Pennsylvania Higher Education Assistance Agency

[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: Regards, [redacted] ***

February 13, Dear ** [redacted] : This letter is in response to a follinquiry that AES received from the Revdex.com (Revdex.com) concerning the status of your educational loan account As you may know, AES services the subsidized (SUBCNS) and the unsubsidized (UNCNS) portions of your Federal Consolidation Loan disbursed September 7, on behalf of the owner, [redacted] ***The single Federal Consolidation Loan is divided into two portions on AES’ servicing system for interest accrual and calculation purposesAs the third-party service provider, AES must administer the loan in accordance with the terms of the signed promissory note and federal regulations It is important to note that your Federal Consolidation Loan was ineligible to receive a six-month grace periodOnly your [redacted] Loans that had been included in the consolidation process were initially eligible to receive a six-month grace period following your continuous at least half-time enrollment in schoolAs indicated in our previous response letter, your request to waive the grace period on your [redacted] Loans was processed in order to consolidate themRegardless of whether you chose to consolidate your [redacted] Loans before or after the six-month grace period expired on the [redacted] loans, a Federal Consolidation Loan is still not eligible to receive a six-month grace period following an in-school statusA Federal Consolidation Loan enters repayment status immediately after disbursement, and repayment may only be postponed by a period of deferment or forbearance The list below details the deferment and forbearance statuses applied to the Federal Consolidation LoanAs you may verify, repayment was postponed immediately following disbursementDuring periods of deferment and forbearance, the obligation to remit monthly installments is postponedThe federal government pays the interest on the subsidized portion of the Consolidation Loan during deferment status onlyYou remain responsible for the accrued interest on the subsidized and unsubsidized portions of the loan at all other timesAny outstanding accrued interest may be capitalized and added to the principal balance at the expiration of the deferment or forbearance status Half-Time School Deferment: 9/7/- 8/18/ Half-Time School Deferment: 8/19/- 8/27/ Late School Notification Forbearance: 8/28/- 10/3/ In-School Forbearance: 10/4/- 12/31/ Collection Suspension Forbearance: 1/4/ - 2/3/ Temporary Hardship Forbearance: 2/4/ - 2/29/ Temporary Hardship Forbearance: 3/4/ - 4/30/ Collection Suspension Forbearance: 5/4/ - 6/3/ Collection Suspension Forbearance: 6/4/ - 7/3/ Full-Time School Deferment: 8/- 11/2/ Late School Notification Forbearance: 11/3/- 2/16/ Unemployment Deferment: 3/4/- 8/22/ Full-Time School Deferment: 3/21/- 10/17/ Late School Notification Forbearance: 10/18/- 11/5/ AES receives enrollment certification verification from the National Student Clearinghouse (NSC), which is a website to which some schools report enrollment information for lenders and servicers to accessIf the school that you are attending participates with the NSC and you are certified at least half-time at a Department of Education (ED)-approved school, a School Deferment will be applied to your account, and written notification regarding the status of your account will be mailed to youIf NSC reports that your enrollment status drops below half-time, then adjustments are completed in order to bring the loan into repayment Although you were initially approved for School Deferment from March 21, through December 31, based upon NSC information received in 2011, AES subsequently received verification from [redacted] University that you had withdrawn as of October 17, 2013, and the account was adjusted accordingly on November 5, In addition, as indicated on page 1, AES applied a Late School Notification Forbearance to the loan from October 18, through November 5, to prevent it from reflecting a delinquent statusA letter detailing this information was sent to you on November 6, No deferments or forbearance were applied to the account after this date, and the loan accurately resumed repayment status with a bill due December 4, At this time, your account reflects a current statusThe next installment of $will be due by March 4, If you experience trouble making your payments in the future, additional information on available repayment alternatives may be obtained by calling AES or by visiting the website at www.aesSuccess.org While we regret that we are unable to approve the Consolidation Loan for a six-month grace period, you may be assured that AES is administering the loan in accordance with federal regulations and the terms of your promissory noteIf you have any additional questions, you may call our Customer Service Department toll-free at ###-###-####Our loan counselors are available Monday through Friday from 7:a.mthrough 9:p.mEastern Time Sincerely,

