I am filing a formal complaint regarding an alleged debt related to the XXXX XXXX, financed through XXXX and XXXX XXXX. This account has been sent to collections, and I am currently being asked to repay despite not having received or accepted any qualifying job offer through the program. Under the contract, Placement is explicitly defined as receiving or accepting a job offer. I have not received or accepted any such offer. Therefore, the contractual condition required to trigger any repayment obligation was never met. The program was marketed and structured as an XXXX XXXX XXXX ( XXXX ), where repayment is contingent upon actual income. However, I did not secure employment through the program and have no qualifying income, yet I am being treated as if I owe a fixed loan obligation. This contradicts the fundamental nature of the agreement.…
CFPB COMPLAINT DATABASE
Aes/pheaa
94 real consumer complaints filed against Aes/pheaa at the Consumer Financial Protection Bureau in the last 12 months. 5 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Dealing with your lender or servicer45
- 02Struggling to repay your loan15
- 03Incorrect information on your report13
- 04Attempts to collect debt not owed7
- 05Problem with a company's investigation into an existing problem6
Top states filing
Recent complaints
The 30 most recent complaints against Aes/pheaa where the consumer chose to publish their narrative.
Complaint Against : XXXX XXXX I am filing this complaint regarding XXXX XXXX refusal to assist in tracing cashiers checks totaling {$23000.00} issued in XX/XX/year>. These cashiers checks were used to pay my student loan obligations. However, the loan servicers ( XXXX and XXXX XXXX ) have no record of receiving or applying these funds. This has created a serious financial dispute, as I am being told I still owe a balance that I believe was already paid. I contacted XXXX XXXX and visited a branch in person ( XXXX XXXX XXXX, XXXX, CO ). I spoke with banker XXXX XXXX ( XXXX XXXX XXXXXXXX ), who informed me that the bank can not provide any information regarding these checks due to a XXXX record retention policy. While I understand that physical images of checks may not be retained, XXXX XXXX has an obligation to maintain transactional records sufficient to identify whether cashiers checksrepresenting guaranteed fundswere negotiated and where those funds were deposited.…
I responded to documentation that was sent to me around XX/XX/year>XXXX asking me to pay a debt for XXXX dollars. Actions Taken by Me : I sent a certified letter to PHEAA in XXXX PA requesting a hearing at their earliest to dispute the validity of the debt. Thus far, I have not been successful in receiving a date for a hearing.
According to AES, I was informed that the loan owner was XXXX XXXX XXXX XXXX, as stated in a CFPB complaint response dated XX/XX/XXXX. However, when I called AES on XX/XX/XXXX, at approximately XXXXXXXX XXXX to request the name, address, and phone number of the loan owner, I was only provided the name XXXX XXXX XXXX ( which differs from the name stated in the letter ) and the phone number XXXX. I was instructed to call that number to obtain the address. On XX/XX/XXXX, I emailed AES again requesting confirmation of the loan owners name and address. I was then told to contact XXXX XXXX XXXX, identified as the loan Program XXXX for XXXX XXXX XXXX, at XXXX. Based on the information provided in AESs letter, I submitted a CFPB complaint to XXXX XXXX XXXX XXXX. On XX/XX/XXXX, they responded by providing a chain of title indicating that my loan had been sold to another entity on XX/XX/XXXX. Given these conflicting responses, it remains unclear who the current owner of my loan is.…
I am a XXXX resident and borrower with {$220000.00} in XXXX loans serviced by AES. I am reporting material servicer misconduct and 'steering ' that caused me to miss the XXXX XXXX XXXX XXXX deadline. On XX/XX/XXXX, I contacted AES to ask about my XXXX IDR forgiveness. The representative told me I was 'not eligible. ' This was a material misrepresentation. While my XXXX loans weren't eligible at that moment, the representative failed to inform me that I could become eligible by consolidating into a Direct Loan before the XXXX XXXX Account Adjustment deadline. On XX/XX/XXXX, AES representative XXXX XXXX confirmed that an internal account note from that XXXX call explicitly states I was 'not eligible for XXXX forgiveness . ' This confirms the misinformation was documented in their system. I have already filed a formal dispute with the XXXX Attorney General and demand an equitable adjustment. As a borrower managing diagnosed XXXX and anxiety, I relied on the servicer as an expert.…
