Aes/pheaa

Aes says I owe due to a bill in XXXX and XXXX when I have not had AES in like 11 years XXXX XXXX says I owe XXXX when I have never have XXXX XXXX I've been with XXXX forever XXXX says I owe for missing a payment when in fact they clothes my account years ago and never made contact XXXX XXXX has been bothering me forever I definitely do not owe them anything I'm not sure who they are but I do believe my old roommate may have done this XXXX XXXX XXXX. XXXX says I owe XXXX I pad some I owe XXXX I feel I should not pay they said they have my signature but I'm sure they are lying

XXXX XXXX : The lender, Edly/FinWise, is engaged in inaccurate and inconsistent credit reporting for a debt that is legally void due to the schools ( XXXX ) unlicensed status in XXXX and total failure of service. In XX/XX/XXXX, I entered into a career services agreement with XXXX under their advertised " placement guarantee, '' which promised I would only be liable for payment if they successfully secured me a job. This agreement, which functioned as a private student loan with a principal of {$8500.00}, is legally void because XXXX operated as an unlicensed postsecondary institution in violation of the XXXX Private Postsecondary Education Act. Furthermore, XXXX failed to fulfill its contractual obligations ; I reached my XXXX milestone without a placement, as confirmed in writing by the XXXX founder on XX/XX/XXXX.…

I request production of the following documents and information relating to the alleged promissory note, account, and any transfers, sales, securitizations, or uses of the instrument : The original promissory note bearing an original wet-ink signature and date. Any and all allonges, endorsements, assignments, or attachments to the original note. Business records that demonstrate the respondent incurred financial detriment and that any alleged benefit was conferred to the requester. A description and supporting accounting records showing how the alleged note was recorded on the respondents books when received : specifically whether it was recorded as a deposit, an asset, inventory, receivable, or otherwise, and the journal entries, ledger postings, or ledgers reflecting that recording.…

I am writing to file a complaint against American Education Services ( AES ), the servicer for my XXXX student loans through XXXX XXXX XXXX, regarding a payment that does not appear to have been correctly applied and a delinquency on my account that I do not believe is accurate. BACKGROUND I have XXXX loans serviced by AES under XXXX account, with a monthly due date of the XXXX. In XX/XX/year>, I experienced a financial hardship and enrolled in an interest-only repayment plan, which brought my total monthly payment down to {$250.00} : Loan XXXX ( larger balance ) : $ XXXX Loan XXXX ( smaller balance ) : $ XXXX I had XXXX XXXX ( AES 's automatic payment system ) XXXX up on Loan XXXX. When I enrolled in the interest-only plan in XXXX, I believed I had canceled it. I've since come to understand it was only a temporary suspension likely a miscommunication on either end, which I have accepted. My concern is with what happened after.…

I am being billed by two different student loan servicers for the same underlying federal student loans after a Direct Consolidation. Those servicers are American Education Services ( AES ) and XXXX. On XX/XX/year>, I submitted a Direct Consolidation application. At that time, the loans were still being handled by XXXX after my XXXX XXXX XXXX discharge. On XX/XX/year>, AES began treating the prior XXXX Consolidation loans as In Repayment and demanding payment. The balances on those AES-serviced XXXX Consolidation loans were approximately {$81000.00} and {$110000.00}. My Direct Consolidation was later completed, and XXXX became the servicer of the new Direct Consolidation loans. The new Direct Consolidation balances are approximately {$81000.00} and {$110000.00}. These are the same underlying loans as the prior XXXX Consolidation loans, with the small difference apparently due to payoff interest or capitalization.…

Complaint Narrative XXXX XXXX XXXX Refund NonCompliance & Contradictory Federal Records I am filing a complaint regarding the failure of American Education Services ( AES ) and the Pennsylvania Higher Education Assistance Agency ( PHEAA ) to process my XXXX XXXX XXXX refund by the federally mandated deadline of XX/XX/XXXX, as well as the contradictory and inconsistent statements provided by AES, PHEAA, the U.S. Department of Education ( DOE ), and XXXX regarding my loan type, payment history, and refund eligibility. Despite a Borrower Defense approval issued by the Department of Education on XX/XX/XXXX, AES confirmed on XX/XX/XXXX that my XXXX XXXX XXXX refund was not processed by the required deadline. Multiple agencies have since provided conflicting information, creating a circular loop with no resolution and preventing me from receiving the refund I am legally entitled to under the settlement. I. Background Borrower Defense Approval On XX/XX/XXXX, the U.S.…

In year XXXX, within a XXXX period beginning XX/XX/XXXX, my XXXX loans went from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX AES. I was repeatedly communicating with all lenders in trying to find out what was going on with my loans. I was always referred to PHEAA as the guarantor. AES/PHEAA are who I would call regarding the wrongful loan consolidation that was processed without my signature and no information regarding the detail breakdown of the loans being consolidated were disclosed nor included on the any of the consolidation forms. I repeatedly asked AES/PHEAA how can a consolidation be authorized and processed with forms completely left blank of all parties involved.…

My student loan is being reported by both AES and PHEAA with incorrect personal information. I can not access the account due to a name error, yet both entities are negatively reporting it. This appears to be duplicate and inaccurate reporting, causing significant credit harm. Previously, I made a dispute through credit bureaus that confirms the errors. I request immediate deletion or correction under the Fair Credit Reporting Act.

