 2016 - I requested payment relief, and it was granted to me. Terms were that I would pay $50.00 per month for the next 3 months, and then resume regular monthly payments. I have paid the - each month, but I have been recieving letters, multiple phone calls daily from a collection agency, and it has been reported on my credit report that I am past due on my payments. This is the second time this company has done this.... |
AES/PHEAA Student loan dealing with my lender or servicer having problems with customer service May 27, 2016 - This is the third attempt to rectify an erroneous report to the credit bureaus by your company. As a result, I have filed a complaint at the CFPB. My file is found in your archives/history. - AES/- representatives ID # -, have confirmed ( verbally ) that your records reflect a full refund/payoff, however, AES/- continues to erroneously report this account as a Charge-Off to credit bureaus and damaging my credit score. AES has verified that : 1. The school issued a full refund within - days and your system reflects account paid in full, 2. I never registered nor attended the e... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments May 26, 2016 - I have several student loans owned by NCT and due to my worsening - - I have been unable to work for some time. I am receiving Social Security -, have been approved for a Federal - discharge, and approved by - for a full discharge of the student loans that they held. I asked NCT for a compassionate review of my private loans ( totaling about $41000.00 ) 2 months ago and they have n't responded.... |
AES/PHEAA Student loan dealing with my lender or servicer having problems with customer service May 25, 2016 - AES has had a consistent habit of withholding information, giving vague or elusive responses and going so far as hanging up during phone calls after receiving a very sharp attitude. I have given ample evidence of my financial hardship and many of the incentive programs were not related to me, or at best were vaguely given, with a very harsh/dissuasive post-note. I receive conflicting information from customer service representatives, the methods of communication are not consistent and there is no quality representative I can speak to concerning the attitudes of the customer service reps. Overa... |
AES/PHEAA Student loan dealing with my lender or servicer having problems with customer service May 25, 2016 - For multiple months my cosigner and I have been trying to get him removed from my loan as a cosigner! We have been told multiple times that I needed to make 48 pmts to be eligible! On - -, 2016 I made my 48th pmt but received a letter today stating that I had been denied for cosigner release because I had not made 48 pmts because one of those pmts was late! I found out that the late pmt was made when I switched my direct debit account even though it had been approved on the - and my pmt was due the -, they did not debit the - out and I was late by 10 days because I was unaware! ... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled May 23, 2016 - I originally borrowed a total of $7500.00 ( $2500.00 on -/-/- and $5000.00 on -/-/- ). These loans were serviced through AES ( American Education Services ). As of -/-/- I have paid a total of $6600.00 and the loan balance is $6000.00.... |
AES/PHEAA Student loan dealing with my lender or servicer having problems with customer service May 19, 2016 - I currently have - private loans owned by NCT and serviced through AES. I proudly served in the - - and have been since deemed - - and I would like to apply for a - discharge of these - private loans. I 've contacted AES and they could not assist, they forwarded to NCT who offered no assistance. Who do I contact?... |
AES/PHEAA Student loan dealing with my lender or servicer having problems with customer service May 18, 2016 - I filed a Identity Theft claim with this company American Education Services when I found out that someone had forged my signature on a student loan. They replied that the owner of the loan was - - - and that they had denied my claim. When I sent all the necessary paperwork to - - - . They in turn replied that they do not make the decision on the IDentity Theft Claim. That the creditor Amercian Education Services are the ones who denied the claim. When I sent the information back to AES they in turn say its -. Attached are all documents sent to both parties and their repli... |
AES/PHEAA Student loan dealing with my lender or servicer having problems with customer service May 18, 2016 - I filed a Identity Theft claim with this company American Education Services when I found out that someone had forged my signature on a student loan. They replied that the owner of the loan was - - - and that they had denied my claim. When I sent all the necessary paperwork to - - - - They in turn replied that they do not make the decision on the IDentity Theft Claim. That the creditor - - - are the ones who denied the claim. When I sent the information back to AES they in turn say its - - - -. Attached are all documents sent to both parties and their ... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled May 18, 2016 - American Education Services refused to defer my loans while attending - school. This led to them turning - of - loans over to a collections agency resulting in a default status. I have had to continue making payments on the -, which are not defaulted, while attending school.... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments May 18, 2016 - Student loans serviced by AES. Was told by - that loan could be deferred while in school, indefinitely : The loans were disbursed in between -/-/- and -/-/-, place into deferment while in school, and knocked out of school deferment while still enrolled in school in -/-/-. Loans Placed into forbearance for one year, as I was still in school and unemployed. Credit report thus far is perfect with these loans. Loans knocked out of forbearance deferment early, ( still unemployed, in school part-time ) and I was told to place loans into Unemployment deferral for up to a year. I fax... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments May 17, 2016 - These people are loan sharks! I am a -. My husband was the only - in my family working while I attended college. He left as soon as I finished. I have - daughters. I can not afford to make my loan payments and the degree I have is n't helping me. The only job I can get is to -, so I am returning to school to get a -. AES is ruining my life. They want me to pay them almost $600.00 a month with no job. I borrow money to pay them but I need to have my payments lowered while I am in college. They refuse to do that. I do n't know what to do. I feel as if I am suffocating. I do n't ... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled May 10, 2016 - I have made my student loan payments on time for the full amount since I got out of school. I have several different student loans based on the years in school and I have - loans being serviced by AES ( American Education Services ). The loan issue that I am complaining about is being serviced by AES. On -/-/15 I went on their website and submitted an ACH payment change request. The notice that was on the change request says the following " Your existing Direct Debit agreement will be stopped. By submitting a new agreement, we will not debit your monthly installment until the new agre... |
