Pennsylvania Higher Education Assistance Agency

June 20, 2014Dear [redacted]:Kindly accept this letter as a formal response to the inquiry AES received through the Revdex.com (Revdex.com) regarding the status of your educational loan account. We trust that the following information will help clarify our position in this...

matter.AES services both subsidy portions of your Federal Consolidation Loan disbursed May 13, 2004 (Loans 1 and 2) and the subsidized portion of your Federal Consolidation Loan disbursed January 12, 2005 (Loan 3) on behalf of the owner, [redacted]. As the contracted, third-party service provider, AES administers the loans, in accordance with the terms of the signed promissory notes and federal regulations. As the service provider, AES is required to perform billing, credit reporting, and additional serving-related activities.Contrary to the information in your Revdex.com inquiry, AES records confirm that, in March 2014, you voluntarily enrolled in our electronic billing (e-bill) feature through your AES Account Access online account on the AES website. This option is only available on AES’ website and must be selected by you in order to receive e-bills. In addition, on March 27, 2014, our office sent an email to you to notify you that your April 2014 billing statement was available to view online. Because this email was returned as undeliverable, our office mailed you a letter on March 28, 2014. A copy of this document is enclosed.In addition, you stated that you emailed AES three times regarding two payment issues; however, your emails were ignored. Based on our review, two emails were received on May 1, 2014, and one response was sent to you on May 5, 2014. In addition, AES received an email on June 5, 2014, and an email response was sent to you on June 11,2014. Copies of the responses are also enclosed.AES records confirm that you made two payments on our website for the amount of $140.11 each on June 2, 2014. You targeted the first $140.11 payment to Loans 1 and 2 and the second $140.11 payment to Loan 3. To confirm this, we mailed a statement of account under separate cover. Please note, when payments are received, federal regulations require that they are credited first to the outstanding interest, second to late fees (if applicable), and third to the principal balance. Since the payments were targeted by you towards the loans separately on the same day, they were not credited as one payment for interest and principal. In addition, the second payment was not credited entirely towards the principal balance as you intended. You may be assured that no late fees were assessed with any of these payments. However, if you wish to have the payments reapplied, you would need to either submit your request in writing with specific instructions or contact our office directly. After completing our review, AES determined that no servicing error occurred, and the payments were applied correctly towards interest and principal.Presently, Loans 1 and 2 are current with the next partial installment of $106.64 due on July 15, 2014. In addition, Loan 3 reflects an advanced-payment status with the installments satisfied through January 1, 2015. If no other payments are received in the meantime for this loan, the next partial installment of $10.09 will be due by February 15, 2015.If you have any questions or concerns, please contact our Customer Service Department at ###-###-####. Loan counselors are available Monday through Friday from 7:30 a.m. to 9:00 p.m., ET.Sincerely,

11/12/2015
 
Dear [redacted]:
 
While we regret the
concerns received in these complaints, we sincerely appreciate the opportunity to
resolve them.  Rest assured that the
inquiries have been assigned to a member of our Research Specialist Team who is
diligently working toward a resolution. 
We take all concerns included in the complaints very seriously.  Please be advised that the Research
Specialist Team member will be providing a formal letter shortly that will address all of [redacted]'s concerns identified in both complaints, along with
contact information to our office, should any additional concerns arise.
 
Best Regards,
 
Jessica N[redacted]
Research Specialist
Team Lead
American Education
Services

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:I'm not sure why PHEAA and AES addressed this complaint as they did not want to speak with me to set up a payment plan to resolve this debt.  Instead they bounce the consumer to their bullies [redacted] Corp who will lie to you and take money directly from your paycheck and then attempt to get you to make "Voluntary" payments in the name of a "loan rehabilitation program".  The [redacted] representatives are liars.  I hope the Revdex.com and attorney general investigate this companies practices. This company is in the business of garnishment to the point you no longer have a living wage.  $157.00 per pay out of my $15. 00/hr salary, you do the math.  As long as these people can go home to their nice cushy neighborhoods, they sleep fine at night.  Self-respect or not!!
[redacted]

February 13, 2015
Dear [redacted]:We are writing in response to your complaint lodged with the Revdex.com regarding your student loan account, which we service on behalf of the U.S. Department of Education, detailed below.
Loan        ...