Originally spoke to XXXXAES about my loans in XX/XX/XXXX, they reported to me that I paid approximately $ XXXX on loans that totaled $ XXXX, but that I still owed $ XXXX. Requesting all loan documents to include promissory notes and full payment history. I received 9 promissory notes and full payment history in pieces for me to figure out what loans went to which documents. I then sent a fax XX/XX/XXXX ( attached ). When I called for their fax number and verbally asked for some of the information, I was told that they could not give me that information or that they did not know the answer. They sent me a letter stating they would respond within 10 days. After the 10 days they sent a letter including 12 loans, when the original loans were only 9. Which I only received 9 promissory notes for. According to XXXXAES payment history I have 90mo on 70mo terms, they stated they could reset those and the 70mo terms without my knowledge or new loan agreements.…
This complaint is involving American Education Services. My XXXX was on this student loan with me and upon his death I received a letter in the mail stating that I was eligible to get this loan balance forgiven due to his XXXX. I was asked to send in his XXXX XXXX in XXXX of XXXX. My XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX I emailed a copy of the death certificate to the company at XXXX. Months later, the account disappeared off of my credit report. I do not have the exact date. Now, within the past week, this account is showing up as XXXX XXXX on my credit report. I have not received any calls and nothing in the mail from this company or from AES since it fell off of my credit report sometime last year in XXXX.
I am submitting this formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate and materially misleading reporting on my consumer credit file. Account Name : American Education Services Account Number : XXXX Account Type : Installment Date Opened : XX/XX/XXXX Account Status : Closed Charge-Off Status Updated : XX/XX/XXXX Reported Balance : {$0.00} This account is being reported as a charge-off with a {$0.00} balance and is associated with a past address that is no longer accurate. I dispute the accuracy and continued reporting of this account. A charge-off is an accounting action in which a creditor writes the debt off as a loss. If the debt was written off for accounting and tax purposes, then cancellation-of-debt income may have been triggered, which would require issuance of IRS Form XXXX. I have not received any XXXX relating to this account.…
I am disputing the enforceability and credit reporting of a private student loan currently serviced by American Education Services ( AES ). This loan was originated as a jobdependent financing arrangement. However, the governing agreement does not clearly define the conditions under which repayment is required if qualifying employment is not obtained. Prior to execution, I sought clarification on this issue and was informed that continued job search would result in deferment and eventual dismissal. Despite this, no written framework governing these conditions has been produced. On XXXX XXXX, 2026, I formally requested that AES provide : the promissory note and any governing agreements, any documents defining jobdependent repayment obligations, jobsearch requirements, discharge or dismissal criteria, servicing and deferment records. AES has acknowledged receipt of my request but has failed to produce any documentation establishing these terms.…
I am filing this formal complaint against PHEAA ( XXXX American Education Services, AES ) regarding the failure to return a verified overpayment of {$9700.00}. This delay has forced me to take emergency personal loans from my family to satisfy university requirements. 1. Background of the Financial Error My university issued a full tuition refund for the XXXX XXXX semester as I am completing an internship. Mistakenly believing I was responsible for forwarding these funds to my servicer, I made a payment of {$9700.00} to AES. When the university corrected the ledger and required those funds back, I requested a refund from AES on XX/XX/XXXX. Because AES failed to return my money, I had to borrow the full amount from my parents in increments of {$2000.00}, {$3500.00}, {$3500.00}, and {$2000.00} to pay the university. 2. Evidence of Financial Harm ( See Attached XX/XX/XXXX Bank Statement ) My attached bank statement provides a transparent record of this crisis.…
The borrower has a pending Borrower Defense to Repayment application with the U.S. Department of Education. While the Department is investigating the claim, the loan has been placed in administrative forbearance. Despite this status, the loan servicer continues to send collection-related communications and appears to treat the account as past due. This includes debt validation notices and other correspondence that suggest payment is required. Collection activity and adverse reporting during an active Department of Educationdirected forbearance are inappropriate and inconsistent with the borrowers current status. The servicers communications do not acknowledge the Borrower Defense forbearance or reflect that payments are not due during this period.
