Date Received: 2019-12-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: American Education Services continues to violate the Fair Debt Collection Practices Act applying to the Borrower, XXXX XXXX, which states under 805. Communication in connection with debt collection where XXXX XXXX respectfully requested that after making initial contact advising of a payment date upon a payment ( s ) becoming past due, that no further communication be directly sent to Borrower AND Cosigner. AES claims that the promissory note gives them permission. If it violates an Act set forth in this nation by the people of this nation, then the promissory note should be void of that specific clause. AES has also since deactivated my online use of the account to make payments in an attempt to retaliate against my continuous pleas. American Education Services was notified on XX/XX/XXXX via email that the account would go past due by 30+ days, but that the borrower, XXXX XXXX XXXX had every intention of bringing the account current by paying the past due amount by no later than XX/XX/XXXX. AES, in turn, revoked my online access which is used primarily to make payments. 805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Company Response:
State: PA
Zip: 17522
Submitted Via: Web
Date Sent: 2019-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Recently I started receiving requests, missed payments, and debt collection attempts to make payments on a student loan that I do not own. This account has been reported to the credit reporting agencies and is significantly impacting my credit report and my credit score.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2019-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-23
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I turned in ( 3 ) employers for the Feb Loan Forgiveness Program. One of the employers will not fill out the information needed, which was checked on the form. After speaking with at least five customer service representatives, with different stories, I am super frustrated that there is a disconnect with active listening, comprehension, and reading. I've had to explain to them where to look, on their form, for the spot checked where the employer will not fill out the form. A rep told me to send in pay stubs showing I worked there. I faxed in over 30 pages and now a Supervisor # XXXX is saying that I meed W2s. The rep # XXXX prior to the supervisor said that the employer did not sign the form, which is correct, because the box was checked where they did not respond. Each employee from the date I faxed my application ( XX/XX/2019 ) needs to be terminated and suspended and retrained.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2019-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: The student loan was made XX/XX/XXXX for {$45000.00}. I've been paying the loan as scheduled for 10 years. On XX/XX/XXXX I received a statement confirming I paid {$24000.00} and principal satisfied {$11000.00}. but the current balance was {$43000.00}. I call AES for an explanation and was told all the interest was compounded and applied on XX/XX/XXXX. Under this scenario its impossible to repay the loan. I feel the lender, AES, has not applied the interest properly and has misrepresented repayment of the loan. I'm on a 60 day deferment program and would appreciate your assistance.
Company Response:
State: MA
Zip: 01915
Submitted Via: Web
Date Sent: 2019-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Fedloan " took over '' my XXXX XXXX loans and I choose the graduated repayment option because with my job I get a small raise every year and that made fiscal sense. This disqualified me from public loan forgiveness ( which is not my main complaint ) which I did not know. My monthly payment was {$200.00} a month. I took some additional XXXX classes and my loans went to deferment. Once I completed my classes my loans went into repayment status but Fedloan switched the terms and agreements without telling me FROM graduate TO standard repayment which jumped my monthly payments by over {$120.00} a month to {$320.00}. This happened early XX/XX/2019. I called to ask why they changed the type of repayment and them to let them know I did not have an additional {$120.00} a month but could still afford my {$200.00}. They would not help me other than telling me I make too much money for income driven but to refinance for another 10 years and that my interest rates would most likely jump so my payments would not actually be any lower than the current {$320.00}. So I reconsolidated with XXXX XXXX because they were the only financial institution that could get me back to the lower {$200.00} a month payment which I could afford. I made my XXXX payment with Fedloan. XXXX XXXX bought 3 of my 4 loans from Fedloan and indicated which specific loans they purchased when they sent the check in late XXXX. Fedloan claims they did not know what loans were being paid off and applied the {$12000.00} check to all 4 loans and then still charged me my full {$320.00} payment in XX/XX/2019. I called a few days before my XXXX payment was due and was told by a Fedloan representative my XXXX payment would not get pulled because they got the {$12000.00} check but it still got pulled. I have talked with four different Fedloan representatives all which give me different information. One told me my payment would not get pulled. One told me a refund would take 2-3 business days. One told me a refund would take 30-40 days. Three of them told me they did not know what loans the {$12000.00} check was for even though XXXX XXXX confirmed they sent a roster to Fedloan with this information. I understand customer service representatives have a hard job but Fedloan as a financial organization has been HORRIBLE to work with. Being lied to, given incorrect information and misapplying payoff money as well as pulling payments for loans that have been paid off is just a snapshot of my interactions with them in the past 5 weeks. If you have a choice DO NOT service your loans through them.