    Disbursement          Loan                                            Original Principal                   Current Principal Sequence       Date                     Program                                          Balance                                      Balance
  1                09/10/09            FFELP Subsidized Stafford                        $8,500.00                                       $0.00  2                09/10/09            FFELP Unsubsidized Stafford                  $12,000.00                                       $0.00  3                12/28/11          Direct Subsidized Consolidation               $17,066.67                              $16,109.49  4                12/28/11          Direct Unsubsidized Consolidation           $31,592.36                              $29,821.33  5                10/10/12          Special Direct Subsidized Consolidation     $1,799.93                                $1,134.07  6                10/10/12          Special Direct Unsubsidized Consolidation  $1,431.18                                  $956.23  7                10/10/12          Special Direct Unsubsidized Consolidation  $4,831.47                               $3,103.24  8                10/10/12          Special Direct Unsubsidized Consolidation  $1,949.49                               $1,330.99
Federal Family Education Loan Program (FFELP). [redacted] Federal Direct Loan Program (Direct).
Your request regarding your account, as we understand it, is that we remove the unfavorable credit reporting our office submitted for December 2014. Unfortunately, we are unable to comply with your request.As you may recall, loan sequences 3-4 transferred to us effective June 10, 2013. As part of the transfer, we were able to honor the automatic payment arrangements you made with the previous loan servicer, Affiliated Computer Services (ACS), and we placed loan sequence 3 and 4 onto our automatic payment service, Direct Debit.Loans sequences 5-8 subsequently transferred to our office effective November 12, 2013. Unfortunately, we were unable to honor any automatic payment arrangements you may have made with the prior loan servicer. Consequently, these loans were not set up for Direct Debit.On June 23, 2014, you contacted us, and you requested to have your Direct Debit service suspended. As requested, we suspended your Direct Debit service for July 2014, and we informed you that loan sequence 5-8 were not set up for Direct Debit. We also noted that you would need to send us a Direct Debit application so that we could enroll loan sequence 5-8 in Direct Debit.Although your Direct Debit service later resumed for loan sequences 3-4, we were unable to automatically withdraw any monthly payments for loan sequence 5-8 because we did not receive a Direct Debit application from you. Because you did not manually submit any payments, loan sequence 5-8 became delinquent.Accordingly, we placed telephone calls and sent you letters in an attempt to notify you that loan sequence 5-8 were delinquent. We also provided you with several letters, copies of which are enclosed, to inform you of the delinquency. Separately, please note that the Direct Debit notification letters we have sent to you on a monthly basis since June 2014 indicate that only loan sequences 3-4 are currently enrolled in Direct Debit.Because we did not manually submit any payments or submit a Direct Debit application, loan sequences 5-8 remained delinquent. As a result, we reported loan sequences 5-8 as at least 120 days delinquent for December 2014.Please note, however, that because loan sequences 5-8 are considered to be one loan, we merged the entries for these loan sequences on your credit report (“tradelines”) into one tradeline. As a result, your account now only has one unfavorable entry for December 2014.While we sympathize with your circumstances, it is important to remember that we are obligated to report true and accurate information under the Fair Credit Reporting Act (15 U.S.C. § 1681s-2). As noted above, our review of your account found that information reported to the nationwide consumer reporting agencies accurately reflected the status of your account at that time. Consequently, FedLoan Servicing is unable to remove all of the credit reporting submitted for December 2014.Loan sequences 5-8 presently reflect a current status as a result of the payments you have recently submitted. To maintain a current status on loan sequences 5-8, you must manually submit another payment of $60.07 by March 2, 2015.If you would like to enroll loan sequence 5-8 in Direct Debit, please complete and return the enclosed Direct Debit application. You may also enroll through your online account at MyFedLoan.org.The next automatic payment of $411.28 for loan sequences 3-4 is scheduled to be extracted on March 2, 2015.If you have further questions, please contact your Borrower Advocate:Josh - Borrower Experience Advocate FedLoan Servicing
P.O. Box [redacted] Harrisburg, PA [redacted] ###-###-####
[email protected] hope this information is helpful to you.Sincerely,FedLoan Servicing Customer Service Department

February 17, 2015Dear [redacted]:
This letter is in response to your recent inquiry (ID# [redacted]) regarding the status of [redacted]’ educational loan account, serviced by our office. We trust that the following information will be of assistance.
A comprehensive...

review of the account has been completed. A copy of our response letter to [redacted] is enclosed for your review. We trust that the letter addresses the concerns brought to our attention.If you have any additional questions, please call our office at ###-###-####. Loan counselors are available Monday through Friday from 7:30 a.m. to 9:00 p.m., ET.
Sincerely,
Shelly B.
Vice President, Loan Operations

Complaint: [redacted]
I am rejecting this response because:Please see attached.
Regards,
[redacted]

You and [redacted] are non merciful lenders period. You will not continue to falsify my credit. You have had too many complaints with you and your other loan partner. I will not be lied to after a year and will consult with an attorney if necessary. I am thankful however, you have given me number I can contact [redacted].
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

12/11/2015
 
Dear [redacted]:
 
While we regret the
concerns received in this complaint, we sincerely appreciate the opportunity to
resolve them.  Rest assured that this
inquiry has been assigned to a member of our Research Specialist Team who is
diligently working toward a resolution. 
We take all concerns included in the complaint very seriously.  Please be advised that the Research
Specialist Team member will be providing a formal letter shortly, along with
contact information to our office, should any additional concerns arise.
 
