Consumer complaint received 2020-05-20
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
my name is XXXX XXXX, my social security is XXXX, i have XXXX kids, since XXXX i have been on defaulted loan, where becuase of ffact my children were young my children my tax return was like XXXX, and actual income was low, but becuase of the default fact debt collection took this money and not my children so we stayed in low income for 8 years. 
i used to reply saying my tax return is good is more than 10 % of my income, they used to say i should make monthly payment so defaulted loan lasted longer, but also the debt collection were also mean they would say i didnt sign the documents that say congratulation I'm off the defaulted loan etc. which made me stuck with them while i didnt have printer and refused to spend a day in the library, then i professionally got better job and XXXX got me garnished in XXXX and 3 garnishment were on my pay check with garnishment fee of XXXX $ for each garnishment, other than w2 with held by irs and all for debt collection so out of XXXX, my actual income was XXXX and yet 8 garnishment payment did not count as payment to get out of defaulted loan, because they called it involunteerly payment where when i saw the fees i told them i want to pay but once it take place they wont accept other than practice, but later i got fired and signed up for rehab and once i did 9 payments i got signed up to fedloans as if i'm still on defaulted loan which cost more, then i filed identity theft and within two months my loan got reversed back to department of education and they had me to restart loan rehabilitation program again, I tried to tell them many times i did these payments before they signed me up with fedloans but they just refused to listen, so again i did new rehab payments and did 9 payments and i was so excited finally that the 9 payments complete and i would feel how cool to have social security without default loan ( well it stays damage so not that fun ). 
and i had to receive the horrible new event that i got assigned to fedloans, its like after i got reversed from fedloans to departemt of education and stayed with department of education for 9 months doing rehab payments and submit the payment before due date i swear all the payments were submitted before due date just to reflect how much i was taking care of getting out of defaulted loan, department of education sold me again to fedloans and told me because my loan is ugly, its like if my due date was the 9 of each month, my payment was first or second day of the month this is how much i was paying attention to finish the 9 payment for them to loose it and say im not taking care of my loan is very mean to say.its like i did great job paying attention to my loan did all rehab payments. 
other than 3 garnishment were placed on my pay check and w2 with held and all to debt collection other than each garnishment with XXXX $ fee. 
its like all these fees and all this abuse and they tell me im not paying good care of my loan ( its like how much tighter grip can they place on me? ). 
so yes i loved how finally after long years that i got finally treated right when they reversed my loan from fedloans back to department of education and assigned me to rehab program even when i did 9 payments that was abuse but they add to it they went mean and sold me again to fedloans and sold me after i spent 8 months in rehab payments to send me to last year point they are the ones who is against progress not me, ( its like rehab then sold me to fedloans then reverse fedloans to back to departemen of education and do rehab and then sold again to fedloans where i didnt nothing wrong they abused me and i really was very patience when they put me on rehab and refused to get me out of default even after my payments where complete, 1-rehab 2-fedloans 3-back to department of education ( reverse identity theft loan consolidation ) 4-rehab 5-sold me again to fedloans. 

i really want to stay with department of education and determine to do all my payments and i read and contacted many Borrower that are dealing with fedloans and they say its horrible to be with fedloans, its like they add interest rate and accept XXXX payment but their interest rate is XXXX $ and they add it to loan principle next month so its like monthly loan principle goes up with XXXX $ its like its horrible ( its like my loan principle would be double in few years ). 
so yes i was good Borrower paid all my payments on time and department of education signed me and sold me to fedloans without my consent without my approval. 
its like debt collections and loan servicing taking all Borrower money and leave them broken and its horrible practice we went college inorder to make income not to give it to loan servicers. 
gush other than my degree was online degree from XXXX university and yes it was very poor program and i wouldnt recommend it to any body it was slides and the instructor was not on live lecture and it costed same as traditional cost. 
so yes sir i didnt sign or agree to be sold to fedloans, and i was not lazy i did each payment before due date and i demand justice, sadly i like to report department of education customer service ignore us and they know they cant help us becuase selling us is so easy, where it broke many of Borrowers where its hard and i really want to stay with department of education, i dont approve to be sold to fedloans and i was actively taking good care of my loans. 
please reverse my loan, fedloans is night mare plz

Company response to consumer: Closed with explanation