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 Kansas

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 collection agency - and - stating they are working for - - -. I contact AES back and explained my situation explained that I had even offered to make the full past due amount on the day I contact them -/-/- or -/-/-, because -/-/- was a Saturday. Explained I had made a payment on -/-/16 less then 30 days prior to receiving the statement for the $360.00. Requested that AES-- - allow me to make the full past due payment and stop the defaulting of the loan. I was even


to request an immediate payment which I would have worked with them to make specially since I was already attempting to make the full past due payment. There was no mail sent to me between - - - - - to notify me that default was about to happen, nor did the statement sent to me on - -. I then contacted AES again on -/-/2016 and -/-/2016, and request that they contact - - -, and allow me to make the past due payment that I attempted to do by sending a check they never recieved prior to -/-/-, I also requested -- -/-/-, that they allow me to make an automatic payment to them over the phone as I spoke to them for the full past due to pull the account and stop the defaulting. When I spoke to them on the -/-/- or -/-/- the Rep proceeded to say the defaulting had been filed but never stated that it had been completed. As well as the Rep from - - - on the first phone call stated they would have to call me back because the account had n't fully transferred. Which leads me to believe that if the Rep from AES-- would have accepted the payment for the full past due over the phone my account could have been removed from the default, I would be able to resume month payments. On -/-/16 the Rep from AES further confirmed my believe by stating that although they had n't received the check that I know believe was lost in the mail, that if there was a payment on file for the full past due they ( AES ) could have communicated that with - - -. After speaking with the Rep at - - - they are stating that the only payment option I have is $360.00 amount for 36 months or settle for -- % of balance up front. There is absolutely no way that I can afford that amount. I am a single mother with absolutely no assistance or financial support for my child but myself. I have requested both AES provide me with a number for - - - directly so that I can work this out and make a payment for the full past due amount to them and continue regular month installments. AES says they only have a number to - - -. Lastly, I had a co-signer on the loan ( AES/- ) made no attempt to contact the cosigner, which I believe violates the point of a co-signer, they would have contacted me to make sure we took care of this immediately. Yet - - - stated they would be contacting the cosigner. I believe Aes/- violated the Co-signers right as well because they never notified them before default so a resolution could be set.