Best Regards,
 
Jessica N[redacted]
Research Specialist
Team Lead
American Education
Services

November 24, 2014Dear [redacted].This letter is in response to your recent inquiry sent to the Revdex.com regarding your defaulted federal student loans held by the Pennsylvania Higher Education Assistance Agency (PHEAA). Your inquiry was forwarded to my attention for review and response.The total outstanding defaulted balance totals $76,091.98 as of the date of this letter. This consists of $60,613.21 in principal, $3,329.16 in interest and $12,149.61 in collection fees. Each of your consolidated loans carries a 6.750% fixed interest rate. Your account accrues approximately $336.27 in interest every thirty days.
Per a phone conversation with you on July 17, 2014, you were sent a financial disclosure form and instructed to complete and return it with proof of your income and expenses in an attempt to establish a reasonable and affordable monthly payment to qualify for the Default Loan Rehabilitation program. Unfortunately, the financial disclosure form was returned on August 22, 2014 and your account was assigned to an outside collection vendor on August 15, 2014. As such, you are encouraged to submit your financial disclosure form to [redacted] for further consideration. [redacted] may be contacted directly at [redacted].
If you intend to qualify for the rehabilitation program based upon completing the Financial Disclosure Form, your monthly payment amount will be set at your total amount of available discretionary funds (income minus expenses). To help ensure the successful processing of your form, you must provide documentation of your listed income; however, documentation must only be provided to substantiate your expenses if they exceed the Internal Revenue Service's (IRS) allowable expenses. You are encouraged to compare your expenses to the IRS’s allowable expenses prior to completing your form by visiting http://www.irs.gov/Individuals/Collection-FinancialStandards. To aid in the expedient processing of your form, you are encouraged to include documentation for any expenses which exceed the IRS’s allowable expenses.
The Default Loan Rehabilitation program is a federally regulated program in which your account is purchased by a lender after a minimum of nine (9) consecutive monthly payments have been remitted in a ten (10) month period and you have returned the rehabilitation agreement letter. Your account is considered rehabilitated upon the completion of this process, not upon the remittance of your ninth payment. If monthly payments stop prior to the completion of this process, you must restart the qualification period. After successfully completing the rehabilitation program, we will request that the credit bureaus remove the prior loan default reported by PHEAA.
Since voluntary payments have not been remitted, you are certified for the seizure of any federal funds you believe you are due. PHEAA sent you a letter dated August 13, 2014 advising you have 65 days to establish a satisfactory monthly payment to avoid this nonpayment consequence.
Federal regulation 34 C.F.R. § 682.410(b)(6)(V) clearly states that a guaranty agency must attempt a federal offset against all eligible borrowers.
If you have any questions, please contact our office toll-free at ###-###-####. Representatives are available to assist you Monday through Thursday 8 am to 9 pm EST and Friday 8 am to 5 pm EST.Respectfully,Erica L
Call Center Supervisor PHEAA Default Collections

July 1, 2015
Dear [redacted]:
This letter is in response to an inquiry AES received from the Revdex.com (Revdex.com) regarding the status of [redacted]’s educational loan account, serviced by our office. You are listed as an authorized third-party on the...