AES/PHEAA Student loan dealing with my lender or servicer received bad information about my loan May 9, 2016 - -/-/-, my - private student loans, which are serviced by AES came out of their affordable payment plan that they were once in. At this same time, my husband also fell very ill and we did n't know what was wrong with him. By - -, we had met our $6600.00 deductible with his medical bills, and was still trying to work out some sort of affordable payment arrangement with AES, but they refused to even negotiate a payment even close to what we once were paying. By - -, we had met our $6600.00 medical insurance deductible again! This time we had also received a medical diagnos... |
AES/PHEAA Student loan dealing with my lender or servicer don't agree with fees charged May 8, 2016 - About - years ago I attended a trade school which was called - at the time ( very loosely affiliated with - University, a very reputable university located in -, MA ). This - changed names until it closed permanently and suddenly under the name - - - in - 2013. The amount of the total fees were not disclosed to me but the only way I was told I could pay for it was a private loan from - -. I had to drop out of the program near the completion date due to the fact that - - refused to loan me any more money ( which was $45000.00 when the loans were first ta... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled May 6, 2016 - On - - 2016, I recieved a statement from AES whom is servicing my student loan from - - -, the statement stated that total balance was $360.00. Past Due of $280.00 current due of $80.00. Balance of the loan $12000.00. On -/-/2016 they received a payment from me for $120.00, I then wrote a check to make the full payment due of $360.00 prior to the - - 2016 due date. On - - 2016, the money had not been removed from my account. I then contacted AES -/-/-. They stated to me the loan had defaulted, to call -, when I called this number it was a co... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments May 2, 2016 - I have been given little to no options on repaying my loans. I can not afford my current payment and there is no help! ... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled April 30, 2016 - I had - separate private, student plus loans, through - - -. - loans are current and never carried a missed or late payment status. - loan carrier a $ - balance at 2.5 % AND the other loan a $ - balance at 7.3 %. I saved the money to pay off the 7.3 % Loan. The payment was made with sufficient documentation to direct payment to the correct outstanding balance and credit the correct loan for repayment. The payment was $ - directed to the 7.3 % loan. Instead the payment was redirected to the lower interest rate loan and the over payment only was credited to the higher ... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled April 28, 2016 - upon investigating the issue with - -, I discovered that the loan was brought by FED loan servicing around that time frame and was advised by the representative not to make a payment because they were buying the loan at that time. well now FED loans is giving me a hard time about getting this information which could clear this issue on my credit report. I need them to get me that information. ... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options April 27, 2016 - I have a student loan with AES i have been paying on it since 2008. I have never missed a payment. I have never been late on a payment. even though I have never missed a payment my balance is still more than what I took my loan out for. When I have contacted AES on multiple occasions to ask for ways to get the balance down I have been told there is nothing they can do because my loan is paid up to date and not missing payments. I asked for a reduced interest rate to try to pay down the debt I was laughed at on the phone, and was told that the only way they will work with me is if i stop making... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options April 27, 2016 - I received loans in - to help with college. I have complained on the site before and and did not have any luck a few years ago, so I figured I would try again. I took loans out through American Education Services who is also National Collegiate Trust and was written in checks by -. I was interviewed over the phone and sent some forms signed my name and my money came. I took out loans 3 times due to misinformation at the college stating I would n't lose financial aid but I did. Otherwise I would have never taken out loans. I was sent to collections in -/-/- and have been there since.... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled April 27, 2016 - PHEAA had my wages garnished from my pay leaving me with less than $ -/month to provide for myself and my child. I made several attempts to talk to their loan default department and stated that I fell below the Federal - and was making it impossible for me to care for my child. They refused to help me. My Federal Income Tax return was offset by over $4000.00 on top of the wage garnishment. ... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options April 26, 2016 - Called them several times to work out a reasonable payment option. They say that they ca n't do nothing to help me out. I am having finical difficulty at the moment. I was up to date on my loans for a good year, but now I am in a slump and they are not willing to help me out so we can resolve this issue. ... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments April 26, 2016 - I recently contacted American Education Services ( AES ) on - -, -. I spoke with customer service rep, -, with employee ID # -. My call was in reference to - loans that have now come into repayment status, and were formerly owned by National Collegiate Trust, but are now managed by AES. - other loan, formerly owned by - - -, and now managed by AES is current and the payment is manageable. I 'm currently unemployed, diligently seeking employment but have not yet received any job offers. I was last employed full-time in -. - was highly professional and dilig... |
