Consumer complaint received 2017-10-30
Company: AES/PHEAA
State: NY
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:
The below is a copy of a letter I sent to my loan servicer more than XXXX years ago. It best describes what has happened to me. If you want the supporting documentation, let me know. 

* * * * * * * * * * * * * * * * * XXXX XXXX, XXXX VIA FAX : ( XXXX ) XXXX XXXX Fedloan Servicing XXXX : Review for Payment Tracking, Acct : XXXX To Whom It XXXX Concern : I am writing this letter to advocate that the following XXXX payments I made be counted toward loan forgiveness. 


XXXX through XXXX, XXXX XXXX XXXX payments ) These XXXX payments are not being counted, I am told, because I was on a plan that was not a qualifying plan. Though that appears to be the case, XXXX is well aware that there are thousands of us in this position : We applied for the XXXX XXXX XXXX XXXX XXXX XXXX, and were mistakenly put on a non-qualifying plan by our ( now-defunct ) servicer, unbeknownst to us. I expressed this in detail in my XXXX XXXX, XXXX, letter to Fedloan Servicing, attached for your reference. 

I have attached as documentation : An e-mail chain between me and XXXX XXXX, the Associate XXXX of my law schools XXXX XXXX XXXX, demonstrating that I knew what I was supposed to do and was acting on the correct advice ; and The original Master Promissory Note MPN I signed and filed on XXXX XXXX, XXXX, establishing Income Contingent repayment on my student loans. It bears a confirmation code as follows ; XXXX. 

As XXXX is aware, this is a widespread problem. XXXX, XXXX. : http : XXXX XXXX and XXXX, XXXX ( XXXX payments ) I was just informed via telephone that my XXXX and XXXX XXXX payments are not being counted. I am contesting that with the attached documentation. Until XXXX XXXX, I made my payments online at https : //www.dl.ed.gov/borrower/BorrowerLogin.jsp, which at some point ( but not for very long ) changed to XXXX. 






On XXXX XXXX, XXXX, I received a notice in the mail from XXXX, informing me that they would be taking on the role as my new loan servicer. When I called XXXX, however, they were not yet set up to take my XXXX XXXX payment. I made payment to the XXXX Department of Education. That check was cashed on XXXX XXXX, XXXX. I made my next payment online on XXXX XXXX, XXXX ; the first payment to XXXX. 

I have attached as documentation : My XXXX XXXX, XXXX, letter to XXXX Department of Education explaining that I needed to make a monthly payment, with Check No. XXXX attached in the amount of {$420.00} My bank statement reflecting that Check XXXX. XXXX was cashed on XXXX XXXX, XXXX, which rendered it a timely qualifying payment. 
Proof of my XXXX XXXX, XXXX, to XXXX, online, with a confirmation number as follows : XXXX. 

Both my XXXX and XXXX XXXX payments should be counted. I expressed this in my XXXX XXXX, XXXX, letter to Fedloan Servicing, attached for your reference. For some reason it was not rectified for reasons unclear to me. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief