Consumer complaint received 2022-10-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

CFPB Agents : AES/PHEAA will attempt to close this complaint and mark it as a duplicate. Should they do that, please know they are maliciously doing this because they do not want to provide legitimate answers to the complaint. 

AES/PHEAA continues to send duplicate correspondence for loans that are past due in what is my belief an attempt to harass me. I have received 2 pieces of correspondence that outline the loans that are past due during the week of XX/XX/2022. AES/PHEAA should not be sending the same correspondence multiple times. This is seen as an act of provocation/harassment ( as has been repeated multiple times in this forum and over the phone to AES/PHEAA ) XXXX AES/PHEAA has been warned several times in the past. As of this time, letters are being sent to Counsel with the dates received. The promissory note for ALL LOANS does not contain information that permits AES/PHEAA to insistently harass borrowers by sending multiple pieces of correspondence in the span of days to a week that outlines the same information, in this case, loans being past due. AES/PHEAA will try and explain that I should make the payments on time in order for the letters to stop. Unfortunately, that does not resolve the actual issue and AES/PHEAA is evading this issue by harassing me with all of these multiple pieces of correspondence. AES/PHEAA should not be sending the same correspondence over and over. It is my belief that they are doing this to annoy me ( and/or other borrowers ) instead of simply sending correspondence once. These loans are all consolidated at this point, so sending the same piece of correspondence within days to a week is completely unnecessary and will be seen as a violation going forward. Each incident where this happens will be counted. If AES/PHEAA continues down this road, I may reach out to the original issuer with counsel to potentially pull a specific loan or loans out of the service citing disturbing behavior on the part of your Agency. Again, the promissory note permits the alerting of loans past due ONE TIME. This does not authorize your agency to constantly harass borrowers with an identical copy multiple times. A potential restraining order against some agents who do not behave professionally is also a possibility. This is warranted due to a previous complaint where I outlined disturbing details from an Agent and AES/PHEAA claimed they couldn't " substantiate '' any of this misbehavior, which is honestly up for interpretation.

In addition, I have reached out to Senator Warren and provided her with the experiences I have been subjected to by your Agency and some of your agents. I look forward to hearing from her and the avenues she has in mind to protect borrowers from the consistent fraud and misbehavior that continues to occur within your Agency. 

AES/PHEAA : I would advise not closing this complaint without providing a response. 
If a PHEAA agent is responding to this complaint, it is advised you pass the complaint over to a Supervisor/Litigator for further review prior to responding in a premature manner.