National Collegiate Trust is a trust only but American Education Services claims they are my lender which is an untrue statement. It is illegal for any company to knowlingly misled a customer, I spoke with XXXX a supervisor at XXXX XXXX XXXX and he advised me that National Collegiate Trust does not make any decisions on the loan plus since American Education is the one reporting to the credit bureau, they can remove any negative items because I was told by numerous reps that is up to National Collegiate Trust to remove any negative items. XXXX advised me which I did record that call in this entirety because an attorney advised me to record calls as proof of American Education Services being dishonest in their dealings and I have contacted the board members for XXXX to get this matter resolved once for all. American Education Services has over XXXX complaints due to them giving misinformation, all credit marks will need to remove by law because National Collegiate Trust is not a lender and does not make any decisions per XXXX. He states American Education Services is well aware of that so he is not sure why they are telling me to fax a letter to them so they send it to NCT. Per the consumer attorneys I spoke with in XXXX and XXXX what AES is doing is unethical, you ca n't tell someone a person is a lender on your account when they are not. They are not a lender, they hold of all of the loans in a trust. This information was verified by XXXX and they kept repeating that NCT is only a trust, AES ca n't change the terms of the loans but they can remove negative reporting because they are the ones sending this information to the credit bureaus not NCT ( NCT owns the debt but that 's it ). I also would like to see proof that NCT still owns this debt as of today. If AES causes me to lost my job, then I will file bankruptcy because I wo n't have enough money to make any more payments. I have several recorded calls from AES, XXXX XXXX will claim otherwise but she will need to prove me wrong. She does not know anything because her answers to the complaints presented are generic at best, clearly not listening to any calls because all of the employees should be fired. I do not have any credit marks from any other companies because I can get accurate information from them. By the way, I also recorded the day I made a payment on XXXX/XXXX/15 and the automatic system is always wrong which I told a supervisor numerous times because it states my past due was {$500.00} which is incorrect my past due was {$390.00}, I also recorded that call and she acknowledged the automated system is wrong and I have it recorded as proof therefore any and all credit reporting should be deleted to AES misinformation is illegal. I HAVE IT RECORDED ON MY CELL PHONE AS PROOF THEREFORE NCT/AES WILL HAVE TO REMOVE ALL OF THE NEGATIVE CREDIT REPORTING BECAUSE ITS THE LAW UNDER THE FAIR CREDIT REPORTING ACT ( fcra ). I have complained to XXXX board members of XXXX/AES who I have spoken with today because I refuse to play AES stupid games. AES should be shut down and I will write a letter to every board member to make sure they upset this. I want my loans moved to another servicer because AES is a horrible servicer and I hope that the FTC and the CFPB step in because people should be able to get accurate answers from their servicer. AES and XXXX XXXX totally suck. AES 's automated system tries to make you pay more than you need to which is totally illegal. Because of AES 's credit reporting, I ca n't consolidate my private loans ( private loan are credit based so you need a very good score to get a lower rate ) with XXXX company so I can have a lower payment which will work better with my overall budget.