AES/PHEAA Student loan getting a loan can't qualify for a loan April 26, 2016 - FEDLOAN servicing is refusing to respond after 3 months of waiting ... and continues to report and refuses to do anything but " SERVICE ME " when asked to simply provide validation they have responded with silence for 3 months but will not remove the item from report. I asked them to prove who they are, and they have not STOPPED sending me notices about how much I owe, and here I thought that the FDCPA and the FCRA say stop all collection until the dispute is finished??? HELP!!!!!!!!!!! I have been forced to place a fraud alert on my report and have contacted FTC ... I have recording of the tr... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled April 25, 2016 - I was awarded the - Loan repayment grant. I used a lot of it to pay ahead on my Private Loan to AES servicing. I wanted to be paid ahead 10-15 years on the private because my federal loans will be forgiven after 10 years. Well they now transferred my loan to -, and now I lost all of that. I now owe a payment each month I was not anticipating paying. ... |
AES/PHEAA Student loan dealing with my lender or servicer don't agree with fees charged April 24, 2016 - My Father co-signed for a Student Loan in -/-/-. The loan was via - back, but was serviced through - - ( - ). The exact loan amount borrowed was $3300.00. The terms and conditions of this loan was 120 payments at $51.00, so that the amount paid back for the borrowed funds was $6100.00 over the course of 10 years per the promisary note ( see attached ). - - never had the correct borrowed loan amount from the start. - - stated that the original loan amount was $6600.00, which is completely false via the attached promisary note. - - basically doubled the... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled April 23, 2016 - I had a loan from - Student Loans which I was making monthly payments via direct deposit. I received notification that my loan would be serviced by American Education Services starting in - -. American Education Services would continue to withdraw money via direct deposit until - -, when I would have to set up a direct deposit with AES directly. AES continued to withdrawal money from my account until - -, without any noticed or notification they stopped withdrawing money from my account. They also stopped contacting me by mail. I received no communication from AES via mail... |
AES/PHEAA Student loan dealing with my lender or servicer don't agree with fees charged April 21, 2016 - My name is - -, I would like to submit a complaint against the loaner American Education Services. I have submitted an application to discharge my loan due to False Certification ( Ability to Benefit ). I come to find out that the school I got a - was n't legit and did not meet the requirements for Regulation or Accreditation. I took an adult program to obtain a - - - from home. AES mailed a " Notice of Eligibility stating I was ineligible for the loan discharge because further information is required to complete the process. They have requested that I must provide proof that... |
AES/PHEAA Student loan dealing with my lender or servicer received bad information about my loan April 19, 2016 - My loan ( which had been refinanced/consolidated and was in good standing ) was servicing transferred American Education Services ( AES ) from -. Upon servicing transfer, AES changed the terms of the loan, including interest rate, amount due, term, etc. According to their information, this loan is now in Forbearance and they are charging me interest only payments rather than applying the amount to principal that was specified in the previous loan agreement. I have requested multiple times for them to research the history of the loan and correct their mistake, but they have chosen to do noth... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments April 18, 2016 - After paying $17000.00 of a $30000.00 student loan debt my life fell into extreme financial hardship. When I called the loan company, prior to default, explained the situation, then asked for temporary hardship deferment or any other programs that would keep me out of arrears I was told my only options were to pay or default. With no other option, I went into default. After filing bankruptcy the student loan could not be dismissed as ALL OTHER LOANS CAN. I was then suited for $40000.00 on a $30000.00 debt in which I had already paid $17000.00. I filed a complaint with the Consumer Fi... |
AES/PHEAA Student loan dealing with my lender or servicer trouble with how payments are handled April 16, 2016 - I have been making payments on a private loan serviced by PHEA ( AES ) and I have been making them faithfully without a missed month in years. However I have been paying MORE on interest than anything, AES is gouging it 's borrowers and I 'm not able to negotiate through PHEA or - who owns - of my loans. This is ridiculous. ... |
AES/PHEAA Student loan dealing with my lender or servicer don't agree with fees charged April 14, 2016 - First of all, I am the co-signer of a private student loan that my son applied for in 2008. My son began having financial difficulties and I began making payments on the loan periodically and recently paid over $4000.00 to bring the balance down. My son recently died. When I contacted the company to request options for decreasing the interest on this loan, they put me in " forbearance '' status. I did not request this and I did not fill out any form to ask for forbearance. I would like to request a co-signer release given how much money I have paid out on this very old loan. On their website... |
AES/PHEAA Student loan dealing with my lender or servicer need information about my balance/terms April 14, 2016 - First, I was given a private loan for $21000.00 that immediately started accruing interest, even though I was n't going to start making payments on it for at least 4 years. Why on earth is that legal??? Second, the bank that issued that loan has since sold it off to American Education Services. I 've been paying this loan for almost 3 years, yet my balance is still higher than the amount I borrowed, AND the principal plus unpaid interest is $6300.00 less than my current balance. So what exactly do I owe besides principal and unpaid interest? Also, since AES has purchased my loan from my... |