account. We trust the following information will be of assistance.AES currently services [redacted]’s three privately-insured Bank of American GATE Education (UNGRAD) Loans on behalf of the holder, National Collegiate Student Loan Trust (NCT). In addition, AES previously serviced [redacted]’s one privately-insured UNGRAD Loans on behalf of the owner, Bank of America. As the service provider, AES is required to administer the loans in accordance with the terms of the signed promissory notes. AES is responsible for performing billing, credit reporting, and other servicing-activities. The loans are further detailed in the chart below.
Loan Number     Disbursement Date   Loan Program   Original Principal Balance  Current Principal Balance
 1                       September 27, 2001     UNGRAD        $9,762.00                                $3,543.40
 2                       February 1, 2002           UNGRAD            $0.00                                       $0.00*
 3                       November 22, 2002      UNGRAD        $8,000.00                                $2,794.92
 4                       August 28, 2003           UNGRAD       $10,000.00                               $3,374.90 *
The current principal balance reflects $0.00 as a result of the funds being returned from the school on April 23, 2002.We understand from your inquiry that you believe to have paid off a loan with AES in February 2015. AES has no record of receiving a payoff amount in February 2015 for one of the loans referenced above. However, AES’ records do reflect that payments of $98.85 and $170.77 were received on the respective dates of February 17, 2015 and February 23, 2015 via the Direct Debit process, neither of which were sufficient to fully satisfy any of the three UNGRAD Loans still being serviced by AES. However, if you have documentation that reflects a payoff amount for one of the loans was remitted to AES, please forward documentation from your financial institution that contains details regarding the transaction.
Presently, the UNGRAD Loans are current and the next Direct Debit payment of $98.85 is scheduled to be extracted on July 17, 2015 in the amount of $98.85 for Loan 1. The next Direct Debit payment of $170.77 is scheduled to be extracted on July 23, 2015 for If you have any additional questions, please contact our Customer Service Department at ###-###-####. Loan counselors are available Monday through Friday from 7:30 a.m. to 9:00 p.m., ET.
Sincerely,
M. Tyler B
Assistant Vice President, Loan Operations

I am a veteran of the USMC and I obtained a loan through AES prior to beginning my military service. I was informed that I could get a reduced interest rate under the SCRA if I submitted a copy of my DD214 stating my active duty service dates. I submitted this official government document to AES mid September. Only to be told on the 10th business day that since my active duty service time could not be "confirmed" via the DoD SCRA Database (even though they had my DD214) and my claim could not be approved. I then went to the DoD SCRA Website and pulled up my information effortlessly. I then proceeded to submit the "eligibility certificate" on 14 October 2015 and it is now 23 October 2015 and I am being told that I have to wait ANOTHER 7-10 business days from the 19th of October (because that is when their system uploaded it) to know anything about my claim. If I started this process mid-September, why wouldn't someone be able to go directly to my claim and either approve or deny it? It would be simple, since they now have both my DD-214 (which still should have sufficed as proof of service) and the "eligibility" certificate.

April 16, 2014
Dear [redacted]:This letter is in response to an inquiry that AES received from the Revdex.com (Revdex.com) regarding the status of your educational loan. We trust that the following information will be of assistance.AES services your subsidized [redacted]...

Loan and your two unsubsidized [redacted] Loans on behalf of the owner, [redacted]). In addition, AES services your unsubsidized [redacted] Loan on behalf of the owner, [redacted] with [redacted]. Your loans transferred from [redacted] to AES for servicing effective June , 2013. As the contracted third-party service provider, AES services the loans in accordance with the signed promissory notes and federal regulations.The loans were set up on Electronic Funds Transfer (EFT) with the prior servicer. The transfer letter advised you that the EFT would continue with AES for only 120 days from the date of the letter. If you wished to continue the EFT you were required to complete an AES Direct Debit application within the prescribed time frame to retain the service,Our records confirm that since an AES Direct Debit application was not received by October 31, 2013, the repayment service was cancelled on the account. Accordingly, a manual billing statement was created on November 14, 2013 for the installment due on December , 2013. You may be assured that we received your new Direct Debit application on November 15, 2013, and the repayment service was approved beginning with the installment due January , 2014. Since a manual payment was not received in December 2013, your loans disbursed on October 18, 2002, December 10, 2002, and November 13, 2003 still reflect a rolling delinquency of 21.69. Please note that the Direct Debit service is not designed to debit past due amounts. Therefore, we urge you to remit the 21.69 to AES as soon as possible for those loans.After the January , 2014 payment was received, your unsubsidized [redacted] Loan disbursed on March 15, 2005 reflected a final payment of 59.86, plus accrued interest, was due for that loan. A letter detailing this information was mailed to you on January 16, 2014, a copy of which is enclosed. Since this loan had the final payment due, the Direct Debit service was unable to deduct the 59.86 amount from your bank account on February , 2014. We regret any confusion this matter may have caused.Since the final payment for the loan disbursed March 15, 2005 was due by February , 2014, and this amount was not received, this loan continues to reflect a past due status. We have calculated a payoff amount of 63,61, which includes an outstanding interest amount of 0.41, and outstanding late fees of 3.34, if the 63.61 payoff amount is received on or before April 24, 2014. The payoff amount may be remitted to AES, Attn: Paid in Full, PO Box 2251, Harrisburg, PA 17105-2251 or you may remit the amount through our AES Payment Center on our website at www.aessuccess.org, in addition, your request to have the late fees waived on your loan was submitted to the owner for review. However, since the account still reflects a past due status, AES was unable to process your request. Once the delinquency is resolved on your account, AES would be able to review your late fee waiver request.If you have any questions or concerns about the content of this letter, please contact our Customer Service Department at [redacted]. Loan counselors are available Monday through Friday from 7:30 a.. to 9:00 pm., ET.Sincerely,

