Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: GA

Complaint narrative:
I am filing this complaint regarding a wage garnishment being enforced by XXXX XXXX XXXX XXXX XXXX  related to a private student loan allegedly originating in or around XXXX. 

This is a post-judgment matter. I previously requested documentation and verification related to the alleged debt, including proof of ownership, the complete payment history, and documentation supporting the balance being enforced through garnishment. These requests were not properly responded to prior to or during enforcement of the garnishment. 

Additionally, XXXX XXXX XXXX XXXX XXXX has failed to provide sufficient evidence demonstrating that it has standing to enforce this debt, including a valid chain of assignment from the original lender. As widely documented, XXXX XXXX XXXX XXXX XXXX has a history of enforcing loans without adequate proof of ownership. 

Further, in XX/XX/XXXX, an agreed-upon settlement amount of {$16000.00} was reached and paid. At that time, the company agreed to the amount and did not disclose or indicate that any additional balance would remain owed or that further collection activity would occur. There was no notification that the debt would continue to be collected after payment of the agreed settlement amount. 

I also was not properly served with notice of the garnishment proceedings. I did not receive lawful service notifying me that a garnishment action had been filed or that my wages would be subject to withholding. The lack of proper service deprived me of the opportunity to contest the garnishment before enforcement began. 

Despite these significant deficiencies, garnishment activity proceeded. This has caused substantial financial hardship, as the current garnishment amount significantly impacts my ability to meet basic living expenses. It also raises concerns regarding potential violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, including attempts to collect amounts that may not be accurately owed, properly credited, legally enforceable, or lawfully executed. 

I am respectfully requesting that XXXX XXXX XXXX XXXX XXXX : Provide full and complete documentation proving legal ownership and enforceability of the debt Provide a complete payment history and accounting of the balance, including how the XX/XX/XXXX payment of {$16000.00} was applied Provide documentation of any settlement agreement terms allegedly allowing continued collection Provide proof of lawful service related to the garnishment proceedings Explain the legal basis for continuing garnishment despite failure to validate, lack of service, and the prior agreed settlement Temporarily reduce the garnishment amount to 5 % of disposable earnings due to financial hardship until full documentation and validation is provided Cease garnishment activity entirely if proper validation and proof of standing can not be produced If the debt can not be fully substantiated, if proper service can not be proven, or if the XX/XX/XXXX settlement satisfied the obligation as agreed, I am requesting that all collection and garnishment activity be stopped immediately.

Company response to consumer: Closed with explanation