Date Received: 2019-02-13
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I have student loans with American Education Services ( AES ). My loan balances are up to date and current. My father is the cosigner on the loan. My grandfather, XXXX XXXX, who is not affiliated with the loan has been receiving phone calls from AES almost daily and sometimes multiple times in a single day. AES is calling their home phone and my grandfather 's cell phone. My grandparents have spoken with AES dozens of times and explained that they don't understand why they are calling and have no information for them. They have asked AES to stop calling. I have contacted AES and asked the calls to stop. The calls continue to come. I have contacted AES on XX/XX/19 to demand the calls stop. AES refused to confirm the calls would stop. I spoke with a woman named XXXX. AES would not give me, the primary on the loan, any information. They just speak in circles from a script. I am paying my loans. They are current. My grandparents are not involved. I want the calls to stop.
Company Response:
State: OR
Zip: 97838
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I knew I fell behind on payments with American Education Services ( AES ) and was having a hard time paying my monthly bill. In Septemper I spoke with someone at AES and they made me aware that my account was going to be sent to default if I did not make a payment. I said I could not make the full amount due, but that I would make a payment. She said that if I made a payment of {$1000.00} my account should not go to default, but she couldn't make any guarantees. So on Friday XX/XX/2018 I made the payment of {$1000.00} to AES. On Monday the XXXX of XXXX I found out they sent my account to what I was told was default. I once again got into contact with AES and asked if they could get my account out of default because I made a good faith payment. AES said they would send my request to the lending department and I would hear back in 7 to 10 business days. After that time passed and I had not heard anything I once again got into contact with AES. AES said they were still waiting to hear back from the landing department and for me to wait a little longer. So I waited another week and still did not hear anything from them. When I logged in online I noticed my balance said I owed something around {$3200.00}. When previously it said I owed {$0.00} from where they sent it to default. I contacted AES again and asked them if it was out of default and they just said I owed the {$3200.00} dollars. I asked them why my account hadn't been credited the {$1000.00} payment I made in XXXX, and they said it was sent to the collection company. I asked them if they would get it back so my account could be credited and AES said they would have to figure out how to get it back and they would contact me withing 7 to 10 business days. On XX/XX/2018 I received a check from XXXX XXXX ( collection agency ) for the amount of {$1000.00} dollars. I was curious why they didn't send that amount to AES. When I got back on the AES website my account once again said I owed {$0.00}. When I called AES and asked them about it, they said my account had defaulted. I once again asked for a review to be sent to the lending department because I had made the good faith payment in XXXX, and was waiting to hear back from AES. I started getting phone calls from a collection agency in late XXXX XXXX XXXX XXXX stating I owed the balance due on my loan ( {$51000.00} ). When I once again called AES they said my loan defaulted and that they no longer have the loan and that I would have to contact XXXX XXXX XXXX.
Company Response:
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I originally fined a complaint with you on XX/XX/XXXX. I stated that on XX/XX/XXXX, after filing for a hardship forbearance, I received an email from XXXX XXXX granting me the forbearance until XX/XX/XXXX. The company 's response was " ... you expressed concern because you believe your loans were approved for forbearance through XX/XX/XXXX ... '' I have the email to prove the forbearance, but XXXX has locked me out of my online account. Being locked out of my account was another complaint in my initial filing. This was not addressed. I tried this morning to get back into my XXXX online account and received the following message : " This account has been blocked from online access. For further assistance please contact us. '' I have been trying to get into my account since XX/XX/XXXX. I wrote XXXX several letters about the subject and called on XX/XX/XXXX. I need to get into my online account. This is where payments are made, along with the forms for filing another Income Driven Repayment program. I can not do either, because THEY HAVE ME LOCKED OUT OF MY ACCOUNT. Once I am into my account, I can retrieve the original XX/XX/XXXX, email granting me forbearance, and also apply for another IDR plan. I can do nothing until I can get into my account. Meanwhile, interest is piling up and it needs to be erased. It is XXXX XXXX fault I can not file or pay, because of my account being locked. Again, my statement from XXXX XXXX stated my payment is " XXXX. '' I want into my account immediately. XXXX does not respond to letters or emails, other than to say they have received them. I get a prescripted response. I want into my account, and all statements ordering me to pay hundreds of dollars stopped.
