Consumer complaint received 2017-07-09
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I called them and filled the correct forms. They have used my account information and ruined my credit. They have made it impossible for me to live. I am homeless and have communicated with them countless times and this is making it harder for me to make money. They have told me that I have a year before any payments are due so that I have time to get situatied and stabilized. Recently without a warning they charged {$1100.00} to one of my loan accounts and expect me to make a {$500.00} payment within a week. I am homeless and have to no place to live and have been working to save money so that I can have a home and repay my loans. I have submitted the paperwork they required and it was accepted. Now they are asking for more paper work. I have been busy trying to XXXX XXXX XXXX. They have tied my hands and not allowed me to afford a place to live. After expenses I am not making a living through my XXXX just yet. I am trying to figure out a way that I can pay them back. They have illegally used my bank account information from my XXXX to find out how much I have which is not considered income as I need the money to run my XXXX. A charge like this will put me out of XXXX and then I will have no way of repaying. They have been picking on me and working against me while I 'm at work trying to save money so that I do n't freeze to XXXX over the winter. I did not want to go to school in the first place and they forced me to take out loans that I did not want to take thereby forcing me to continue school and get deeper into debt while helping others around me just because they know their parents. Then they would not let me pass and made me struggle more than the other students. They have discriminated against me and forced me into debt so that they could get as much money out of me as possible. They pushed their loans on me into taking the max amount of classes so that I would n't have time for a job. This put me into debt without offering a way of repaying. They distracted me with lessons that got me nowhere in life and forced me into doing their work thereby keeping me distracted from earning an income so that they could collect interest. All because I 'm different and on my own. I did not want to continue going to school and putting myself into debt but I had no choice as I did not have a job or have time to find one. They are taking advantage of people and not offering anything real in return. Shoved their money in my pocket and forced me into a desk so they could fail me just enough to keep me in school but not allow me to look employable. So that they can have a home and family and make me homeless and working hard to be homeless. This is greed and it does nothing good for society. Whoever is responsible for this must be stopped and put in jail. Taking advantage of kids and homeless people so that they can live luxury lifestyles is immoral, unethical, and unrightous. These people need to be brought to justice.

Company response to consumer: Closed with non-monetary relief