Consumer complaint received 2021-05-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

XX/XX/XXXX. Judge XXXX XXXX XXXX of the United States Bankruptcy Court, District of Minnesota ; signed 5 orders disallowing claim for further payment on my private student loans, through a company called AES ( PHEAA ) American Education Services. These 5 claimes are for each lender that AES " claimed '' to have ownership of my loans. The 1 original company that had ownership was called XXXX. XXXX went bankrupt and closed in XXXX XXXX AES refused to acknowledge this Bankruptcy and closure of XXXX  and continued to request payments and harrass me. They changed my privacy policy to list a subsidiary company of XXXX known as XXXX XXXX XXXX llc. as the new lender. This was after I informed them of the closure. They told me that they needed to be informed by XXXX of their closure in order to do anything about it. AES continued to charge me until I went into Bankruptcy XX/XX/XXXX. Before this AES attempted to tell me that XXXX XXXX was my new lender. XXXX XXXX denied being my lender. They claimed to be the lender for a trust portfolio of only 1 % of the total loan. However, in XXXX XXXX XXXX cut business ties to AES to to fraudulent activities on AES side. AES was and still claims that XXXX XXXX is a lender. They also changed my privacy policy AGAIN after this happened. AES also has XXXX XXXX listed on my credit report as a current lender. XXXX XXXX  has no record of my accounts. Every company that AES has claimed as a lender has been given an order to disallow claim. I have filed multiple claims with the credit Bureaus, and each time they dismiss my claims by allowing AES to not show any documents or proof that XXXX, XXXX XXXX, XXXX, and now XXXX XXXX XXXX XXXX has my loans. XXXX and XXXX no longer exist, XXXX XXXX  has no record of my accounts as of current. They opened the loans in XXXX and immediately sold to XXXX. XXXX XXXX XXXX  XXXX  was designated as soon as I filed for bankruptcy and AES was privy to me fitting to discharge my loans. XXXX, XXXX, XXXX  wont take anymore disputes. There is always an error that happens that im informed of. AES has also said they refuse to comply with the court order. They said that the claims have to show extreme financial hardship. Last time I checked the only way to have student loans discharged in Bankruptcy is to prove just that very thing. That is how I have 5 orders. Because I infact am experiencing an extreme financial hardship. I have also filed a Complaint with Minnesota Attorney Generals office. With that complaint AES is under investigation for these issues. AES refuses to comply with court orders. AES continued to charge me and collect money from me during my past bankruptcy that started in XXXX to XXXX. I requested that money be refunded to me considering that they couldn't and still can not tell me where that money was going. It totaled approximately {$5200.00} I was told throughout 30 days that the 11 checks had been sent, when in fact they were sitting on the desk of management. He told me he never had any intentions of mailing, and infact tore them up. He also refused and they still refuse to correct my credit report. They have incorrect companies listed as lenders. AES is also aware that the accounts they have were opened fraudulently. They told me to file a police report. When I did, the XXXX California police department refused/could n't to file a report on an entity that no longer existed. This was in regards to XXXX. AES refused to acknowledge or help without a police report, even though they knew XXXX was closed. They were aware that XXXX was involved in a class action lawsuit for fraud and closed. They refuse to acknowledge anything.