Consumer complaint received 2022-08-31
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have received the investigation results regarding alleged student loan accounts in my name, claim number XXXX. However these accounts are false and not mine. I have received the promissory note that you have claimed is mine. However, my name is not signed in wet ink as it is stated by law so this promissory note that you claimed that I signed is not valid. It is a digital promissory note in which my name is not signed in wet ink. In U.S. contract law it states promissory notes and notarized documents, mortgages, deeds of trust, and other collateral documents must be signed in wet ink in order to be valid. Please send me this promissory note that is signed with my signature in wet ink. Also, there were several steps that you skipped in my attached document that MUST be sent to me in order to verify this alleged account is mine and you did not do so. Until ALL STEPS are complete and verified and If I dont have verification in my hands within 30 days to satisfy this request within the requirements of the Fair Debt Collection Practices Act, I will construe your failure to comply as your absolute waiver of any and all claims against me, as well as any claims that FED LOAN SERVICING has against me. Please see attached document for all documents that must be sent to me to verify this account. If you do not have original copies of these alleged accounts and/or documents you say are mine. This is grounds for removal and deletion of these alleged accounts claims against me. I have sent several certified letters in which you have still not complied fully. Please see attached document and complete fully step by step. 




Attached is what the certified letter said if in case you are not able to open it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX SSN : XXXX | XXXX : XX/XX/1990 FED LOAN SERVICING XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Request for student loan information To : FED LOAN SERVICING My name is XXXX XXXX. My date of birth is XX/XX/1990. The last four of My social security number is XXXX. 
You are listed as a student loan servicer or lender on credit reports about me. You have reported various account information data related to the alleged loans concerning me. Note, I do not agree with the various account information that you are reporting about me. 
Assist me in the verification of the alleged student loans you are collecting and your legal status. 
Please send me a copy of all promissory notes of all student loans that you service related to me. 
Please send me a copy of the promissory note for any and all student loans that you originated. Please send me a copy of any assignments of the promissory notes for the related student loans. Please advise me whether you are the loan originator, servicer, and/or debt collector for the loans. 
Until this review is completed, point by point, please inform any and all credit agencies if applicable to which Debt Collector reports, including, but not limited to XXXX, XXXX, and XXXX, that this alleged account is in dispute. 
Please note that any communication between FED LOAN SERVICING or any associates representing an interest in this alleged account on behalf of FED LOAN SERVICING and me, may be documented and/or otherwise recorded for quality control and legal purposes. I look forward to FED LOAN SERVICING prompt response in completing these simple requests and settling this matter. 
If I dont have verification in my hands within 30 days to satisfy this request within the requirements of the Fair Debt Collection Practices Act, I will construe your failure to comply as your absolute waiver of any and all claims against me, as well as any claims that FED LOAN SERVICING has against me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation