Date Received: 2020-04-04
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: AES/PHEAA is constantly claiming that I have not reached out to them to resolve the delinquency on my account when I have sent multiple emails over the course of the past few weeks to let them know when the full amount past due would be made. I have instructed them that a payment is not only scheduled for XX/XX/2020, but that I have made multiple statements in multiple emails claiming this. PHEAA has also recently sent a threatening letter to which I actually do feel threatened, and I'm compelled to file a Civil Complaint against AES/PHEAA for unjust treatment and harassment. As of XX/XX/2020, I received this in my email ( and this is not the only one ). First off, they are not making any attempt at helping to resolve the delinquent account, so right off the bat that is a falsity. When borrowers or consumers make multiple attempts themselves to let the creditor/lender know when a payment will be made, the creditor/lender is required to oblige by that statement and date. These emails will result in proceeding with a Civil Complaint based on the threatening nature of these emails. It wouldn't be a problem if AES/PHEAA actually acknowledged the countless times I have expressed when the account will be made current. I will repeat, a payment is scheduled in the amount of {$550.00} to be taken out on XX/XX/2020. I'm here to let the Consumer Financial Protection Bureau know though that AES/PHEAA will allow that payment to sit for a whole 24 hours before even sending it to my bank, as has been the case in the past. I feel this is being done in their favor. This also creates a burden for many people, because when they allow that to sit there, it becomes suspect due to interest being allocated on the balance daily. So, in essence, if they're purposely extending the date when they send the payment, that is adding interest to the balance for those days that AES/PHEAA allowed the payment to sit Idle on their watch. I'm also going to see about reaching out to XXXX XXXX to address these problems. I feel there is a lot of corruption going on in the background to which borrowers are not aware. Email from AES on XX/XX/2020 at XXXX : Hello XXXX : We've made several attempts to help you resolve your delinquent account. However, your account is still past due. As a result, your account has been reported to the consumer reporting agencies. There are options to help you in this situation, but you need to take the first step to clear the delinquency and prevent any further collection activities! If you can make a payment, please do so today. The easiest and fastest way to make a payment is online. This isn't the first time AES/PHEAA has been caught with red hands. I'd like to remind everyone that multiple states are suing AES/PHEAA for these types of situations ( see below ). If I were anyone at AES/PHEAA, I'd be seeking out new employment, because this company is clearly hiding something. New York sues big U.S. student loan servicer for abusing borrowers XXXX XXXX XXXXXXXX Massachusetts can sue federal student loan servicer, judge rules XXXX XXXX XXXX I may end up joining one of these XXXX as well : XXXX XXXX XXXX
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have requested for my payments to the PSLF program to be calculated due to the amounts of qualifying payments not matching for Direct Subsidized Consolidation Loan ( DLSCNS ) and Direct Unsubsidized Consolidation Loan ( DLUCNS ). Currently FedLoan Servicing has calculated the qualifying payments DLSCNS XXXX and DLUCNS XXXX even though the payments have been made for both loans at the same time since I began repaying my student loans. I have requested twice for FedLoan Servicing to fix or at least give an explanation for the unmatched amounts with no success. I have worked for the XXXX XXXX XXXX and made payments since XXXX. My FedLoan Servicing Account Number : XXXX XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Due to the impact of the COVID-19 virus situation, I called two companies, XXXX XXXX and American Education Services today ( XX/XX/2020 ) to seek forbearance for three months on my student loans payments. The service representatives, in each case, told me that the forbearance will be decided upon later and they will let me know the status but the interests on the loans will continue to accrue during the period of forbearance in case they are even approved. I feel that these two companies are heartless ones who don't have the needs of the American citizens at heart but are only interested in their profits no matter what is going within the lives of the citizenry and should be called to order asap.