Company Response:
State: KS
Zip: 667XX
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I am 8 years into qualification for XXXX. I submitted my normal income recertification to stay on my income-driven repayment in XX/XX/XXXX, meeting the deadline XXXX set for me to submit these materials. At least 2 times during XX/XX/XXXX I contacted XXXX via message and phone call to check on the progress of this application since I had not heard anything. I was informed that the application was on-track ( or did not hear anything in the case of my private message sent via the website ). However, I was finally informed on XX/XX/XXXX, that apparently my application was incomplete. That same day, I re-submitted application materials, and XXXX is currently " processing '' this application. I have already been informed that the recertification will not be completed in time for my XXXX statement and that any payment that month will not count toward XXXX. I am very angry as this is not the first time such a lapse has occurred due to XXXX 's slow movement. I have called XXXX nearly every day in the last week to ask that the loan by expedited, particularly since the 5-week delay in the original processing was entirely XXXX 's fault. I have been told that they can't even put in a request to expedite until XX/XX/XXXX. What can be done to expedite this process and fix the missed month ( or more! ) for PSLF-eligible payments due to XXXX 's delay in informing me about the supposedly incomplete application, which was submitted by the deadline.
Company Response:
State: GA
Zip: 30307
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XX/XX/XXXX my un-subsidized loans through XXXX services were placed into deferment without my knowledge or consent. This turned off my direct debit auto-payments, again, without my knowledge or consent. In XX/XX/XXXX I finally got an email alert saying that my payments have been turned off at which point I had to call and get the deferment reversed. Since my payments had been turned off from XX/XX/XXXX-XX/XX/XXXX my principal balance remained higher than it would have been if they had not turned off my payments. As a result the interest payments that XXXX applied to my principal balance were also higher than they should have been. All of this leads to them charging me more money under the guise of a " service benefit '' ( their words, not mine ) which I never asked for or desired. So in conclusion, XXXX made changes to my account which allowed them to increase the amount of money they say I owe, and this was all done without my consent or authorization.
Company Response:
State: MA
Zip: 01201
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Hi, My account has been locked for over a year. I have written several emails, postal lettrs requesting access to my account- but all in vain. I am in a different country ( XXXX ) ; and I called in on the helpline- the automated server acknowledged that they knew I was having trouble accessing my account, byt kept me on hold for over 15 mins, but no rep came on the line. This lock has prevented me from accessing my loans, dented my credit score negatively and caused me great emotional stress as my loan amount keeps increasing and I keep getting payment reminders. I have email proofs that I have been trying to access my account since the past year.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Pennsylvania Higher Education Assistance Agency ( PHEAA ) continues to ignore my requests of due process of law regarding my student loan debt. Please see attached document that explains the latest update regarding my dispute.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On my XXXX report my 13 Student Loans between XXXX XXXX XXXX College and XXXX XXXX XXXX XXXX College were Transfered to XXXX from XXXX. I consolidated my XXXX loans to XXXX XXXX. XXXX had them as being collection accounts with a XXXX balance. I contacted XXXX who said they were never collections accounts and should be marked paid in full. A notice was sent that the dispute investigation was finished and they were marked collections/paid. I disputed that after calling and letting XXXX know. XXXX said they made their investigation and they were still collection accounts. This is untrue. They are not and never were collections. XXXX then told me they would only be on my credit report til XX/XX/2021, that is when 7 years was up so I should not worry about it. The XXXX loans are showing 120 days past due and they should be closed. Not only that but they were rehabilitated, but into general forbearance, and had hardship deference on them. All those actions should have taken any past due balance away. I can not reach an XXXX customer service rep and the only note in all now 26 of these loans on my reports says dispute investigated, consumer not satisfied. This is not how I was counseled during student loan counseling this would work and XXXX/PHEAA never told me the transfer to XXXX. I am tired of fighting these loans.
Company Response:
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2019-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: XXXX XXXX was supposed to have mailed to me another IBR form, but I have not received it. I knew not where to have begun ... e.g., when I was an XXXX, a university that I withdrew from officially and transferred from changed my financial aid information repeatedly, more or less daily, without my knowledge or consent, so that it received money instead of the university where I was actually enrolled ... The most recent major issue that I had was that the loan company tried to have consolidated bogus loans instead of the real ones ... I knew where this will have ended ... I XXXX almost twenty years ago, but was expected to have been in debt another 30 years or more ... The loans will never have been repaid. Whoever loaned the money knew the risk ...
Company Response:
State: PA
Zip: 16506
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have multiple student loans that were provided by XXXX XXXX XXXX. However, last year these accounts were consolidated through another loan servicer and should reflect as such. When I pulled my current 3 bureau credit report I noticed there were many late payment alerts that flagged to my account based on the loans. They accounts ranges dates from XX/XX/XXXX-XX/XX/XXXX. I was in school from XX/XX/XXXX-XX/XX/XXXX. I am not sure why these late statuses were reported but I would like to get them removed from my credit report on all XXXX XXXX Accounts to ensure it is not effecting my credit score. I would like to also request to remove the account if there is no longer any balances on the accounts. I will submit a dispute as well from the credit bureaus side.
Company Response:
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A