Pennsylvania Higher Education Assistance Agency

October 23, Dear [redacted] : Kindly accept this letter as a formal response to the inquiry AES received through the Revdex.com concerning the status of your privately-insured educational loan accountWe trust the following information will be of assistance.AES currently services two Alternative Undergraduate Program (ALPLN) Loans, respectively disbursed on October 11, and September 12, 2006, on behalf of the owner, [redacted] (***)In our capacity as a servicer, AES administers the loans in accordance with the terms of the signed Credit Agreements.We regret that you experienced difficulty accessing the AES website during a time when scheduled maintenance occurred and that this maintenance was not completed by the estimated time of completionWe also understand that you have concerns about how information regarding contacting our office by telephone is presented on the website, and that you have also experienced difficulty in navigating our telephone systemYour suggestions have been forwarded to the appropriate individuals within our technical team for reviewWe thank you for bringing these issues to our attention.If you have any additional questions, you may call our Customer Service Department at ###-###-####, Ourloan counselors are available Monday through Friday from 7:a.mthrough 9:p.mEastern Time.Sincerely, Shelly B Assistant Vice President Graduate and Professional Services

September 16, 2014Dear [redacted] :This letter is in response to your recent inquiry, ID # [redacted] , regarding the status of [redacted] ’ educational loan account serviced by our officeWe trust that this information will be of assistance.A full review of the account has been completed by our officeA copy of our response letter is enclosed for your reviewWe trust that the letter satisfactorily addresses the concerns brought to our attention.If you have additional questions or need further assistance, you may call our office Mondaythrough Friday at ###-###-#### from 7:a.mto 9:p.m., ET.Sincerely.Shelly B Assistant Vice President

I have been constantly harassed and disrespected by the several representatives that have contacted meIt began with calls to my personal phone at odd hours in the morningThen, even after I have filed multiple papers with the information they say they need, then proceed to repeatedly call me saying they have nothing on fileAlso, they will call myself or my dad at least times a day to reiterate the same informationI have asked multiple times to speak with someone in a higher position to get what I want understood, and every time I do they say no one is available at this timeEven more specifically, they refuse to work with me to negotiate payments I know I can afford, they say there is no need to do that if I have a co-signerWhat they fail to realize is that we all share responsibilities in the house and I am the only one working hours a week, if i'm lucky to get those hours, and have multiple other bills that are more important to take care ofAt this point I am ready and willing to get a lawyerThis needs to stop and something done with how they train people and how they respond to customersNo one has ever spoken to me as if I was a human, more like a money pit they can swipe a card in and get what they want

November 14, 2014Dear [redacted] : This letter is in regards to the inquiry we received from the Revdex.com (Revdex.com) regarding the status of the privately-insured student loan you cosigned on behalf of [redacted] , serviced by our officeWe trust the following information will be of assistance.AES services one Alternative Undergraduate Program (ALPLN) Loan, on behalf of the holder, [redacted] (***)AES administers the loan based upon the terms of the signed Credit AgreementAES is required to perform billing, credit reporting, and additional servicing activitiesWe understand that you are requesting to not be contacted regarding a loan that you did not cosignUpon review AES’ records confirm that no effort has been made to contact you regarding any debt serviced by our office other than the loan you cosigned on behalf of [redacted] Pursuant to AES’ privacy policy, your Non-Public Personal Information (NPPI) may not be sharedAs previously stated, AES services the loan on behalf of ***AES will perform additional servicing activities when a loan is in a delinquent status; however, AES does not turn the loan over to third-party collection agenciesThe signed Credit Agreement stipulates that the borrower and cosigner are equally responsible for maintaining a current account status by remitting on-time paymentsWhen your loan is in a delinquent status, AES is required to commence additional servicing activities, including calls, letters, and emailsSuch contact must continue until the loan is restored to a current statusPlease understand that the holder of your loan may also contact you and the borrower directly, or it may use a collection agency to assist in obtaining payment for the delinquent amountTherefore, you and the borrower may receive collection communications from various officesPlease note that calls from outside collection agencies are not made by AESAES representatives will always identify themselves and the nature of the telephone callAt this time, your ALPLN Loan is past due $from October 19, The next $will be due on November 19, If no payments are remitted in the meantime, a total of $will be due at that timeSeparately, by signing the Credit Agreement you and the borrower agreed to maintain current valid demographic information on the account at all timesWhen AES is notified that the demographic information is invalid skip trace activities are commencedWhen skip tracing is performed AES will attempt contact with the borrower, cosigner, references, or any employer listed on the loan application in an attempt to receive valid demographic information, AES’ records confirm that the telephone number(s) associated with [redacted] ’s account are currently invalidIf a valid telephone number is provided, skip tracing activities will discontinueFor your convenience, I have asked Research Specialist Joshua D [redacted] to assist with any additional questions you may haveIf you require any additional information or need further assistance specific to this inquiry, please call MrD [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:a.mto 9:p.m., Eastern TimeSincerely, Shelly BAssistant Vice President Graduate and Professional Services