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I requested a deferment on my loans due to the COVID-19 pandemic. Since this has brought on extreme financial hardship to me. My expenses have increased and it has affected my budget. The loan company AES has denied my request for forbearance.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: This is regarding the Public Service Loan Forgiveness Program. The lender keeps mistaking paperwork and not applying properly to the account, which should be a simple administrative task. I've had to call again and again to try to solve and rectify the issue, and resubmit every single time, averaging more than five different occasions. Each customer service representative tells a different story, only for me to have to repeat submitting paperwork again because someone could not do their job and the paperwork submtited each time by me ( borrower ), goes to waste or expires. During this COVID-19, the entire phone lines and email system is down so I can not contact them to try to figure out my account and make sure we are on same page, including a refund of my posted payment.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am a United States military service member. In XXXX US military paid out {$50000.00} of my student loans for eight years of service in the HPLR program. The amount that was left over was tacked onto my XXXX and XXXX degree loans. my student loan balance is {$230000.00}. Fascinating I went into debt to take care of people who are so on thankful for healthcare .... Under the public health service loan program application since XXXX Ive had full-time jobs and made payments but not all in sink. In XXXX I started to make regularly month payments underneath the public health student loan repayment program. I have not missed one payment. I have been working part time for the US military and 32 to 36 hours a week for the employer in the hospital. Fed Student Loan servicing is denying my applications and will not tell me why. And healthcare 32 to 36 hours a week is considered full-time. I recently contacted them and XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. Still no data sent XX/XX/XXXX I sent them a certified letter asking them for 1 ) rationale of why they are not putting my payments towards the public health student loan repayment program 2 ) no interest while on XXXX XXXX during the my XXXX XXXX in reserve. I have still not heard anything back. All my requests go unanswered.
Company Response:
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have repeatedly requested that extra payments I make on my loans go toward a specific loan and that I do not want extra payments to put me in " paid ahead '' status. I have asked via electronic message on their website ( three times, the first of which was in XX/XX/XXXX ), via phone ( twice, first time in XXXX or XX/XX/XXXX ), and letter via USPS ( twice, first time in XX/XX/XXXX ( I can only find a copy of the first letter, which is attached ). I never received any kind of response or confirmation to my electronic or USPS letters. On the phone, I was repeatedly given the run around ( the first call the person told me that she could not - as in, had no ability to - make any kind of notation on my account about extra payments ) ; on the second call, I was initially told the same thing, and also told that I shouldn't worry about it because ( a ) they would take care of extra payments in a way that was in my best interest, and ( b ) I could always, supposedly, have them retroactively redirect a payment if I was unhappy with how it was applied. By the end of that call, I believe, but am not positive, that the call taker confirmed that there was some kind of notation on my account instructing how to apply extra payments. This seemed to be working for a while, and my extra payments were finally going toward principle on the loan that I had specified. Two months ago, my payments were all the sudden being once again misapplied, and instead of going to principle I am now in the ( utterly deceptive ) " paid ahead '' status that I have specifically and repeatedly told them not to place me in. I truly can not believe how transparently fraudulent this loan provider is, and I do not know what to do at this point. Paying off my loans is incredibly stressful, and I do not have the time or the emotional energy to waste hours upon hours trying to force them to simply follow the clear instructions that I have given them.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I've tried calling AES multiple times and messaging via their website and XXXX in the last 7 days. No direct reply. They are sending out stock answers to people saying that they are a commercial lender that does not have to comply with the CARES Act. They are refusing to stop interest and will only offer 90 days forebearance. They consolidated my federal student loans, I had no choice In the matter. They are skirting law yet brag about being an officially designated FEELP servicer right on their website. Please help!
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Last week, Congress passed and the President signed into law the CARES Act which clearly states in Sec. 4513 that Education Secretary XXXX shall suspend all payments due for loans made under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for 3 months. The Act goes on to prohibit the accrual of interest in such loans. And, most importantly, the act requires that for each month that loan payments are suspended, that the Education Department treat the loan as if it were paid for purposes of any loan forgiveness program authorized under part D of title IV of the Higher Education Act of 1965. However, the Education Department has taken the position on its website that this does not include forgiveness under the PSLF program, and I have not received a response from FedLoan on this issue either. I am concerned Secretary XXXX and the Department of Education are not following the law and are directing loan servicers to do the same.
Company Response:
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A