AES/PHEAA Student Loan Complaint

AES/PHEAA Student loan department,

Non-federal student loan Can't repay my loan Can't temporarily postpone payments Massachusetts

American Education Services defaulted my - private school loan after speaking to several different representatives about a forbearance. The process was to file a forbearance letter, - from the previous year, and self certifying letter insisting that I was actively searching for a job. Since, all the job agencies were not within driving distance. A self certifying letter was viable. I provided all - several times. EVERY SINGLE TIME a representative said they left a note in the system on the account. That the loan would not be defaulted while the forbearance was being processed. But every single time getting a denial letter because papers were not getting processed on time or a miscommunication by AES. My last attempt being a few weeks ago, while my delinquency continued to increase due to the long drawn out process. Over three months later, the process still did not conclude with a forbearance issued. The last representative ( - ) I spoke to in early - said they received every single form, but it would take 7-10 days to process. Also, that she would leave a note saying there would be no default. On - -, they defaulted the loan anyways because they


would be filing a complaint with the bureau of consumer financial protection. The supervisor looked back into the account for notes. She said there NOT A SINGLE NOTE was posted to my account about delaying the default and that all the representatives gave me wrong information. Instead of finding a solution to the problem ; she gave me nothing. Told me she could n't do nothing and that she will email the other supervisor about employee misconduct. That 's it while completely ignoring the fact that they had defaulted my loan. American Education Services is by far the worst loan servicing system that I have dealt with. The mistrust, misinformation and improper tactics they use did not help me in my time of need. Ruining my credit as a kicker is even worst with no possible solution provided.