October 30, 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.You have two consolidated loans with PHEAA, Our records indicate both loans were disbursed on November 15, The first was disbursed in the amount of $20,901.09, and the second was disbursed in the amount of $22,As payments were not received consistently, your loan fell severely delinquent causing [redacted] , your servicer, to submit a guarantee claim to your guarantorAs your guarantor, PHEAA purchased your debt on January 31, The total outstanding defaulted balance totals $75,as of the date of this letterThis consists of $60,in principal, $3,in interest and $12,in collection feesEach of your consolidated loans carries a 6.750% fixed interest rateYour account accrues approximately $in interest every thirty days.Per your inquiry, you indicated that you were under the impression your account was in forbearanceUpon review, your account has been in deferment or forbearance seven (7) timesBelow is a chart of how your forbearances were applied.# Deferment/Forbearance Type Requested Effective Dates Forbearance Temporary Hardship 8/27/- 12/28/ Forbearance Forbearance Temporary Hardship 01/27/2009-03/28/ Forbearance Forbearance Temporary Hardship 04/27/- 08/28/ Forbearance Forbearance Temporary Hardship 09/27/- 03/27/ Forbearance Forbearance Temporary Hardship 04/27/-09/04/ Forbearance Forbearance Temporary Hardship 09/05/2010-06/09/ Forbearance Forbearance Temporary Hardship 06/27/- 02/26/ Forbearance Additionally, per a conversation on June 18th, 2013, you requested a Student Loan Debt Burden Forbearance be placed on your account based on receiving an income of $As you failed to return this form and ignored our attempts to contact you, your account exceeded days delinquent and defaulted.Due to your failure to remit monthly payments, PHEAA assigned your account to [redacted] ***., an outside collection vendor, to assist you in resolving your outstanding debt Please contact [redacted] directly at ###-###-#### to satisfy your account or enroll in the Default Loan Rehabilitation programIf you choose to pay your account in full, please call [redacted] ***to obtain an accurate payoff figureIf you choose to enroll in the rehabilitation program, your required monthly payment will be calculated based upon your Adjusted Gross Income (AGI) and family size or the completion of the Financial DisclosureFormIf you choose to qualify for the rehabilitation program based upon your AGI and family size, please be prepared to discuss your three (3) most recent tax filingsYour monthly payment will be calculated by taking fifteen (15) percent of the amount by which your AGI exceeds percent of the U.SDepartment of Health and Human Services poverty guideline amount applicable to your family size and state of residence, divided by twelve (12)Additionally, you are required to provide a copy of your most recent tax filing to substantiate your AGI and family size If you choose to qualify for the rehabilitation program based upon completing the Financial Disclosure Form, your monthly payment will be set at your total amount of available discretionary funds (income minus expenses)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 expensesYou 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-Financial-StandardsTo aid in the expedient processing of your form, you are encouraged to include documentation for any expenses which exceed the IRS’s allowable expensesThe 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 contingent upon a returned rehabilitation agreement letterAfter successfully completing the rehabilitation program, we will request that the credit bureaus remove the prior loan default reported by PHEAA, Your account is considered rehabilitated after the completion of this process, not the remittance of your ninth paymentIf monthly payments stop prior to the completion of this process, you must restart the qualification periodSince voluntary payments have not been remitted, you are risking the seizure of any federal funds you believe you are duePHEAA sent you a letter dated August 13, advising you have days to establish a satisfactory monthly payment to avoid this nonpayment consequenceFederal regulation C.F.R§ 682.410(b)(6)(V) clearly states that a guaranty agency must attempt a federal offset against all eligible borrowersIf you have any questions, please contact our office toll-free at 1-800-233-Representatives are available to assist you Monday through Thursday am to pm EST and Friday am to pm ESTRespectfully,Erica L Call Center Supervisor PHEAA Default Collections