March 10, 2014
Dear **. [redacted]:
This letter is in response to a second inquiry you filed with the Revdex.com (Revdex.com) regarding the status of your educational loan account. We trust that the following information will be of assistance.
AES services one [redacted]) Loan on behalf of the owner, [redacted]. AES administers the loan in accordance with the signed Credit Agreement.
We understand from your recent Revdex.com inquiry that you are dissatisfied with AES’ recent response concerning the copy of the original Credit Agreement that was mailed to you. As previously stated, our privacy policy prohibits AES representatives from disseminating any information that contains the non-public personal information of a borrower or cosigner. This policy allows AES to maintain a strict level of confidentiality relative to the servicing of your student loan account. We regret that we are unable to comply with your request to provide an un-redacted copy of the Credit Agreement via overnight mail.
Concerning the customer service that you stated you received, AES maintains its position that its representatives provided appropriate information and followed up with the requested documentation. Our representatives were unable to comply with your request to provide non-public personal information, such as Social Security Numbers, dates of birth, employment information, and telephone numbers.
While AES remains willing to assist you with any other servicing questions that you may have, we are unable to assume responsibility for the release of the non-public personal information of your father/cosigner, [redacted], or any other named party on the Credit Agreement that assisted you in obtaining the student loan.
If you have any questions or concerns, please contact our Customer Service Department at ###-###-####. Loan counselors are available Monday through Friday from 7:30 a.m. to 9:00 p.m., ET.
Sincerely.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively...

Resolved]
 Complaint: [redacted]
I am rejecting this response because: In reference to AES not being notified is false.  I personally faxed the letter I got from ASA just back in  December 2014.  It was the same letter that Citibank received back in 2011.  So AES must have overlooked the letter or lost it.  If that is all that's required, I can fax it again and  address to someone's attention so they can verify completion of the program. 
Regards,
[redacted]

September 8, 2014Dear [redacted]:
This letter is in regards to the inquiry we received from the Revdex.com (Revdex.com) regarding the status of [redacted]’s educational loan account, serviced by our office. AES records list you as the cosigner on the account. We trust the...

following information will be of assistance.AES services four [redacted] Undergraduate Loans, on behalf of the respective owners, [redacted]) (Loans 1, 3, and 4) and [redacted], N.A. (Loan 6). AES administers the loans based upon the terms of the signed Credit Agreements. AES performs billing, credit reporting, and additional servicing-related activities.The chart below details the loans.
Loan Number  Disbursement Date  Loan Program  Original Principle Balance  Current Principle Balance
 1                     10/08/04                     UNGRAD          $6000.00                           $6,108.07*
3                       09/09/05                    UNGRAD          $5,000.00                          $5,138..97*
4                       03/22/06                    UNGRAD          $3,744.00                          $3,739.05* 
6                       09/18/07                    UNGRAD          $4,000.00                          $3,575.72*
*The current principal balance is higher as the result of interest capitalization (interest added to the principal balance).
AES’ records confirm that you and the borrower have elected to participate in the electronic repayment Service Direct Debit. We understand from your Revdex.com inquiry that you are requesting to have an additional $75.00 per month applied to Loan 6, and that you have made several attempts to have this adjustment completed.
As you know, you were advised via email on June 20, 2014, that, because the referenced loans were all a part of the same Direct Debit schedule, additional funds could not be targeted to a specific loan, and that, in order to complete the adjustment you requested (so that the additional amounts would be applied on an on-going basis to a specific disbursement), you would have to select a new due date for Loan 6. Subsequently AES received your request to change the due date for Loan 6 on June 20, 2014. Due to an adjustment that had to be performed to the advanced-payment status of Loan 6, the due date change request was not completed until July 30, 2014. Following the completion of the due date change, the adjustment to the Direct Debit schedule was not completed in a timely manner.
You may be assured that the adjustment has been completed and will be effective for the October 16, 2014 monthly installment for loan 6. Please note that AES is not authorized to refund any portion of the interest that accrues on Loan 6. Interest accrues according to the terms of the Credit Agreements. Because AES does not own the loans, it may not alter or negotiate the terms of the signed Credit Agreements.
For your convenience, I have asked Research Specialist Joshua D[redacted] to assist with any additional questions you may have. If you require any additional information or need further assistance specific to this inquiry, please call Mr. D[redacted] directly at ###-###-####. For general assistance regarding your account, please call our Customer Service Department at ###-###-####. Loan counselors are available Monday through Friday from 7:30 a.m. to 9:00 p.m., Eastern Time.Sincerely,
Shelly B
Assistant Vice President Graduate and Professional Services