I requested information from patenaud XXXX felex regarding the original loan from national collegiate XXXX how i owe them money. They would not provide the information. They proceeded XXXX garnish my wages until i settled for XXXX a month. I still dont believe that i ever actually borrowed from them. I remember enquiring about consolidation with XXXX XXXX but then said never mind XXXX thought i was done with them. Then 2013 i was sued XXXX then garnished XXXX had. O choice but to settle.
I am filing this complaint regarding a wage garnishment being enforced by XXXX XXXX XXXX XXXX XXXX related to a private student loan allegedly originating in or around XXXX. This is a post-judgment matter. I previously requested documentation and verification related to the alleged debt, including proof of ownership, the complete payment history, and documentation supporting the balance being enforced through garnishment. These requests were not properly responded to prior to or during enforcement of the garnishment. Additionally, XXXX XXXX XXXX XXXX XXXX has failed to provide sufficient evidence demonstrating that it has standing to enforce this debt, including a valid chain of assignment from the original lender. As widely documented, XXXX XXXX XXXX XXXX XXXX has a history of enforcing loans without adequate proof of ownership. Further, in XX/XX/XXXX, an agreed-upon settlement amount of {$16000.00} was reached and paid.…
b"I am a XXXX fellow caught in a 'Customer Doom Loop' between my lender (XXXX) and my servicer (American Education Services/AES). My loan meets all criteria for XXXX% cancellation under the Pathrise Placement Guarantee. I have already submitted my XXXX W-2 and IRS Form XXXX to prove I do not have qualifying employment.\n\nOn XXXX XXXX XXXX, XXXX issued a notice that lenders agreed to honor these guarantees. I shared this with both companies, yet they are engaging in a circular loop of non-assistance:\n\nOn XXXX XXXX XXXX, XXXX at XXXX emailed me stating: 'We are unable to process your request, please contact American Education Services (AES).'\n\nOn XXXX XXXX XXXX, AES Rep XXXX (NMLS# XXXX) told me to apply for forbearance on the Edly website.\n\nOn XXXX XXXX XXXX, AES Rep XXXX (NMLS# XXXX) replied to that application stating they 'cannot assist' and directed me back to XXXX.\n\nThis circular finger-pointing is preventing a forbearance from being processed while a valid…
Recently had this cased closed, ironcircle is fraudulent class at the XXXX XXXX XXXX. It offers no official school identification to the XXXX XXXX XXXX It gives no access to the universitys student portal. Under what terms would it be official. How is it legal to close then rebrand a program ..? I joined under XXXX before closure. I am not officiated with XXXX under any costs. If it was a class under the XXXX XXXX XXXX then I should have access to the campus and etc as a regular student. I deeper investigation must be brought because they have did this to a numerous amount of people in unnecessary debt because of their constant rebranding and inconsistent, and incompetent staff and leadership.
Subject : Complaint Regarding Improper Student Loan Origination and Failure of Pathrise to Honor Its Service Agreement I am filing a complaint against XXXXXXXX XXXX, and American Education Services ( American Education Services, AES, XXXX XXXX XXXX ) concerning a {$20000.00} ( plus all accrued principle and interest ) education loan that I should not be responsible for. The loan was improperly originated, and the service it financed ( XXXX ) was never successfully honored under the terms I was assured. In XX/XX/XXXX, I enrolled as a XXXX XXXX after completing their free trial. I was told I would participate in a year-long career mentorship program with the understanding ( explicitly communicated by Pathrise ) that repayment was income based, only if I obtained a job through their program. If I did not secure employment by the end of the program, I would be off-boarded and would not owe repayment. This was the premise under which I agreed to proceed.…
In XXXX of XXXX I enrolled with " XXXX ''. Enrollment involved taking out a loan of {$15000.00} from " XXXX ''. I withdrew from XXXX legally and paid them their withdrawal fee in XXXX of XXXX. It was XXXXXXXX XXXX obligation from their terms of service that this loan was suppose to be cancelled. I was notified by XXXX in XXXX of XXXX, that they have never received the money back from XXXX. The servicing of the loan has transferred from XXXX to American Education Services ( AES ) while XXXX is still the main holder. I am asserting a formal defense to repayment under the FTC Holder Rule ( 16 C.F.R. 433 ). My previous complaint was incorrectly handled as a general dissatisfaction claim ; however, this is a material breach of contract. XXXX failed to cancel my loan from XXXX after receiving a {$1000.00} withdrawal payment on XX/XX/XXXX. The new servicer, AES ( American Education Services ), is attempting to collect an invalid debt.…
I applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX discharge application on XX/XX/year> for my Student Loans which were held by PHEAA. My discharge was approved by XXXX XXXX XXXX on XX/XX/year>. I have been aggressively contacted by PHEAA since XX/XX/year> stating my loans are in default. I contacted them and told them I had a XXXX application in process and collections should be on hold. They ignored the XXXX application process and continued to send collection letters. When I received the approval of my discharge, I sent PHEAA a copy of the letter and XXXX XXXX XXXX also sent them a letter that my loans should be discharged. I have received 3 more letters for collection from PHEAA since then and the last letter said they have denied my objection to paying the loan based on the TPD discharge because they said they were not notified from the United States Department of Education ( USDE ) regarding the discharge.…
