Consumer complaint received 2018-04-20
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AES/PHEAA (CA)

We are resubmitting a new complaint as we failed to catch the deadline on XX/XX/XXXX, to react to the company response ( XXXX XXXX XXXX XXXX XXXX ), for case # XXXX. We did not have enough time to contact American Education Services, because of the voluminous documents that we have researched for all our private student loans. These private students loan were loaned from : XXXX XXXX XXXX XXXX/XXXX XXXX Loan-2 private student loans, XXXX-loan Seq # XXXX, disbursed,XX/XX/XXXX and XXXX Loan seq # XXXX, disbursed XX/XX/XXXX, Private student loan with XXXX XXXX XXXX , and Private student loan with XXXX XXXX, and XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX . Of all these 5 private student loans, the one private student loan with XXXX XXXX XXXX XXXX, serviced by XXXX XXXX XXXX XXXX XXXX, loan seq # XXXX, disbursed inXX/XX/XXXX is the one that make us in the brink of despair because we are already getting sick and the amount we owe have already balloon to {$62000.00} because of the 10 % interest accruing to the loan, our payment of {$150.00} to XXXX  is not in anyway, helping us be relieved of this cursed throughout our life. We have no big problem with our other private student loans not owned by XXXX XXXX XXXX XXXX. Because the Bank/loan owner has helped us be able to pay back our student loan, based on our capacity to pay, in the amount of {$150.00} each month for each individual student loan. We are contacting American Education Services because AES was responsible for the inaccuracy and erroneous recording and reporting of all of our private student loans payment. AES should not have declared the loan seq # XXXX, disbursed in XX/XX/XXXX, serviced by XXXX XXXX XXXX XXXX XXXX, delinquent and charged-off during those period Year XX/XX/XXXXto XX/XX/XXXX, because we have been paying this loan, it was the error and mistake of AES to include our payment to the other XXXX student loan, disbursed on XX/XX/XXXX, the two loan payment was put it into one payment under loan Seq # XXXX, so, loan seq. # XXXX, did not had any recorded payment in the book of AES and XXXX. But altogether, XXXX XXXX XXXX XXXX   received all the monies but only recorded to one loan, with loan disbursed on XX/XX/XXXX. So, we are requesting the corporate office of AES to correct and rectify their error. Because we can not afford to pay a big amount, of money to XXXX because all our salaries are already obligated to the 5 student loans every month, including our food money and payment to our bills are most of the time delayed and unpaid, because our source of cash advances, our credit card are already max out for the last 8 years, but inspite of it we are still honoring and paying all our student loans. Because of AES huge mistakes, we have been financially stricken and it is very sad, that inspite of our trying hard to settle our student loan obligation, we are still in Court default judgment with XXXX. We do not know until when we can survive with our predicament. The first time, I learned about this default judgment is when my employer handed me the copy of the salary garnishment, at that time, I could have filed a case, but we can not afford a lawyer. So, now, we are just hoping and depending for your help that we could be rescued and alleviated from this severe student loan payment problem.