Company Response:
State: MN
Zip: 56308
Submitted Via: Web
Date Sent: 2019-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-23
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have MULTIPLE complaints. The first is that information is lacking and is not transparent. There is no way in the system for me to confirm the repayment plans each of my loans is on. The second is that they placed my loans in forebearance for NO reason. When I emailed to ask about it two weeks ago they never responded. They increased my monthly payment claiming it is because some of my loans are on a graduated repayment plan even though I switched ALL of my loans to the standard plan years ago. Since I can not view/access that info, I applied to change all of the loans to standard. They denied it stating my loans are already on the standard plan which begs the question of why were my payment amounts increased and why are they claiming some are on the graduated repayment plan. Now, the site wont allow me to submit a question about that. It feels that they intentionally fail to provide information or respond to requests for information and I am concerned about what is actually happening with my loans.
Company Response:
State: MA
Zip: 02145
Submitted Via: Web
Date Sent: 2019-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have recently started to educate myself on credit and trying to work on my own i have disputed my school loans a couple of times as my community colleges I've attended have have both officially closed all locations XXXX college and XXXX XXXX XXXX XXXX for financial aid fraud both school took advantage of my lack of knowledge with financial aid responsibilities both school submitted applications on behalf I tried attempting to pay loans and just never was able to get a job in my field to pay back loans and with no help like promised from XXXX with job placement or no school locations to take refresher classes like mentioned at time of enrollment made it even harder I've recently tried to contact debt collector to start payment plan options since my disputes did not work I have no contact info or have yet to receive any letters or phone calls that the loans are now reflecting this status in my credit report Payment Info Status : " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '' and does not provide a number or website to contact to dispute ive made a login to federal student loan and have called the number provided rep states they no longer have my collections debt she gave an explanation but I have no idea what that means I feel these should be removed its reflecting horrible on my credit they have neglected to contact me to collect debt or notify me of debt since it had changed collections agency or company in charge of collecting debt I don't know please delete from my credit score
Company Response:
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2019-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-20
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I applied to for a reduced payment based on the fact that I no longer have a job and am doing independent contractor work. I uploaded the documentation they asked for and it was ignored. They claimed that my application was blank but they processed it anyway. When I called after to find out why the amount was still the same after the approval I was told that my documentation was not acceptable but prior to me calling, there was no documentation stating that my documentation was not acceptable. They simply ignored it and used my income from the prior year. I spoke to XXXX XXXX who confirmed this information on XX/XX/2019 at XXXX and was on the phone with them being transferred for about 50 minutes.
Company Response:
State: NY
Zip: 12144
Submitted Via: Web
Date Sent: 2019-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-19
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: I received a letter from FedLoan Servicing dated XX/XX/XXXX. The letter was regarding a response to my request to have a portion of my student loans discharged due to school closures. I was advised in the letter that I am no longer obligated to make payments on these loans. I was also informed that all adverse credit history associated with the loans that have been discharged that was previously reported will be deleted to each nationwide consumer credit agency. I am still waiting on this to happen. I filed a dispute with each of the credit bureaus XXXX, XXXX, and XXXX. At the beginning nothing was done. I then sent letters to each credit agency that included a letter from me as well as thee letter that was sent to me from FedLoan Servicing stating how the loans was discharged. The only credit reporting agency that removed the account from my credit report was XXXX. I just don't understand that if I submitted the correct documentation and one credit agency verified and validated what I sent in removed the account why couldn't XXXX and XXXX? I thought and I have read that the credit reporting agency 's obligations just to name a few are : *Investigate any disputed credit information in your file, with very limited exceptions. *Correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of your dispute. *Refrain from reporting old credit information. In most cases, information that is more than 7 to 10 years old is considered old.the last obligation listed is due to me submitting disputes with all 3 credit bureaus for reporting accounts that are over 10yrs old that are continuing to report negatively that is still on my report that should have been deleted. I have been disputing this issue since XX/XX/XXXX and still nothing has been done. I was told that it was not over 10yrs old because the reporting company updated my account I advised each credit agency how can anything be updated when the company updated the information once I submitted the dispute, prior to that it is several accounts that are over 10yrs old and some are with inaccurate date of my first late payment but still yet no corrections no deletions. I have been fighting with FedLoan servicing, XXXX, and Department of Education concerning each of the loans that have been discharged but yet I am still receiving increase balance on my FedLoan Servicing accounts.
Company Response:
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A