Consumer complaint received 2016-08-07
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Due to my undue hardship in XX/XX/XXXX & my efforts made to lessen my debt burdens, which included my Student Loan with the XXXX XXXX XXXX XXXX, I filed a Chapter XXXX Bankruptcy in XXXX XXXX. Legal documentation & evidence that my hardship would cont. for a significant time period was provided to the XXXX XXXX XXXX XXXX XXXX XXXX. And, I had the good faith through making the effort to repay my Student Loan from XX/XX/XXXX thru XX/XX/XXXX. A determination of undue hardship was granted by the U.S. Bankruptcy Court XXXX District of California filed XXXX XXXX, XXXX. My Student Loan debt with XXXX XXXX of {$77000.00} was included included & listed as a creditor. During this time period I made the necessary interest payments on my student loan because, I cont. to receive calls from XXXX XXXX Servicing Center explaining how I can avoid extensive collection action after my Chapter XXXX was satisfied which would include salary attachments, liens, & unable to regain eligibility for any Federal Student Aid. In XXXX XXXX I received my Chapter XXXX Final Decree & Case Summary with a case completion letter from the Trustee. I shared this information with XXXX XXXX Servicing Center with no success obtaining a full Discharge. The interest payments cont. until XX/XX/XXXX. In XXXX XXXX, I received a letter of notification from XXXX XXXX informing me that my, " loans starred ( * ) below '' {$77000.00} had been paid in full because they had been consolidated into a new loan. I was instructed to send all future payments for these loans to the new Student Loan Servicing Center, The XXXX XXXX XXXX Federal Direct Loan Program. I had no knowledge of any signed documents or my approval due to my loan had previously been discharged. The XXXX XXXX XXXX Program Annual Statement listed my Student loan transfer information beginning XXXX XXXX, XXXX and ending XXXX XXXX with a balance of {$0.00}. However, the XXXX XXXX XXXX XXXX listed my transfer balance from XXXX XXXX of {$160000.00} not the original balance listed on my bankruptcy of {$77000.00}. My loan was transferred to the Income Contingent Program while the XXXX XXXX XXXX XXXX investigated my report. However, my loan transferred to AES ( American Education Services ) in XXXX XXXX & my Plan was changed to a XXXX XXXX XXXX without any reference to my Discharge in XX/XX/XXXX. Another transfer to XXXX XXXX Loans in XXXX XXXX thru XXXX & back to AES in XXXX XXXX to present. After sending several faxes, mailings, telephone calls, contacts from AES, I only to cont. to receive information that their XXXX. did not receive any of my documents or they never received any information about my Chapter XXXX Bankruptcy in XXXX, who signed for the documents I sent & that the name I supplied has no reference to AES or anyone within their Dept. I am at a loss. I cont. to receive letters/notification for payment & the requested monthly amt. has increased to over $ XXXX/month regardless of my student loan under investigation within AES 's Bankruptcy Dept. And, the claims Rep. cont. to remind me that I have exhausted all means of forbearance/deffer. Programs at this time.

Company response to consumer: Closed with explanation