I am disputing a student loan originated through XXXX and American Education Services ( AES ) in connection with the XXXX program. My loan qualifies for cancellation under the XXXX Placement Guarantee because I was not placed in qualifying employment during my participation in the program. XXXX and XXXX and have formally confirmed in writing that eligible fellows loans are to be forgiven following a recent agreement between the two companies. I have documentation from XXXX leadership confirming this. My loan servicing was recently transferred from XXXX to American Education Services ( AES ). AES states they have not yet received documentation from XXXX or XXXX and is demanding payment, with my first installment due XX/XX/XXXX. This is a servicing transfer failure. I have acted in good faith, promptly contacted all parties, and provided documentation.…
I am submitting this complaint regarding a federal student loan that originated in the early XXXX. I have requested a copy of the original signed promissory note from the current loan servicer and furnisher in order to review the terms under which the loan was originated. Despite these requests, the servicer has been unable to provide a copy of the original signed promissory note. No explanation has been provided as to whether the document is unavailable, lost, or never retained, only that it can not be produced. As a result, I am unable to fully review or verify the original loan terms, which limits my ability to understand the circumstances under which this debt was incurred. Given the age of the loan, access to accurate documentation is especially important. I am requesting that the servicer either provide a copy of the original signed promissory note or clearly explain why the document can not be produced.
Upon careful review, these inquiries are : XXXX. Inaccurate and unverifiable No permissible purpose or signed authorization exists that legally justifies these inquiries. XXXX. Reported in violation of FCRA 604 ( a ) ( XXXX ) These inquiries were not initiated by me and were made without a legitimate permissible purpose as defined by law. XXXX. Incomplete reporting under XXXX XXXX standards The furnishing entities failed to provide proper coding and field compliance that meet regulatory requirements. This discrepancy triggers a XXXX XXXX field compliance error, which mandates correction or deletion. As you are aware, XXXX automated verification can not legally replace a factual investigation under FCRA 611 ( a ) ( 2 ). You are obligated to conduct a reasonable reinvestigation based on the specific information provided here. The continued reporting of these inquiries without proper verification is a willful violation of the FCRA and will be escalated.…
I am writing to formally dispute and seek clarification regarding recent communications from the XXXX XXXX XXXX XXXX for XXXX XXXX indicating that I must reapply for loan relief, despite having previously received written confirmation that my qualifying student loans were 100 % completely forgiven during the COVID-19 period. During the COVID timeframe, I was explicitly informedboth verbally and in writingthat my loans under this program were fully forgiven. I was issued official documentation confirming complete loan forgiveness, and I relied on that determination in good faith. At no point was I advised that this forgiveness was conditional, temporary, or subject to later reversal. I have now been told that I must reapply for the program. This is deeply concerning and appears improper. A finalized loan forgiveness determination can not be arbitrarily rescinded without lawful authority, clear explanation, and due process. To date, no such explanation has been provided.…
I am filing this complaint on behalf of my daughter, the borrower. The student loan was originated through her school and required school certification, and she was actively enrolled at the time the loan entered repayment. American Education Services ( AES ), the loan servicer, has stated that the loan was placed into immediate repayment based on the promissory note. However, neither my daughter nor our family was clearly informed that repayment would begin while she was still enrolled in school, nor was it reasonably expected given the school-certified nature of the loan. AES placed the loan into repayment during active enrollment and has refused to correct the status, stating they do not own the loan. As a result, my daughter was advised to take out a new high-interest loan to cover payments that should not have been required during school.…
Company Name : AES XXXX PHEAA ( American Education Services, Pennsylvania Higher Education Assistance Agency ) Type of Loan : Private Student LoanConsumer Location : XXXX Location : Pennsylvania Complaint Narrative : I am submitting this complaint regarding AES / PHEAA ( Pennsylvania Higher Education Assistance Agency ) for fraudulent and deceptive servicing practices, failure to provide required loan documentation, and improper interest assessment on a private student loan. The original principal balance of my loan was {$12000.00}. To date, I have paid a total of {$41000.00}, including {$29000.00} in interest alone. This amount is grossly disproportionate to the original loan and raises serious concerns regarding improper interest accrual, capitalization, and payment application.…
I filed for bankruptcy in XXXX 2025, and AES I thought put a stay on my account, while because when I logged in to check the status, it said that the account was in bankruptcy status and no payments were due at this time, or so it said on the website. I found out however once my bankruptcy was completed in XXXX of 2025 that they actually defaulted my student loan while I was in a federally protected court order.