1/25/2016
 
Dear [redacted]:
 
While we regret the
concerns received in this complaint, we sincerely appreciate the opportunity to
resolve them.  Rest assured that this
inquiry has been assigned to a member of our Research Specialist Team who is
diligently working toward a resolution. 
We take all concerns included in the complaint very seriously.  Please be advised that the Research
Specialist Team member will be providing a formal letter shortly, along with
contact information to our office, should any additional concerns arise.
 
Best Regards,
 
Jessica N[redacted]
Research Specialist
Team Lead
American Education
Services

April 18, 2016
 
Dear Ms. [redacted]:
 
We regret that Ms.
[redacted] found our last response unsatisfactory and we appreciate the
opportunity to continue to assist in resolving her concerns.  Please know that upon notification of Ms.
[redacted]’s last inquiry to the Revdex.com, the complaint was again
forwarded to Pennsylvania Higher Education Assistance Agency (PHEAA) for review
and response. We trust the formal letter
sent to Ms. [redacted]’s attention will address her concerns regarding wage
garnishment and her difficulty in establishing a manageable repayment plan.  As always, direct contact information to our
office will be provided if any additional concerns arise.
 
Best Regards,
 
Jessica N[redacted]
Borrower Experience
Advocate Team Lead
American Education
Services

THis is just completely factually inaccurate in so many ways.lets start from some truth for onceFACT:I HAVE TWO LOANS AND HAVE HAD TWO LOANS FOR OVER TEN YEARS
NOW THAT WE ARE STARTING FROM SOME FORM OF HONESTY WE CAN BEGIN TO DISCUSS THE FACT THAT YOU ARE INACCURATELY REPORTING THIS TO CREDIT REPORTING AGENCIES.MY SECOND LOAN HAS BEEN COMPLETELY DELETED . MEANING IT DOESNT SHOW THE PAYMENT HISTORY ON IT ANYMORE IT DISSAPEARED. IT IS NOT A MATTER OF IF I BENEFITED WHEN YOU ACCURATELY REPORTED THE TWO SEPERATE LOANS IT IS THE FACT THAT ME AND ANYONE ELSE YOU DID THIS TO IS DONE HARM BY THE INACCURATE REPORTING. THEY ARE NOT LOAN SEQUENCES THEY ARE LOANS.  THEY HAVE DIFFERENT PAYMENT AMOUNTS THERE OWN SET OF TERMS ETC. ARE YOU TELLING ME THAT FOR OVER TEN YEARS YOU HAVE BEEN REPORTING IT WRONG TO THE CREDIT BUREAUS AND NOW YOU JUST GOT IT RIGHT?WHY DID YOU CHANGE THE WAY YOU REPORT?I ASKED FOR A PHONE CALL ABOUT THIS.YOU TOOK THIS LONG TO GIVE THIS RIDICULOUS ANSWER. I HAVE SPOKEN TO AES WHO ADMITTED I HAVE TWO LOANS AND IT IS NOT REPORTED ACCURATELY ANY LONGER. MY ENTIRE PAYMENT HISTORY AND LOAN WAS DELETED AND THUS ALL THE PAYMENT HISTORY ON THAT LOAN AS WELL.  I AM NOT ASKING YOU TO COMMENT ON MY CREDIT SCORE/ CREDIT REPORTS. BUT I AM SURE IF YOU ARE RUNNING A COMPANY YOU KNOW OR SHOULD KNOW CREDIT SCORES ARE AFFECTED BY NUMBER OF ACCOUNTS AND BALANCES OF EACH SAID ACCOUNT. AND YOU SHOULD KNOW IT HELPS YOUR SCORE TO HAVE MORE ACCOUNTS AND LOWER BALANCES AS OPPOSED TO LESS ACCOUNTS HIGHER BALANCES. WHAT YOU HAVE DONE TO CUT COSTS AND SAVE TIME FOR YOUR STAFF IS RESULTING IN LOWERING THOUSANDS OF PEOPLES CREDIT SCORES. I HAVE TWO LOANS PLEASE STOP PRETENDING NOW THEY ARE SEQUENCES OR ANYTHING OTHER THAN THE FACT. I WAS TOLD YEARS AGO BY YOU GUYS THAT I HAVE TWO LOANSAT THAT TIME YOU DID NOT CALL THEM "SEQUENCES" (WHAT A JOKE)  YOU CALLED THEM SEPERATE LOANS AND SAID THEY CAN NOT BE COMBINED BECAUSE OF THE SUBSIDIZED UNSUBSIDIZED .  