Consumer complaint received 2019-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

My Demand Draft Fraud Complaint Against XXXX XXXX/PHEAA ( hereinafter, XXXX ) : In Clear Violation of Federal- and State- Law, XXXX Unlawfully Electronically Withdrew [ ECK ] LESS Money Than SPECIFIED on My XXXX XX/XX/XXXX Personal Check # XXXX, XXXX Willfully/Deliberately In Unquestionable Fraud Forced BANK Reversal of My Monthly Payment ( Timely and Full Amount received by XXXX XXXX XX/XX/XXXX XXXX THEREBY XXXX ENGINEERED OVERDUE PAYMENT FOR XX/XX/XXXX FROM MY TIMELY RECEIVED AND IN-FULL PAYMENT. 
From start of my student loans repayment XX/XX/XXXX ( to date through XX/XX/XXXX : eighty-five ( 85 ) payments of {$1000.00} ), XXXX  XXXX is/has been the only servicer for grouped-repayment of six ( 6 ) of my federal student loans, repaid without modification under the Standard Repayment Plan, i.e. XXXX fixed, equal monthly payments of {$1000.00} to paid-in-full. ( See XXXX Letter dated XX/XX/XXXX subject : Re Your Student Loan Account signed by XXXX XXXX, Senior Vice President, Loan Operations and Client Relations XXXX XXXX, shows payoff dates my 6 loans serviced by XXXX-copy attached. Last page of said pdf is letter dated XX/XX/XXXX from XXXX XXXX XXXX, Vice President, Loan Operations XXXX XXXX   stating my [ Standard Loan Repayment Plan FIXED, EQUAL ] monthly payment is $ XXXX/month, NOT $ XXXX/month. ) In plain violation of both federal- and state law : inexplicably XXXX   XXXX took my XX/XX/XXXX {$1000.00} 84th-payment by personal [ paper ] check ( check number XXXX-copy attached ) and withdrew ( XXXX XX/XX/XXXX ) by electronification of my check [ ECK ] from my checking account a different [ lesser amount ] amount of money ( = $ 1077.92-shown in my bank statement-copy attached ) than the amount ( $ XXXXcopy of check XXXX showing {$1000.00} attached ) written by me on my check. ( A pdf is attached : containing a photocopy of my XXXX XX/XX/XXXX personal check for {$1000.00} to XXXX [ first page ] with [ second page ] my bank statement [ XXXX XXXX XXXX XX/XX/XXXX ] shows XXXX made unauthorized withdrawal of {$1000.00} on XXXX XX/XX/XXXX from said check. Another pdf shows police report number for said XXXX unauthorized withdrawal. Another pdf is a copy of my Affidavit re XXXX 's unauthorized funds withdrawal provided to XXXX XXXX XXXX. ) My monthly payment due date is the 10th day of every month. XXXX  XXXX  received my XXXX XX/XX/XXXX {$1000.00} check payment on XXXX XX/XX/XXXX at XXXX pm US-Mail-signature-receipt by XXXX XXXX, XXXX XXXX agent ( Attached is copy of US Express Mail tracking showing XXXX XXXX signature receipt of my XXXX XX/XX/XXXX {$1000.00} payment on XXXX XX/XX/XXXX at XXXX XXXX by XXXX XXXX, XXXX Agent. ) TODAY, XXXX XX/XX/XXXX, XXXX SUPERVISOR, XXXX EMPLOYEE ID XXXX, INFORMED ME THAT MY XX/XX/XXXX PAYMENT WAS AS OF TODAY 22 DAYS OVERDUE AND I MUST IMMEDIATELY MAKE A PAYMENT OF {$2100.00} TO BRING MY GROUP LOANS ACCOUNT PAYMENTS CURRENT. I responded that my bank ( XXXX XXXX XXXX  employees XXXX and XXXX ) told me all XXXX had to do to instantly receive payment, after XXXX unauthorized withdrawal and funds reversal, was to use the bank routing number and account number on my check and do a one-time electronic withdrawal for the amount, {$1000.00}, written on the check over my signature per the federal- and Maryland State Uniform Commercial Code ( UCC ). XXXX stated XXXX would do no such UCC-authorized-withdrawal in payment ; rather, I must pay XXXX with a personal check dated as of XXXX XX/XX/XXXX ( one month overdue ) or today again provide XXXX the routing number and account number on my check ( check in XXXX possession since XXXX XX/XX/XXXX XXXX and thus again generate for XXXX unlawful coverup fraudulent exculpatory evidence for XXXX my payment is overdue at least 22 days due to my negligence. I replied to XXXX, I can not control XXXX unlawful unauthorized ECK withdrawal on XXXX XX/XX/XXXX ; nor by law should I be held liable for XXXX plainly deliberate lawless acts forcing me by threat of adverse credit reporting to provide new check ( s ) or check-routing today so XXXX can hide their unquestionable extortion and ECK fraud. NOTE : From XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, I spoke with the following XXXX employees re said matter to no apparent avail : ( i ) XXXX XX/XX/XXXX : XXXX employee ID XXXX and her supervisor, XXXX XXXX ; ( ii ) XXXX XX/XX/XXXX : XXXX XXXX and her supervisor : XXXX XXXX ; ( iii ) XXXX XX/XX/XXXX : XXXX XXXX and her manager, XXXX  XXXX, and XXXX manager, XXXX ( no employee ID given ), XXXX XXXX and her supervisor, XXXX XXXX ; ( iv ) XXXX XX/XX/XXXX : XXXX  XXXX and her supervisor, XXXX XXXX.