Consumer complaint received 2020-04-04
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
AES/PHEAA is constantly claiming that I have not reached out to them to resolve the delinquency on my account when I have sent multiple emails over the course of the past few weeks to let them know when the full amount past due would be made. I have instructed them that a payment is not only scheduled for XX/XX/2020, but that I have made multiple statements in multiple emails claiming this. PHEAA has also recently sent a threatening letter to which I actually do feel threatened, and I'm compelled to file a Civil Complaint against AES/PHEAA for unjust treatment and harassment. 

As of XX/XX/2020, I received this in my email ( and this is not the only one ). First off, they are not making any attempt at helping to resolve the delinquent account, so right off the bat that is a falsity. When borrowers or consumers make multiple attempts themselves to let the creditor/lender know when a payment will be made, the creditor/lender is required to oblige by that statement and date. These emails will result in proceeding with a Civil Complaint based on the threatening nature of these emails. It wouldn't be a problem if AES/PHEAA actually acknowledged the countless times I have expressed when the account will be made current. I will repeat, a payment is scheduled in the amount of {$550.00} to be taken out on XX/XX/2020. I'm here to let the Consumer Financial Protection Bureau know though that AES/PHEAA will allow that payment to sit for a whole 24 hours before even sending it to my bank, as has been the case in the past. I feel this is being done in their favor. This also creates a burden for many people, because when they allow that to sit there, it becomes suspect due to interest being allocated on the balance daily. So, in essence, if they're purposely extending the date when they send the payment, that is adding interest to the balance for those days that AES/PHEAA allowed the payment to sit Idle on their watch. I'm also going to see about reaching out to XXXX XXXX to address these problems. I feel there is a lot of corruption going on in the background to which borrowers are not aware. 


Email from AES on XX/XX/2020 at XXXX : Hello XXXX : We've made several attempts to help you resolve your delinquent account. However, your account is still past due. As a result, your account has been reported to the consumer reporting agencies. 

There are options to help you in this situation, but you need to take the first step to clear the delinquency and prevent any further collection activities! If you can make a payment, please do so today. The easiest and fastest way to make a payment is online. 

This isn't the first time AES/PHEAA has been caught with red hands. I'd like to remind everyone that multiple states are suing AES/PHEAA for these types of situations ( see below ). If I were anyone at AES/PHEAA, I'd be seeking out new employment, because this company is clearly hiding something. 

New York sues big U.S. student loan servicer for abusing borrowers XXXX XXXX XXXXXXXX Massachusetts can sue federal student loan servicer, judge rules XXXX XXXX   XXXX I may end up joining one of these XXXX  as well : XXXX XXXX XXXX

Company response to consumer: Closed with explanation