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

Although their calculations on my fixed rate educational loan through PHEAA are correct, the business uses their website to make your life difficult and charge you extra fees and interest When I told them that I didn't qualify for the grant program and that my grant would have to be repaid as a loan (I got a job out of state and didn't meet the requirements for completion), they proceeded to ignore the fact that my address had changed and instead sent all the information to a year old mailing address When I called asking them about late fees and interest accrual, they said that I was responsible for the fees because the information was available online Fast forward to today, and they show a balance due on my bill, but it doesn't include interest That is only shown on my online account They use the excuse that the interest is calculated daily so they can't send you an accurate figure on a paper bill They should be required to list everything that I owe on the bill they send me with a date on which the information is accurate Every person doesn't have internet access, so to effectively hide their interest information from them is just wrong

12/11/ 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

February 20, Dear ** [redacted] : Kindly accept this letter as a formal response to the inquiry AES received through the Revdex.com (Revdex.com) concerning the status of [redacted] * [redacted] ’s educational loan accountYou are listed as the co-maker on the loanWe trust that the following information will be of assistance AES previously serviced both subsidy portions of your Federal Spousal Consolidation Loan disbursed on December 12, on behalf of the owner, [redacted] - As the former contracted, third-party service provider, AES administered the loan in accordance with the terms of the signed promissory note and federal regulationsAES was required to perform billing, credit reporting, and other servicing related activities It is important to know that both the husband and wife are equally responsible for the repayment of a Spousal Consolidation LoanOne of the parties is listed as the "main" borrower and the other is listed as the co-makerRequests for deferments or forbearances may only be approved if both the borrower and co-maker qualifyThe requests may be for the same or different types of deferments or forbearances As you may recall, AES received two Unemployment Deferment requests from *** [redacted] on July 5, and August 22, Since AES did not receive any Unemployment Deferment requests from you, both requests were denied and denial letters were mailed explaining the situationAES records confirmed that the account reflected on a reduced repayment planIn addition, you and *** [redacted] had maximized all the available time of the Temporary Hardship Forbearance Therefore, as a result of non-payments/late payments the loan previously defaulted from AES’ servicing system and transferred to our guarantee division effective October 18, You may contact its office directly at ###-###-#### If you have any additional questions, you may call our Customer Service Department at ###-###-####Our loan counselors are available Monday through Friday from 7:a.mthrough 9:p.m., Eastern Time Sincerely

9/10/ Dear [redacted] : While we regret the concerns received in [redacted] ’s 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

December 1, 2014Dear [redacted] : This letter is a formal response to your inquiry received through the Consumer Financial Protection Bureau (CFPB) concerning your educational loan account serviced by American Education Services (AES)AES services one, privately-insured Alternative Undergraduate Program (ALPLN) Loan on behalf of the holder, [redacted] ***Because AES is not the holder of the loan, it does not have the authority to alter or negotiate the terms of the Credit Agreement and must administer the loan in accordance with the terms of the signed Credit Agreement.Our records verify that, since you have already utilized a total of months between the Temporary Hardship Forbearance and the Reduced Payment (RP) plan, your loan was not eligible to receive an additional period of the RP planWe regret that you were previously informed that your loan was eligible to use the RP plan againIt is critical that borrowers are always provided timely and accurate information, and you may be assured that we have addressed the situation with the necessary individualsTo assist you, AES forwarded your inquiry to [redacted] for further reviewRecently, its office authorized AES to apply the RP plan to your loan, beginning with the installment due January 13, In addition, [redacted] authorized AES to apply an Administrative Forbearance to your loan from May 13, through December 31, Accordingly, the account now reflects a current status, and a payment of $will be due by January 13, for your loanIf you have any questions or concerns, please contact our Customer Service Department at 800-233-Loan counselors are available Monday through Friday from 7:a.mto 9:p.m., ETSincerely,ShellyBAssistant Vice President Graduate and Professional Services

RE: Revdex.com Complaint ID [redacted] Student Loan Account of [redacted] *** Contract Disputes Dear Ms [redacted] : Thank you for your recent correspondence regarding the student loan account of [redacted] ***, serviced by FedLoan Servicing on behalf of the U.SDepartment of Education, Federal Student AidWe have reached out to Ms [redacted] directly, by letter dated May 1, 2015, to address her concernsAt this time, we are awaiting any response she may haveIf you or Ms [redacted] should have additional questions, please contact her Borrower Experience Advocate, [redacted] , by email at [redacted] or by phone at ###-###-####We thank you for bringing this matter to our attentionSincerely, FedLoan Servicing Customer Service Department [redacted] FedLoan Servicing • [redacted] Harrisburg PA 17106-Please let us know if we can provide additional information AES Customer Service