NOTHING IN THIS LETTER WAS ENLIGHTENING EXCEPT FOR AES CONSTANT ATEMPT TO BEURACRATICALLY AND DISINGENUOUSLY MISREPRESENT THEMSELVES AS A COMPANY WHO CARES LET A LONE FOLLOWS THE RULES FOR REPORTING TO AGENCIES. I LOVE HOW YOU LEFT OUT THE PART OF WHY YOU CHANGED AFTER OVER TEN YEARS OF REPORTING ACCURATELY WHY AES CHANGED THIS?OR DID NOT EVEN ACKNOWLEDGE THE FACT THAT YOU DID NOT PROVIDE NOTICE TO ANY ACCOUNT HOLDERS ABOUT THIS IMPORTANT CHANGE THAT YOU TRIED TO HIDE FROM EVERYONE.YOU SEND A LETTER ABOUT EVERYTHING ELSE BUT NOT THE FACT OF "HEY WE ARE DELETING ACCOUNTS ON YOUR CREDIT REPORT AND RAISING THE BALANCES AND THIS MAY IMPACT YOUR CREDIT SCORE, WE ARE DOING THIS BECAUSE (FILL IN THE LIE HERE)TAKE YOUR TIME RESPONDING AS I AM SURE YOU WILL NEED TO CONTACT OTHERS TO COME UP WITH THE LIE AS TO WHY YOU ARE DOING THIS AND MAKE IT SOUND REAL BELIEVABLE.THE FACT THAT YOU DONT ANSWER THAT QUESTION THE FIRST TIME AND THE FACT THAT YOU MADE NONE OF THIS INFORMATION AVAILABLE TO ANYONE ALREADY SHOWS THE REAL REASON WHY.YOU DO REALIZE BY SAYING THIS IS ACCURATE OR TRYING TO AVOID THAT ENTIRE POINT IS WHAT YOU ARE DOINGBUT IF YOU SAY IT IS ACCURATE WHAT YOU ARE REPORTING THEN THAT MEANS FOR OVER TEN YEARS YOU HAVE BEEN IMPACTING MY CREDIT REPORTS/SCORES WITH INACCURATE REPORTING FOR OVER TEN YEARS AND YOU HAVE BEEN DOING THIS INACCURATE REPORTING FOR OVER TEN YEARS!?PLEASE RESPOND TO THIS AS WELL:THIS WHOLE CASE IS BASED OFF OF THIS:1. YOU ARE INACCURATELY REPORTING INFORMATION TO THE CREDIT BUREAU AGENCIES.2. THIS LOWERED MINE AND ANYONE ELSES CREDIT SCORES ( THIS IS A FACT I CAN PROVE IT WITH MY REPORT AND/OR FACTUAL INFORMATION ON HOW CREDIT REPORTS ARE FORMULATED VIA EACH AGENCY SINCE YOU CAN NOT COMMENT ON THIS)3. FOR OVER TEN YEARS IT WAS REPORTED AS TWO LOANS AND NOW YOU ARE SAYING IT IS ONE LOAN ACTUALLY?  YOU ARE CONTRADICTING YOURSELF. BOTH WAYS CAN NOT BE ACCURATE. THERE IS A BIG DIFFERENCE BETWEEN ONE AND TWO. THEY ARE TWO SEPERATE NUMBERS. YOU ARE AVOIDING THE ISSUE ENTIRELY AND INSTEAD PROVIDING UNNECESARY INFORMATION IN AN ATTEMPT TO TAKE THE FOCUS AWAY FROM THE FACT THAT YOU ARE INACCURATELY REPORTING INFO TO CREDIT BUREAUS IN THE GUISE OF EDUCATION AND CONCERN.I KNEW THIS WOULD BE YOUR RESPONSE. AND I SPECIFICALLY SPOKE WITH SOMEONE WHO SAID SHE WOULD OPEN UP AN INQUIRY WITH THE CREDIT DEPT. I ALSO SPOKE TO A GENTLEMAN WHO SAID HE WOULD HAVE SOMEOEN CALL ME. NO ONE HAS CALLED ME. I NEED TO SPEAK ABOUT THIS OVER THE TELEPHONE TO GET THROUGH THE DISINGENUINE REGARD AND SPEAK HONESTLY ABOUT WHAT YOU ARE DOING AND WHAT YOU HAVE DONE IN REGARDS TO THIS. EITHER I HAVE ONE LOAN (I KNOW I DONT) AND YOU HAVE BEEN REPORTING IT WRONG FOR OVER TEN YEARS!?OR YOU JUST STARTED REPORTING IT INACCURATELY TO THE AGENCIES NOW.WHY WAS NO ONE GIVEN NOTICE ABOUT THIS?  CALL ME ###-###-####ONCE AGAIN AES PROVES TO BE A SELF SERVING ENTITY ONLY CONCERNED WITH THEIR RELATIONSHIP WITH THE Revdex.com. HIDING WHAT THEY REALLY DO BEHIND CLOSED DOORS THROUGH THESE KIND OF LETTERS.CALL ME ###-###-####I HAVE BEEN PROMISED CALL BACKS AND NEVER GET THEM I BELIEVE IN THIS COMPLAINT I SAID I WANTED A CALL.   I OPENED UP DISPUTES ON THE CREDIT BUREAUS ABOUT THE INACCURACY OF WHAT IS BEING REPORTED.  THANKS FOR THE APOLOGY.

