Consumer complaint received 2024-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IN

Complaint narrative:
XX/XX/year> Dear Consumer Financial Protection Bureau, I am hoping that your office might be able help me. I am having issues with AES ( American Education Services ) and their parent company PHEAA ( Pennsylvania Higher Education Assistance Agency ) in getting them to discharge my educational loan and act in honor. 

On XX/XX/year>, a Negotiable Instrument meeting the requirements of UCC-3 as a money order for the payoff amount of {$42000.00} for my account number XXXX XXXX XXXX  was sent to American Education Services ( AES ) - po box XXXX, XXXX, PA XXXX . Certified Mail number XXXX XXXX XXXX XXXX XXXX. 

My Negotiable Instrument was not returned. It has never been returned. The Negotiable Instrument was ACCEPTED but not applied. 

On XX/XX/year> a request for a certified original copy of my loan, a certified copy of the 1099-OID and a NOTICE OF DEFAULT WITH INTENT TO CURE was sent to XXXX XXXX , CEO of PHEAA to XXXX XXXX XXXX XXXX, XXXX, PA XXXX with the Certified Mail number XXXX XXXX XXXX XXXX XXXX. 

PHEAA sent an unsigned response dated XX/XX/year> which stated your attempts to purportedly discharge you educational loan debts are founded on legal theories that are not only without merit and untrue, but also reckless, in that continuing your pursuit of your current course of conduct could expose you to extremely harsh legal consequences. 

This document did not mention, nor did it contain either of my requests from the XX/XX/XXXX letter. 

On XX/XX/XXXX, a response letter was send to XXXX XXXX, stating that the time line to respond to my XXXX XXXX letter was not met, resulting in TACIT AGREEMENT to my position and DISHONOR for not producing the requested documents. 

It also stated that my negotiable instrument stands. 

Attached to this cover letter was a NOTICE OF DEFAULT stating this MATTER IS NOW CLOSED. 

The letter also requires them to Label my student loan debt as DISCHARGED and PAID IN FULL. 

I have given them repeated attempts to act in honor by sending these notices I have sent an Affidavit and contacted the Pennsylvania Attorney Generals office to file apology complaint. None of these have been directly responded to by AES/PHEAA , only dismissed. 

On XX/XX/year>, PHEAA sent a response latter which stated As stated in our prior letter to you, dated XX/XX/year>, be advised that Please be further advised that PHEAAs Office of Consumer Advocacy does not intend to further correspond with you on this matter, unless and or until you provide new and substantive information supporting your position. 

They have now attacked my credit score. 

All I seek is a discharge of my outstanding educational loan balance, to move the amount owed to XXXX and to clear up any of my credit history/score related to their dishonorable actions. 

I saw online that your office had won a case against AES/PHEAA for exactly the same behavior that they are exhibiting toward me and decided to write to you hoping you could assist me. 

I am including the pertinent correspondence pertaining to this case. Most of it concerns PHEAA, but the last portion concerns the credit reporting bureaus, who are not easily allowing me to instigate a dispute. 

If I can be of any assistance, please do not hesitate to reach out.

Company response to consumer: Closed with explanation