I am filing this complaint against XXXX XXXX XXXX regarding the reporting of late-payment information on my account in XXXX. XXXX is reporting late-payment activity for XX/XX/XXXX and for the period of XX/XX/XXXX through XX/XX/XXXX. These reported delinquencies do not clearly align with my payment records, account balance, or account status during the periods in question. Due to these inconsistencies, the accuracy of the reported late-payment information can not be reasonably verified.
XXXX XXXX loan disclosure, servicing errors, improper collection, credit reporting risk. Complaint Summary This complaint concerns improper origination, servicing, and continued collection of a consumer loan issued by XXXX, initiated through XXXX XXXX XXXX, despite the underlying service agreement being terminated. What Happened In XX/XX/XXXX, XXXX required me to complete financing paperwork with XXXX as part of enrollment. This financing was presented as conditional and contingent on future employment, not as a loan that would remain enforceable if services were canceled. After XXXX terminated my participation and confirmed that the XXXX agreement would be canceled, XXXX nevertheless continued to treat me as an active borrower. In XX/XX/XXXX, I began receiving payment notices. On XX/XX/XXXX, XXXX informed me that servicing would transfer to American Education Services ( AES ).…
To remove loan. It's not mine. We operated long time.ago. Also my ex husband XXXX XXXX requested me to be separated from the AES lone back in XX/XX/XXXX. Now it's about to be XXXX and it's still not seperated. I have tried to remove my name and information from my ex-husband s student loans several times. I submitted several requests through the credit bureaus. I've contact AES on numerous occasions within the last XXXX years. All to no avail. My student loans we're forgiven by the Biden and XXXX Administration. I even received a letter from AES around XX/XX/XXXX. It advised me they received notice from my ex-husband XXXX XXXX or me to separate me from his Student loans under their company. My original student loans were separated and refinanced to another loan servicer. If you look at our original student loan docs we had 6 loans on them. When I refined my 4 loans moved to another servicer. As for XXXX 2 loans they stayed with him only. Also, if you look at his refinance documents.…
AES/PHEAA is attempting to collect and report a private student loan balance that was materially inflated through unauthorized loan transfer/principal balance additions that I did not apply for, did not sign for, and did not receive loan proceeds for. AESs servicing history reflects phantom principal increases posted to my account in the amounts and dates below : XX/XX/XXXX : + {$20000.00} XX/XX/XXXX : + {$12000.00} XX/XX/XXXX : + {$13000.00} I did not execute promissory notes for these amounts, did not receive Truth-in-Lending disclosures for them, and was not enrolled in school in XXXX!! These balance additions are therefore disputed as unauthorized extensions of credit / improper balance migration.…
I refinanced my student loans with AES in 2023. They said payment was sent to sallie maie but my Federal Stutdent aid is still showing i owe the money that I refianced is owed to them. I have spoke to all companies about this and each one is putting the work on me to figure out why my refiance loans are still showing up on my Federal Student aid site. All companies have been charning me monthly payments on the same loans that i refienaced for the past two years. I just need the refianced loans applied correctly.
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