January 29, 2014
Dear **. [redacted]:
Kindly accept this letter as a formal response to the inquiry AES received through the Revdex.com concerning the status of your educational loan account. We trust that the following information will be of assistance.
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AES currently services the subsidized (SUBCNS) and the unsubsidized (UNCNS) portions of your Federal Consolidation Loan on behalf of the owner, [redacted]. As the contracted, third-party service provider, AES administers the loan on behalf of the owner in accordance with the terms of the signed promissory note and federal regulations.
This loan is further detailed in the chart below.
Disbursement Date    Loan Program    Original Principal Balance    Current Principal Balance
September 7, 2005    UNCNS    $14,991.72    $15,430.40*
September 7, 2005    SUBCNS    $46,091.40    $44,644.08
December 11, 2003    STFFRD    $4,511.00    $0.00**
March 26, 2003    UNSTFD    $4,644.00    $0.00**
March 26, 2003    STFFRD    $8,500.00    $0.00**
*The current principal balance is higher as a result of interest capitalization.
**The loans have a zero balance as a result of the consolidation.
In your inquiry, you indicated that you would like to have a six-month grace period applied to your account. Our records indicate that your [redacted] Loans reflected a graduation date of February 7, 2004 from [redacted] University. Following your graduation on February 7, 2004, your [redacted] Loans entered a grace period for six months. After the six-month grace period, the [redacted] Loans entered repayment status on August 8, 2004. Federal regulations state that a borrower is eligible for only one six-month grace period after graduation. If the borrower re-enrolls on an at least half-time status before the grace period ends, then the in-school status and grace period can be extended. However, if the borrower does not enroll on an at least half-time basis prior to the expiration of the grace period, then the [redacted] Loans will enter repayment immediately following graduation.
Please note, however, that AES received your request to waive the grace period on your consolidation application effective May 19, 2005. A copy of this document is enclosed for your convenience. By completing this section of the application, you requested to have the six-month grace period waived and to have your [redacted] Loans placed into early repayment in order to consolidate them while you were in school. Please note that federal regulations that govern student loans changed effective July 1, 2006, and it discontinued the option to waive the in-school status and grace period of [redacted] Loans. Our office received your request prior to the federal regulation change. Accordingly, we processed your grace period waiver request on your [redacted] Loans on May 24, 2005.
Based upon our review, we determined that the grace period was waived accurately on the [redacted] Loans in order to consolidate them into your Consolidation Loan disbursed on September 7, 2005. Therefore, your Consolidation Loan is not eligible to receive a six-month grace period.
At this time, the Consolidation Loan is current. The next installment of $303.20 will be due by February 4, 2014.
If you have any additional questions, you may call our Customer Service Department at ###-###-####. Our loan counselors are available Monday through Friday from 7:30 a.m. through 9:00 p.m. Eastern Time.
Sincerely,

9/4/2015
 
Dear [redacted]:
 
While we regret the
concerns received in this complaint, we sincerely appreciate the opportunity to
resolve them.  Rest assured that this
inquiry has been assigned to a member of our Research Specialist Team who is
diligently working toward a resolution. 
We take all concerns included in the complaint very seriously.  Please be advised that the Research
Specialist Team member will be providing a formal letter shortly, along with
contact information to our office, should any additional concerns arise.
 
Best Regards,
 
Jessica N[redacted]
Research Specialist
Team Lead
American Education
Services