AES/PHEAA Student Loan Complaint

AES/PHEAA Student loan department,

Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled Florida

In roughly - I was having problems making the increased payment amount of my private student loan serviced by American Education Services. I contacted them on multiple occassions to request assistance to modify my loan so that I could manage the payment. I was repeatedly told I had exhausted all options. So even though I was making payments, I was not making the " increased payment '' and would get charged late fees. At this point I accrued about $800.00 is late charges even though I was consistent on my payments. I contacted a debt counseling services in late -. They have been making payments to American Education Services since -/-/-. The payment is paid automatically at the same time each month. I have personally managed to pay off the late charges and bring my account current. I made that payment in - of this year. So I was feeling confident, and getting things handled.


received. So AGAIN I contact the debt consolidation company and they provide me the the check number and the date it cleared the American Education Services bank. So American Education Services is infact recieveing my payments and not applying them correctly. Two months in a row. Today -/-/-, after I have already emailed them with the check information AND a list showing ALL payments made since - - they now want front and back copies of the check they say they do not have- but that cleared thier bank account. They have been getting these payments from the same source since - and now all of the sudden, since I managed to pay off the late fees they say I accrued, I am yet late AGAIN?? How many months during the last almost 2 years have they been " misplacing '' my payments and charging me these late fees, and then telling me they can not help me or offer me any alternatives even when I have been consistent on my payments? I sense very unethical business practices. Nothing new with the payments has occured, but now I am late - yet again - at least until they " find '' my payment, that they already have. I would like an investigation into this matter and any assitance you can provide. Perhaps being able to change lenders? Are there any new reform acts for students loans that I qualify for? I am TRYING to pay my debts. I am not asking that they be wiped out, but I think I am the victim of very unfair business practices.