Consumer complaint received 2023-03-24
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX American Education Services Complaint Action Required : Background of Complaint : In XXXX I entered into a private student loan with American Education Services out of XXXX , while living in California , for the record the education loan was for my daughter. Per my student loan terms with AES/NCT I repayed the student loan for the minor. Without default, I paid this loan for a duration of 14 years prior to my lay-off and hardship experience during Covid-19 dated XXXXXXXX XXXX  XXXX, I was direcly impacted economically and applied for Unemployment therafter. I contacted legal-aid to discuss the commencement of a XXXX XXXX  as my funds had been exhausted and I forecasted not being able to have a means of earnings to pay for prior Creditors without being terribly in arrears. I started my Texas XXXX XXXX proceedings XX/XX/XXXX in my county of residence, with my Trustee assigned to me I worked compliantly to provide the lengthy steps and was issued by the XXXX XXXX XXXX Texas - XXXX XXXX a case number. I followed the steps assigned and I continued to make payments as Trustee requested until a formal letter was sent by the Court to all my Creditors including AES/NCT ( American Education Services/National Collegiate Trust ) for which my complaint is set forth to cease and desist. During my bankruptcy case prior to discharge all Creditors were afforded two separate meetings to show up to deny any reason that in this bankruptcy case of hardship the remaining $ XXXX on the loan could not be written off. AES/NCT both of these organizations did not appear in either of the two meetings for Creditors to express concerns for not clearing this hardship debt nor did they reply to the Filing Deadline by XX/XX/XXXX to assert that I was not entitled to receive a discharge and motion that this discharge for the remaining loan be denied. The US Bankruptcy Trustee entered a final order of all debt discharge on XX/XX/XXXX and my case was discharged succesfully. It is now XX/XX/XXXX and I have had AESXXXX issue a lawsuit in the court of XXXX XXXX , PA ( prior county I lived in during XXXX ) and I am appearing in court to defend myself against this predatory behavior. It should be noted that the Predatory actions of this private loan organization are illegal and this complaint should be followed up with this organization Timeline of Events Leading to XXXX XXXXXXXX XXXX Bankruptcy Discharge. 1. XXXX XXXX Loan for school received ( continued payments through ( XX/XX/XXXX ) 2. XX/XX/XXXX Laid off from sole job during Covid-19 hardships and loss of wages commenced this month 3. XX/XX/XXXX Utilized all savings and made payments on all debtors until destitute and proceedings entered for XXXX XXXX XX/XX/XXXX. 4. XXXX XXXX to XX/XX/XXXX XXXX  XXXX case was active and open all creditors were mailed by the court and Trustee provided Creditors two separate opportunities to present any extenuating reasons why Debtor should be not have any accounts discharged. XXXX. XX/XX/XXXX XXXX XXXX XXXX Discharge for XXXX XXXX - Case Closed As of XX/XX/XXXX NCT - AES dismissed it's case against me in the XXXX XXXX, PA Civil Court my credit report needs to show that this is no longer a collections account and this matter is legally closed as part of an economic hardship Bankruptcy. Please report as such to all three credit bureaus.

Company response to consumer: Closed with explanation