There are very serious issues I have been experiencing with Pennsylvania Higher Education Assistance Agency, PHEAA as a guarantor that have gone unresolved since XXXX. I have made countless attempts to correct and resolve them with PHEAA. They are as follows ; PHEAA is reporting delinquency and trying to collect on a loan that has been confirmed cancelled and all funds were returned. Verification is attached showing Higher Education Services Corporation, Dept. of Education and XXXX XXXX have all confirmed cancellation of this loan numerous times. All documentation has been repeatedly sent into PHEAA verifying cancellation of this loan totaling {$4000.00} and date. Why is cancellation of loan amount still being included in overall owed amount on my balance? Second issue, multiple loans amounts are incorrect and different from what I initially borrowed and agreed upon.…

I filed XXXX. XXXX bankruptcy in XXXX and received a discharge on XX/XX/XXXX. The loan was listed in my bankruptcy and should have been discharged. Despite this, the servicer has continued to collect payments from me after discharge. I have paid substantial amounts since XXXX. I have reason to believe this loan does not qualify as a " qualified education loan '' under 11 USC 523 ( a ) ( 8 ) and should not have survived discharge. I contacted the company and requested documentation, including the promissory note and evidence that this loan qualifies as a qualified education loan as well as the basis for continued collection post discharge. I have not received a response. I am requesting the company : 1 - Cease collection activity 2 - Correct the account to reflect a XXXX balance 3 - Review and refund payments collected after discharge They have stopped collection as of XX/XX/XXXX, but the loan is still on my credit report showing a balance.

I am writing to file a complaint against American Education Services ( AES ) regarding the reporting of my student loan account ( Lender : XXXX ) on my credit report. This account had never previously appeared on my credit report at any point. On or around XX/XX/year>, the account suddenly appeared for the first time reporting a 90-day delinquency. Notably, no 30-day or 60-day late payment was ever reported prior to this the account went from completely absent on my credit report to showing a 90-day delinquency overnight with no prior warning or graduated reporting. Upon discovering this on XX/XX/year>, I immediately paid the outstanding balance in full the same day and set up automatic payments to prevent any future issues. The delinquency was the result of an inadvertent oversight I was unaware the account had become delinquent as it had never appeared on my credit report previously.…

I am filing this complaint regarding my student loan with XXXX, which is serviced by American Education Services. This issue has been ongoing for several months, and despite multiple good-faith attempts to resolve it through both companies, I have not received any meaningful resolution. Instead, I have been repeatedly redirected between the lender and the servicer without accountability, while my account continues to be negatively affected. I have made consistent efforts to remain current on my loan. I had automatic payments set up and attempted to actively manage my account. However, I experienced repeated access issues with the loan system, including being unable to log in and having to recreate my account multiple times. These system failures made it difficult to verify, manage, and ensure my payments were properly processed. Despite these issues, my account was marked as delinquent and late fees were assessed.…

I am submitting this formal complaint regarding two private student loans originated in XXXX in connection with my attendance at the XXXX XXXX XXXX XXXX XXXX. These loans were facilitated through applications provided by the institution and issued by XXXX XXXX, and they are currently serviced by American Education Services. At the time I applied, I relied on the schools financial guidance and was not meaningfully informed of federal student loan options or the long-term risks associated with private loans. I now understand that such arrangements have been subject to legal scrutiny regarding whether students were steered into high-cost private loans without adequate disclosure or informed consent. I borrowed a total of {$71000.00}. Since that time, I have made consistent and good-faith payments totaling over {$100000.00}. Despite this, I am being told I still owe {$26000.00}, with an interest rate currently at 8.14 %.…

Is this fraud and extortion meant to persuade me by ensuring my poverty andhomelessness with my XXXX? No, I am not in " default ''. I am a two-time recipient of Borrower Defense to universitymisconduct, and, as documented and reported, the misconduct persists to this day. This is hardcore fraud on the part of PHEAA, and PHEAA doesn't seem to mind. The US Department of Education is accomplice. Numerous Cease and Desist Orders issued. The fraud and harassment continue. This is the " credit score '' attached to my identity theft and Borrower Defense to academic misconduct, and I take zero responsibility for this fraud, so these frauds can stop disrupting and exploiting my uncompensated time at my age and skill level with these invasions of my privacy predatorily generating revenue from my identity. I never agreed to any such terms and conditions.…

I am a class member of a federal student loan misconduct settlement. I have already received a full federal discharge and a cash refund from the U.S. Treasury for my enrollment at a school federally recognized for fraud. Despite this federal recognition, my private loan servicer continues to collect on a debt originated for that same fraudulent enrollment. On XX/XX/year>, I submitted a formal Misconduct Discharge application to the servicer. They have failed to acknowledge receipt or process this application, which I believe is a violation of the XX/XX/year>, CFPB Enforcement Action regarding the mishandling of discharged student debt. To date, I have paid a total of {$66000.00} on an original loan of approximately $ XXXXrepresenting a 242 % repaymentyet the servicer still claims a balance of over {$22000.00}. Under the FTC Holder Rule, I am entitled to a full discharge of the remaining balance and total restitution of all payments made on this fraudulent contract.…

I am submitting this complaint regarding the improper denial of XXXX XXXX XXXX XXXX ( XXXX ) benefits by my student loan servicer. Despite providing official documentation of my XXXX XXXX XXXX under XXXX XXXX XXXX exceeding XXXX consecutive days, as well as prior XXXX XXXX XXXX orders, my request for the 6 % interest rate cap was denied on the basis that I was not federally activated under qualifying conditions. This determination fails to account for Texas Government Code 437.213, which explicitly extends full XXXX protectionsincluding the interest rate capto members of the Texas XXXX XXXX serving on state or XXXX XXXX XXXX XXXX. My legal representative formally notified the lender that Texas law provides a broader definition of qualifying military service and that I meet the criteria for XXXXequivalent protections under state law.…

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.…

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.…

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 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.…

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 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 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…