Consumer complaint received 2021-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PR)

Please see the documents included for more specific details. 

Because of my bad previous experience years ago, when a Perkins Loan I had was transferred to the U.S. Department of Education was incorrectly reported as default, past due, delinquent, no matter all the evidence showed that was not true at all, but no matter all the evidence I submitted even using here the C.F.P.B. the fact is that error, or maybe is best to call it horror, was never fixed correctly on my credit report, knowing the catastrophic damage an error like this provokes in anyone credit reports, and this error or horror I experienced was the same problem many thousands of students experienced back then unfairly. 

This time, a mistake, or even a computer or Internet pro hack, or something worse, no matter all the evidence shows is not true, shows a payment I made to my American Education Services XXXX last XX/XX/2021, as to be paid 7 days later, so it appears as past due 3 days, or delinquent, until is fully debited within a couple of days? 

What if something goes wrong and my accounts with AES are reported past due incorrectly to the 3 credit bureaus? I can't allow that to happen again. 

Today is XX/XX/2021, but my record shows I never submit a payment to AES in that manner, but that I always pay to be debited immediately if that was possible in this case it was submitted last XX/XX/2021, to be paid that same day if possible and I submitted hours ago the evidence showing AES that the funds are available in my account waiting for the AES debit since XX/XX/2021 there was no reason for me to let an incorrect date equal to a 7 days delay at all as the included uploaded documents clearly show, including my chat XXXX, from AES Live Chat Customer Service of today just minutes ago, included here also so the C.F.P.B. and AES could see why I am worried. 

The evidence I am accumulating here at the C.F.P.B.is showing a pattern not only showing I document everything with every piece of evidence I find, but also, that the possibility that people with key positions anywhere, could also be sponsoring discriminatory practices against us just because they do not like people who speak XXXX, are described as XXXX, or because we come from an Island they do not recognize no matter we are citizens, they do not care, if others are not citizens makes no difference for them either. 

XXXX, is the only credit bureau sending us surveys in which they recognize this problem, when they ask us several questions about discrimination in their surveys. But, what about the other 2 main credit bureaus? 

Just in case the evidence I uploaded hours ago through the American Education Services website, showing the same I am including here falls in the hands of someone sponsoring discriminatory practices, and simply takes advantage of this mistake to incorrectly report my account as delinquent as mentioned during the chat by XXXX, no matter she apologized several times for this. 

I want to have a clear record here just in case something worse happens again. 

I can't let that happen, no matter their Live Chat Representative XXXX assured me a Supervisor will take a look at my complaint.