Consumer complaint received 2018-08-13
Company: AES/PHEAA
State: MD
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:
XXXX XXXX ( hereinafter, XXXX ) admits : ( i ) my six student loans are repaid under the Standard Loan Repayment Plan, 120 months fixed-equal payments/ {$1000.00} per month-one consolidated monthly payment for all 6   loans, to paid-in-full ; ( ii ) receipt ( to date, XX/XX/XXXX ) of 78/120 months six student loans ' timely, uninterrupted, payments per Standard Loan Repayment Plan ; ( iii ) Standard Repayment Plan exists unchanged from my/borrowers repayment start date of XX/XX/XXXX. 

A. XXXX FRAUDULENT CREDIT REPORTING : In breach of Master Promissory Notes ( hereinafter, MPNs ) contracts and de facto violation of federal- and state law, via XXXX , XXXX XXXX and XXXX , XXXX XXXX : ( i ) extends said six loans repayment from 42/120 months to 130-145 additional months repayment ( Terms Duration ), i.e. about {$110000.00} fictitious credit-reported student loan debt I do not owe ; ( ii ) reports nonexistent/fictitious Forbearance with contrary-to-admitted-fact : nonpayment for about 12 months ; ( iii ) omits numerous payments XXXX expressly admits via US mail signature receipt and electronic payment to PHEAA-XXXX via bank statements are timely received and in-full-amount ; ( iv ) misallocates payments, resulting in coincident under-/over-payment among 6 loans ; ( v ) XXXX credit-reported as in repayment XX/XX/XXXX-XX/XX/XXXX a seventh loan for {$20000.00}, never disbursed to me/cancelled, XX/XX/XXXX/balance XXXX. ( See Consumer Financial Protection Bureau, CFPB, -portal complaints : XXXX [ XX/XX/XXXX ] and XXXX [ XX/XX/XXXX ]. ) B. XXXX KNOWING INSERTION OF FRAUDULENT DATA INTO NSLDS : In apparent retaliation for my previous CFPB-portal complaints ( herein noted ) XXXX knowingly inserted erroneous information re my seven federal student loans within the XXXX XXXX XXXX XXXX XXXX ( hereinafter, NSLDS ) : ( i ) showing two repayment start dates, one, valid/actual repayment start date, XX/XX/XXXX ; plus a second, fictitious-contrary-to-fact start date, XX/XX/XXXX for every one of the six loans in repayment ; and ( ii ) inserting a second-fictitious later cancellation date for the {$20000.00} loan-never disbursed to me : one, under Status Effective Date, valid cancellation date of XX/XX/XXXX ; plus, a second, fictitious/lie-extortionate Canceled Date XX/XX/XXXX ; while coincidentally revising Outstanding Principal Balance [ {$0.00} ] As of XX/XX/XXXX, not the actual cancellation date of XX/XX/XXXX. By fraudulently extending the reported time period before the never-disbursed-loan was cancelled ( XXXX inserting a second fraudulent later contradictory loan cancellation date ) and in fraud extending the time period before the loan balance became zero, a loan admittedly never disbursed to me/no money disbursed to me is deliberately hereby said lies/nonfactual data insertion a plausible legal liability for XXXX extortion of me/borrower. 

C. REMEDY REQUESTED : XXXX LIES/ERRONEOUS/UNLAWFUL DATA BE CORRECTED IN ALL CREDIT REPORTS AND NSLDS WITH PROOF OF EVERY CORRECTION PROVIDED ME VIA US MAIL WITHIN 10 ( TEN ) BUSINESS DAYS OF THIS COMPLAINT. 
As shown by the dates of the numerous prior written complaints I have filed with CFPB and other organizations reporting student loan servicers willful malfeasance/extortion, to date my complaints have been both repeatedly ignored by XXXX and/or in retaliation, more harmful and untruthful data were inserted by XXXX into credit reports and NSLDS following each complaint. Both Credit Reports and NSLDS are used by diverse private- and federal organizations to determine eligibility for employment ; for loans grant/denial, loans interest rates, loan terms-favorable/unfavorable ; security clearance/security clearance denial ; professional reputation ; and much more profoundly impacting every aspect of the college graduate-professionals life and livelihood. Via all administrative procedures available to me, I have tried repeatedly to clearly and to carefully define the issues of XXXX willful extortion, XXXX using clearly fictitious/contrary-to-fact student loan reporting, in unquestionable violation of both federal- and state law. By phone, I have talked within the past week to XXXX employees ( XXXX ) : ( i ) XX/XX/XXXX : XXXX XXXX, XXXX ( XXXX employee ID, XXXX ), XXXX XXXX transferred to XXXX ( -employee ID, XXXX ), transferred to XXXX ( -employee ID, XXXX ), call ended about XXXX XXXX  ; ( ii ) XX/XX/XXXX XXXX XXXX, XXXX ( employee ID, XXXX ), transferred to XXXX ( -employee ID, XXXX ). Lies described herein perpetrated by XXXX only can reasonably be interpreted as knowing and willful to extort more student loan money from me than was owed under law, because of the need to protect my professional reputation, ability to work, and have reasonable access to credit. If the corrections-remedy requested of XXXX, Credit Reporting Agencies, NSLDS, Department of Education and others fails yet again, I will have no option but promptly to bring these issues to federal court. All available administrative remedies have long been exhausted, leaving me no choice but federal litigation to protect my reputation, profession, and ability to live.

Company response to consumer: Closed with non-monetary relief