Consumer complaint received 2015-11-02
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
This is in relation to an already submitted request, [ Case number : XXXX ]. 
I noticed that the interest I was charged this month was severely decreased to XXXX. 

XX/XX/XXXX, I made a payment two payments : one of {$830.00} - {$210.00} went to interest and {$610.00} went to the principal - and one of {$500.00} -- half went to the principal and half went to interest. I included past payment history for you to see the extremely high amounts of interest I was paying even though I have a good credit score, pay on time, and am way ahead of payments -- no payment is due at this time, but I continue to make monthly payments. I can provide this information in a different format if that is easier for you. 

I would like to request that past payments on this account be reviewed to ensure that the same fair interest rate that I received XX/XX/XXXX applies. Again, I have good credit, make payments monthly, and am way ahead of my payments as no money is due from me at this time. I am saving for a home and I think I should not have to pay crazy high interest rates while I 'm paying my loans back responsibly. 

Thanks for all your help! 



Loan DetailsPayment Date Payment Type Amount Balance ActionXX/XX/XXXX Borrower Payment {$500.00} $ XXXXThis payment was applied to the following loans : Disb. Date Loan Type Principal Interest Late FeeTotals : {$430.00} {$63.00} $ XXXXXX/XX/XXXX XXXX {$430.00} {$63.00} $ 0.00XX/XX/XXXX Borrower Payment {$830.00} $ XXXXThis payment was applied to the following loans : Disb. Date Loan Type Principal Interest Late FeeTotals : {$610.00} {$210.00} $ XXXXXX/XX/XXXX ALPLN {$610.00} {$210.00} $ XXXXXX/XX/XXXX Borrower Payment {$500.00} $ XXXXThis payment was applied to the following loans : Disb. Date Loan Type Principal Interest Late FeeTotals : {$290.00} {$200.00} $ XXXXXX/XX/XXXX XXXX {$290.00} {$200.00} $ XXXXXX/XX/XXXX Borrower Payment {$500.00} $ XXXXThis payment was applied to the following loans : Disb. Date Loan Type Principal Interest Late FeeTotals : {$100.00} {$390.00} $ XXXXXXXX XXXX {$100.00} {$390.00} $ XXXXXX/XX/XXXX Borrower Payment {$260.00} $ XXXXThis payment was applied to the following loans : Disb. Date Loan Type Principal Interest Late FeeTotals : {$0.00} {$260.00} $ XXXXXX/XX/XXXX XXXX {$0.00} {$260.00} $ XXXXXX/XX/XXXX Borrower Payment {$500.00} $ XXXXThis payment was applied to the following loans : Disb. Date Loan Type Principal Interest Late FeeTotals : {$200.00} {$290.00} $ XXXXXX/XX/XXXX XXXX {$200.00} {$290.00} $ XXXXXX/XX/XXXX Borrower Payment {$500.00} $ XXXXThis payment was applied to the following loans : Disb. Date Loan Type Principal Interest Late FeeTotals : {$140.00} {$350.00} $ XXXXXX/XX/XXXX XXXX {$140.00} {$350.00} $ XXXXXX/XX/XXXX Borrower Payment {$3700.00} $ XXXXThis payment was applied to the following loans : Disb. Date Loan Type Principal Interest Late FeeTotals : {$3500.00} {$230.00} $ XXXXXX/XX/XXXX XXXX {$3500.00} {$230.00} $ XXXXXX/XX/XXXX Borrower Payment {$500.00} $ XXXXThis payment was applied to the following loans : Disb. Date Loan Type Principal Interest Late FeeTotals : {$210.00} {$280.00} $ XXXXXX/XX/XXXX XXXX {$210.00} {$280.00} $ XXXXXX/XX/XXXX Borrower Payment {$370.00} $ XXXXThis payment was applied to the following loans : Disb. Date Loan Type Principal Interest Late FeeTotals : {$60.00} {$310.00} $ XXXXXX/XX/XXXX XXXX {$60.00} {$310.00} $ XXXX Borrower Payment {$370.00} XXXX XXXX payment was applied to the following loans : Disb. Date Loan Type Principal Interest Late FeeTotals : {$60.00} {$310.00} $ XXXXXX/XX/XXXX XXXX {$60.00} {$310.00} $ XXXX Borrower Payment {$370.00} $ XXXXThis payment was applied to the following loans : Disb. Date Loan Type Principal Interest Late FeeTotals : {$69.00} {$300.00} {$0.00}

Company response to consumer: Closed with explanation