National Collegiate Student Loan Trust is a trust, not a lender like American Education Services claims they are. I spoke with a supervisor named XXXX from XXXX XXXX XXXX and he advised me that American Education Services also owns some of the trust therefore they can delete any credit reporting data they sent to the credit bureaus, I could lose my job over the credit reporting. American Education Services automated phone system gives out incorrect information which I notified them of multiple times but on XXXX/XXXX/XXXX, I recorded my payment call plus I also recorded the call I had with the supervisor. She acknowledged the automated system is incorrect because it tells you owe than you actually do, which is illegal. When I call in to get the payment information, it is often incorrect. What American Education services is doing is committing fraud by knowlingly giving out incorrect information. I recorded multiple calls from their company, the reps are not very knowledgeable about the accounts they have in their office. I no longer want AES as the servicer of my loans because they keep credit reporting me even though they should n't be, all negative credit marks will need to be removed by AES/NCT due to misinformation. I HAVE THE CALLS RECORDED AS PROOF BECAUSE AN ATTORNEY TOLD ME THE ONLY WAY TO GET AES/NCT IS RECORD THEIR CALLS. AES claims I ca n't record their calls, but they are allowed to record my calls. They do n't want anyone recording them because they know they are not doing their job correctly. I have asked National Collegiate Trust to remove the credit reporting in the past but they never do, but I have spoken with a consumer rights attorney named XXXX XXXX in XXXX and he advised me, that the credit reporting needs to be removed because AES is knowlingly giving misinformation to people which has been documented. AES ca n't do whatever they want. NCT owns this debt so it is their responsibility to make AES is following the law which they do n't. I was credit reporting by them also in XXXX and XXXX XXXX plus XXXX XXXX because they misapplied payments or post the payments at a later time which is against the law. I made a payment on XXXX/XXXX/XXXX and it posted on XXXX/XXXX/XXXX ( they did remove those items but they reported me in XXXX XXXX, XXXX XXXX, and now XXXX XXXX ), they reported me 30 days due to that but I have made payments on the weekends before and it was n't an issue. I have controllable XXXX XXXX XXXX and every time I deal with AES, I have a XXXX and one night I had to go the emergency room due to them. National Collegiate Trust is a 3rd party debt buyer which means they have to follow FCRA ( Fair Credit Reporting Act ) and the FDCPA ( Fair Debt Collection Practices Act ), they are penalties for violating those acts. AES is not subjected to the FDCPA but they are subjected to FCRA, and NCT is responsible for AES 's actions. I want to move my loan to another servicer because it is clear AES is a quasi-governmental agency, they fell like they do not have to follow the law. I have contacted several board members for PHEA/AES to get this matter resolved once and for all. National Collegiate Trust also never sent me proof they still own this debt which I asked for numerous times.