Consumer complaint received 2018-10-17
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Facts : I currently have a Total Balance of {$120000.00} for all federal loans. 
Direct Sub Consolidation Loan - {$67000.00} Direct Unsub Consolidation Ln - {$51000.00} I have incurred significant negative amortization on my federal student loans since enrolling in this program. I would not have incurred such negative amortization if I were in enrolled in other payment plans or programs. I am now forced to deal with this scenario and committed ( due to the negative amortization I have incurred ) to following through with Public Service Loan Forgiveness ( PSLF ). This means that calculating my Qualifying Payments Made is essential and critical. My current Qualifying Payments Made is showing zero [ 0 ] qualifying payment made as of XX/XX/XXXX. If this is not resolved reasonably I will be left with only the option of suing, which is a further burden to myself ( never mind trying to locate an attorney who will take my case ). I strongly believe this is malicious and intentional activity on the part of XXXX XXXX to defraud public servants like myself who have enrolled in this program. 

On XX/XX/XXXX I became full-time employed with a state agency of the State of Texas ( that is a qualifying employer for PSLF ). 

XX/XX/XXXX my federal consolidated and unconsolidated loans were transferred to XXXX XXXX. 

XX/XX/XXXX I contacted XXXX XXXX via their upload file communication, and mail. I sent a letter communicating the total number of Qualifying Payments Made is shown as zero [ 0 ]. 

I also called in XX/XX/XXXX and XXXX XXXX indicated they had a copy of my Employment Certification Form ( PSLF ). They said that it would take 90 days to calculate my qualifying payments made. As of XX/XX/XXXX this calculation has not been done. 

XX/XX/XXXX I uploaded and mailed a letter to XXXX XXXX that had a copy of my Employment Certification Form ( PSLF ) signed and dated by my employer 's human resources representative on XX/XX/XXXX. 

On XX/XX/XXXX I notified XXXX XXXX via mail and upload option from my account that my Qualifying Payments Made was still showing zero [ 0 ]. I also let them know if this was not resolved by XX/XX/XXXX I would retain an attorney. 

On XXXX I contacted XXXX XXXX at XXXX, and asked what was taking so long. I was informed that my qualifying payments had not yet been calculated and it would require the representative to submit an inquiry that would take 6 to 12 months to resolve as to why this had occurred or to calculate Qualifying Payments Made going back to XX/XX/XXXX. I let them know that was absurd and asked for their legal department and they said they did not have one. I confirmed the PO Box mailing address and said I'd send my notices to that address. It is absurd that I have to deal with this kind egregious and notorious behavior to deter, or otherwise engage in action that would not document my public service properly.

Company response to consumer: Closed with non-monetary relief