August 1, Dear [redacted] ***: This letter is in response to an inquiry AES received from the Revdex.com (Revdex.com) regarding the status of your educational loan accountWe trust that the following information will be of assistanceAES previously serviced one subsidized [redacted] Loan ( [redacted] ) and one unsubsidized [redacted] Loan ( [redacted] ), both disbursed November 12, 2004, on behalf of the owner, [redacted] As the former, contracted third-party service provider, AES administered the loans in accordance with the terms of the signed promissory note and federal regulationsAES was required to perform billing, credit reporting, and other servicing-related activitiesBy signing the promissory note, you were responsible for the timely repayment of the entire debt, including all accrued interest, the entire principal balance, and any applicable fees.We understand from your recent inquiry to the Revdex.com that you are disputing the unfavorable information that is still listed on your credit reportYou also stated that you did not receive assistance when you contacted AES to discuss your credit reporting concerns.Our records confirm that you have not spoken to an AES loan counselor since February 4, However, AES received an email from you on July 22, In response, AES provided information that same dayA copy of the email is enclosedAES submits unfavorable information to the nationwide consumer reporting agencies when an account reflects a designated level of delinquencyAs a result of non-payment, the loans were accurately submitted to the nationwide consumer reporting agencies as being at least days delinquent in April 2012; days delinquent in May 2012; days delinquent in June 2012; days delinquent in July 2012; and days delinquent from August through December As a result of the severe delinquency, the loans defaulted from AES’ servicing system and transferred to the guarantor, the [redacted] (***), effective January 24, To obtain current information on the status of the loans, you may contact [redacted] directly at ###-###-####Pursuant to the Fair Credit Reporting Act, U.S.C§ 1681s-2(a), companies which furnish data (such as AES) to credit reporting agencies are prohibited from knowingly reporting inaccurate informationBecause AES can verify that the unfavorable information was reported accurately, we cannot lawfully remove this informationIn addition, the unfavorable information will remain on your credit files for no more than seven years.If you have any questions, please contact our Customer Service Department toll-free at ###-###-####Loan counselors are available Monday through Friday from 7:a.mto 9:p.m., ETSincerely, Shelly B Vice President, Loan Operations

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:The calls have not stopped and the fact that I keep explaining the same thing that Iam not working and don't have money at present time to make the payments at the current place in time leads to the same type of bulling and harassment by your representatives telling me "I better pay, that they don't care and will continue to call me no matter what, that they have the right to harass me" they called this morning and I told the mI don't have the money that I contacted the Revdex.com in regards to there harassment and was told by the representative " why did you call the / what are the gonna do? Your wasting there time just pay us now and stop wasting there time cuz now now your definitely gonna be receiving way more calls you'll see." I lost it I can't believe that these representatives think they have the right to harass and bully people like this, every time they call Im at the verge of tears with there belittlementI just want to point out that the representative that contacted me at 10:am is the same representative that harasses and bullies me verbally incisively over the phone so bad thats me cried and made me start this complaint to begin withAs I stated before Im not working and can't afford the payment plan designed as I have explained before and want nothing more than to defer or forebear my payments if that is not something available right now then what I need is for this company to STOP contacting me over the phone to contact me only by email and by mail, the harassment, bulling & belittlement from there representatives is extremely out of line and out of place, which I won't and refuse to take anymore Regards, Arabelis G [redacted]

June 27, 2014Dear ** [redacted] :Kindly accept this letter as a follresponse to your most recent inquiry to the Revdex.com (Revdex.com) concerning the status of your educational loan account, serviced by our officeWe trust that the following information will be of assistance.AES services the subsidized (SUBCNS) and unsubsidized (UNCNS) portions of your Federal Consolidation Loan which was disbursed September 7, 2005, on behalf of the owner, [redacted] 2012-As the contracted, third-party service provider, AES administers the loan in accordance with the terms of the signed promissory note and federal regulations.AES understands that you believe that the $refund was not returned to youHowever, to the contrary, AES did send a refund check (# [redacted] ) for $to [redacted] , your bank’s bill-payer service, on June 10, 2014, and we confirmed that the check was cashed on June 17, 2014.Please note that AES has no control over the processing time needed by [redacted] to return the funds to your bank accountThe amount of time depends on the method in which the bill-payer service processes the returned fundsTherefore, you may wish to contact your financial institution’s bill-payer service in order to expedite the return of the funds to your account if you have not yet received them.We trust that this information is sufficient for your needsIf you have any additional questions, you may call our Customer Service Department at ###-###-####Our loan counselors are available Monday through Friday from 7:a.mthrough 9:p.m., ET.Sincerely,

