Consumer complaint received 2016-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (PA)

I became a victim of Fraud in XXXX XXXX. During that time, I lived overseas running a my XXXX. I sought to keep my personal credit score high and to get forbearance on all my financial obligations, including my Student Loan, to maintain my fine credit reputation as I had been FORCED into paying back my student loan prematurely due to the fraudulent information provided PHEAA by the recipients of the loan, XXXX XXXX in XXXX XXXX. The loan servicer, AES received regular payments from my checking account since XXXX XXXX ; however due to the FRAUD and the closing of my only US checking account, I was unable to pay my loan and received forbearance. I was calling into AES and was sent correspondence on the conversations ; however I did not get a Balance on the loans until XXXX XXXX, XXXX, reflecting only {$2600.00} in total payments from XXXX until XXXX XXXX. Also, once the Forbearance expired, I did not receive correspondence from AES, thus unaware of defaulted status on the loan. 
Upon returning to the US in XXXX to resolve the issues of the Fraud, I began to work in the US and my {$1400.00} Tax Return was garnished for Federal Debt and paid to AES/PHEAA for the XXXX Department of Education. From XXXX XXXX - XXXX the until XXXX XXXX, AES never contacted me because they sold my personal information and parts of my loan to DEBT buyers, taking advantage of the fraud I had been already experiencing since XXXX of XXXX. Once the DEBT Collectors were used by AES to misappropriate the garnishment that should have been wholly applied to the STUDENT LOAN that contained XXXX loans - XXXX from XXXX, XXXX from XXXX, AES gets the loans back then reports to me in XXXX XXXX that the loans defaulted and never explained how or why, then sought to garnish again this time from my EMPLOYER on an incorrect balance that obviously included fees, etc. from for profit businesses contracted by PHEAA. Forced again to accept the balance to get out of default which ruined by creditability, I was to be in re-hab for 6 months, but it was reported for 4 years on my credit reports, that the loans, now split into XXXX, then XXXX, were all of some, still defaulted. I wrote a letter finally to AES in XXXX XXXX requesting what I had been requesting - where did the garnishment get applied?, what is the balance?, why is AES loans reporting 6-8 times when I had one loan payment for a combined XXXX loans?, why did I have to be in rehab for 2 years and where did those payments go? I was ignored and PHEAA/AES and XXXX XXXX combined have worked together against the interest of the Federal government as private contractors to render services to citizens like myself who are entitled to get and receive an education and work to fulfill my financial obligations fairly and be protected in doing so, thus after being ignored by the all three of the Credit Bureaus that chose to still report inaccuracies, I am filing this complaint in addition to the complaint filed with Office of Civil Rights USDE. I thought this matter was resolved in XXXX XXXX when it appears the loan was in good standing, but the balances were incorrect. After XXXX XXXX 's letter to AES, I have been threaten with default again because I am asking for verification of debt. I would like to pay what I owe, but if AES can not prove it, how can they be allowed to collect debt that is illegal?