Consumer complaint received 2018-04-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

My answer to ( XXXX XXXX ) letter from XXXX  XXXX dated XX/XX/XXXX XXXX XXXX and AES are not Federal Loan providers I know this because a North Carolina Attorney provided me with that information. The listing below is a statement from AESs own web site. 
The monthly installment amount remains the same throughout repayment. 
Consolidation. Make sure your student loans are right for you if you are having trouble making your monthly payment then consolidation may be the right option for you. Federal loan allows you to combine one or more existing student loans into a single new loan. 

A letter Dated XX/XX/XXXX presented to The Honorable XXXX XXXX Member. U.S. House of Representatives from Federal Student Aid an office of the U.S. Department of Education stipulates that XXXX XXXX student loans are no longer in the jurisdiction of the Federal Government. North Carolinas XXXX district Congressmen signed off on the XXXX XXXX Student loan investigation stating it was no longer a Federal Government Matter. 

A North Carolina Lawyer, a North Carolina Congressman, and American Education Services own statement clearly points out that the Promissory Note XXXX XXXX entered into must have the same payment throughout the loan. Could it be That XXXX XXXX XXXX Vice President Client Advocacy Management Office assessment of Federal Law be correct and the Correspondence of a NC Lawyer and a distinguished NC Congressman be wrong? Or is it possible that XXXX XXXX Has the intention of trying to scare me XXXX XXXX into payment of student loans that have proceeded in an unlawful manner. From a legal viewpoint XXXX XXXX through its representative XXXX XXXX XXXX is not only refusing to abide by North Carolina lending laws, XXXX XXXX is now falsely or unknowingly presenting XXXX XXXX XXXX as a Federal Student loan agency though its administrator AES. 

One of the things NC XXXX District Congressman XXXX XXXX office explained to me was unless a Federal Law has been broken there is nothing we can do to help. I am told that from a legal standpoint that XXXX XXXX letter dated XX/XX/XXXX implies that XXXX  XXXX a private loan institution is going far beyond legal lending practices by stating that through AES they have the same legal jurisdiction as the federal Government. Unless XXXX  XXXX and AES can come up with concrete documentation issued by the Federal Government stating that they have Federal Student Loan lending rights then it seems oblivious XXXX XXXX and AES are braking federal law. The federal law listed below has been violated and it opens up the door for a Congressional investigation. 

Whoever falsely assumes or pretends to be an officer or employee acting under the authority of the United States or any department, agency or officer thereof, and acts as such, or in such pretended character demands or obtains any money, paper, document, or thing of value, shall be fined under this title or imprisoned not more than three years, or both. 

American Education Services ( AES ) was established by the Pennsylvania Higher Education Assistance Agency ( PHEAA ) to guarantee and service a variety of Federal Family Education Loan Program ( FFELP ) and private ( alternative ) student loan products for our lending partners throughout the nation. 
My student loans ( XXXX XXXX ) student loans placed into one loan payment is a private alternative loan and not a Federal Student Loan. 

Now lets look at some facts about American Education Services. One of my legal counsel advisers received a data profile of American Educations Services from XXXX XXXX XXXX XXXX XXXX XXXX. 
The report reveals that American Educations Services is a private company located at XXXX XXXX  XXXX XXXX in XXXX, Pa XXXX United States Founded in XX/XX/XXXX. 

The data profile report is explicit it lists the names of the XXXX XXXX for American Education Services. The report includes phone numbers and a Fax number. I am not going to list a companys private phone numbers in this complaint, nor am I going to reveal the names of all of XXXX XXXX XXXX Executives. 

CFPB because myself ( XXXX XXXX ) and my legal advisors believe the time has arrived to report the illegal infractions of XXXX  XXXX & AES to someone in an excitative position at American Education Services. Therefore, I respectively request that CFPB send the above complain and my complete complaint file to the ATTENTION of AESs XXXX XXXX XXXX Senior Vice President of Client Relations, and Loan Operations. And XXXX  XXXX needs to be aware of these proceedings. 

Respectively Yours XXXX XXXX XXXX XXXX