April 3, Dear Ms [redacted] : While we regret the concerns received in Mr [redacted] ’s complaint, we sincerely appreciate the opportunity to resolve them Rest assured this inquiry has been assigned to a Borrower Experience Advocate who is diligently working toward a resolution We take all concerns included in the complaint very seriously Please be advised that the Borrower Experience Advocate Team member will be providing a formal letter shortly, along with direct contact information to our office, should any additional concerns arise Best Regards, Jessica N [redacted] Borrower Experience Advocate 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 responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Upon the initial rejection of my application AES told me they were able to read the application fine and did not understand why it was returned illegibleThey told me to resubmit my application again because they had deemed it legible and it should be approvedI did it a second time and was denied againI argue that they are misrepresenting themselves and trying to deny my forgiveness as Lon as possible so I have to pay more interest The only party that gains from this forgiveness process taking longer is AES as they make money off additional interest from the portion of my loan that should have been forgive They are to blame for the drawn out process and the application form even gives permission for anyone to call me or the third party that completed my formThey should be responsible for the interest on the forgiven part of my loan that would have already been forgiven If they were an honest and reputable business Regards, [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the businessIt is a shame that they chose to ignore me in my phone calls to try to straighten this out over the phoneI never received any help or follow up to my problem directly from AESThey are uncooperative and don't seem to care about the consequences for the people they are servicingIn reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

February 13, 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.SDepartment of Education, detailed belowLoan Disbursement Loan Original Principal Current Principal Sequence Date Program Balance Balance 09/10/ FFELP Subsidized Stafford $8, $ 09/10/ FFELP Unsubsidized Stafford $12, $ 12/28/ Direct Subsidized Consolidation $17, $16, 12/28/ Direct Unsubsidized Consolidation $31, $29, 10/10/ Special Direct Subsidized Consolidation $1, $1, 10/10/ Special Direct Unsubsidized Consolidation $1, $ 10/10/ Special Direct Unsubsidized Consolidation $4, $3, 10/10/ Special Direct Unsubsidized Consolidation $1, $1,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 Unfortunately, we are unable to comply with your request.As you may recall, loan sequences 3-transferred to us effective June 10, 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 and onto our automatic payment service, Direct Debit.Loans sequences 5-subsequently transferred to our office effective November 12, Unfortunately, we were unable to honor any automatic payment arrangements you may have made with the prior loan servicerConsequently, 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 suspendedAs requested, we suspended your Direct Debit service for July 2014, and we informed you that loan sequence 5-were not set up for Direct DebitWe also noted that you would need to send us a Direct Debit application so that we could enroll loan sequence 5-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-because we did not receive a Direct Debit application from youBecause you did not manually submit any payments, loan sequence 5-became delinquent.Accordingly, we placed telephone calls and sent you letters in an attempt to notify you that loan sequence 5-were delinquentWe also provided you with several letters, copies of which are enclosed, to inform you of the delinquencySeparately, please note that the Direct Debit notification letters we have sent to you on a monthly basis since June indicate that only loan sequences 3-are currently enrolled in Direct Debit.Because we did not manually submit any payments or submit a Direct Debit application, loan sequences 5-remained delinquentAs a result, we reported loan sequences 5-as at least days delinquent for December 2014.Please note, however, that because loan sequences 5-are considered to be one loan, we merged the entries for these loan sequences on your credit report (“tradelines”) into one tradelineAs 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 (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 timeConsequently, FedLoan Servicing is unable to remove all of the credit reporting submitted for December 2014.Loan sequences 5-presently reflect a current status as a result of the payments you have recently submittedTo maintain a current status on loan sequences 5-8, you must manually submit another payment of $by March 2, 2015.If you would like to enroll loan sequence 5-in Direct Debit, please complete and return the enclosed Direct Debit applicationYou may also enroll through your online account at MyFedLoan.org.The next automatic payment of $for loan sequences 3-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.OBox [redacted] Harrisburg, PA [redacted] ###-###-#### [email protected] hope this information is helpful to you.Sincerely,FedLoan Servicing Customer Service Department

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: AES did NOT provide a valid reason for refusing to release me as cosigner on my daughter’s loan and for avoiding to address my complaint The reason they denied our release request was “On-time payments are defined as being received no earlier than five days before the due date and no later than days after the due date”, however, the Credit agreement does NOT reference the definition of on-time payments and does not stipulate that payments must be received no earlier than five days before the due date and no later than days after the due date Unless AES can show me exactly were my signed contract states the definition of on-time payments, I must again reiterate my complaint about the unethical lending practices that AES adheres to Regards, [redacted]