September 22, 2014Dear [redacted] : This letter is in response to your recent inquiry sent to 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 obtained two (2) consolidation loans disbursed on March 24, with a balance originally totaling $6,Since payments were not received regularly, your account fell delinquent causing your servicer, [redacted] ***, to submit a guarantee claim to PHEAA, PHEAA honored its guarantee by purchasing the loans on November 9, At that time, the account was in excess of days delinquent and considered to be in defaultAs of the date of this letter, your outstanding balance totals $5,This is comprised of $4,in principal, $290,in interest and $in collection feesYour account carries a 5.00% fixed rate of interest and accrues approximately $in interest every thirty daysFor clarification on the assessment of collection fees, please refer to your enclosed master promissory note (page 8, section 6) and federal regulations; U.S.C§1091a (b) and C.F.R§(b) (2)Your master promissory note and these regulations clearly state that a guaranty agency shall impose collection costs on all defaulted federal student loansAs voluntary payments were not remitted consistently since default, you are risking the seizure of any federal monies you may have access toYou were notified via a letter dated August 12, that you have days (approximately October 15, 2014) to establish a satisfactory monthly payment agreement to avoid this nonpayment consequenceAdditionally, your account was assigned to [redacted] , an outside collection vendor, to assist you in resolving your account, [redacted] is prepared to discuss the following options to assist you in repaying your account, the remittance of your entire balance in full or enrolling in the Default Loan Rehabilitation programIf remitting your outstanding balance in full is possible, please contact [redacted] directly at ###-###-#### to obtain the current payoff figureIf you choose to enroll in the Default Loan Rehabilitation program, Satisfactory payments will be based upon both your Adjusted Gross Income (AGI) and family size or by completing the Financial Disclosure FormThe 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 letterYour account is considered rehabilitated upon the completion of this process, not upon the remittance of your ninth paymentIf monthly payments stop prior to the completion of this process, you must restart the qualification periodAfter successfully completing the rehabilitation program, we will request that the credit bureaus remove the prior loan default reported by PHEAARegarding your claim that you received no information from us and were unsure where to send your payments, please refer to the enclosed documents, which include letters sent to you between January 3, and November 23, as well as copies of bills which were sent to you between May 7, and August 7, Please note, the above referenced documents all contain a valid telephone number to reach us and were sent to your current address on fileAdditionally, [redacted] spoke with you on February 4, in which you advised them you have no student loans and to not call you againOur records also indicate that we received no telephone calls or emails from you in reference to your accountPer your request, please find enclosed a statement of account, which details your current outstanding balance and payment applicationIf you have any questions, please contact our office toll-free at ###-###-####Representatives are available to assist you Monday through Thursday am to pm EST and Friday am to pm EST.Respectfully, Aaron M Manager

November 24, 2014Dear [redacted] : This letter is in response to an inquiry AES received from the Revdex.com (Revdex.com) concerning your educational loan account currently serviced by our officeWe trust this information is sufficient for your needsAES currently services one subsidized ( [redacted] ) [redacted] Loan and one unsubsidized (UNSTFD) [redacted] Loan which were disbursed November 4, on behalf of the owner, [redacted] Since AES is not the owner of the loans, AES must administer the loans in accordance with the terms of the promissory notes and federal regulationsAES is required to perform billing, credit reporting, and other servicing-related activities.The loans transferred from [redacted] to AES for servicing effective September 18, A letter was mailed on September 26, to inform you of the transfer of the loans, a copy of which is enclosedRepayment began December 1, A bill was mailed on December 6, for the amount $and due December 26, As a result of nonpayment, a day delinquency letter was mailed to you on January 9, to inform you of the delinquency status of the account, copies of which are enclosedAES is a division of the Pennsylvania Higher Education Assistance Agency (PHEAA), an agency of the Commonwealth of PennsylvaniaIn our capacity as a servicer, AES has the duty to collect on the student loansAES is required to contact you regarding the status of the account, until the loans are brought current or has defaulted for non-paymentThrough your inquiry, you also expressed concern regarding the increased loan balancesThe unpaid accrued interest would be capitalized (added to the principal balance) at the end of the grace period and after any deferment or forbearance periodsAES is unable to dismiss any portion of the loan debt, including capitalized interestThe charts provided on the following page detail the financial transaction history during AES’ Servicing of the loansIn your inquiry, you state payments were made to the previous servicer, however the loan details from [redacted] indicate no payments were madePlease note if payments were made prior to the transferring of the loans, you will need to contact [redacted] directly at [redacted] [redacted] Loan November 4, Effective Transaction Activity Amount Amount RemainingDate Type Amount to Principal to Interest BalanceSeptember 18, Loan Transferred to AES $3, +$3, $ $3,500.00January 14, Capitalized Interest $ +$ $ $3,525.26November 3, Capitalized Interest $ +$ $ $3,572.19UNSTFB Loan November 4, Effective Transaction Activity Amount Amount RemainingDate Type Amount to Principal to Interest BalanceSeptember 18, Loan Transferred to AES $7, +$6, +$1, $6,000.00January 14, Capitalized Interest $ +$ $ $7,586.09November 3, Capitalized Interest $ +$ $ $8,463.62Temporary Hardship Forbearance has been applied to loans starting November 3, and ending November 2, During a period of forbearance, the monthly installments are postponed; however, interest will continue to accrue on a daily basisAny unpaid interest will be capitalized and be added to the principal balance at the expiration of this forbearance periodIf you have any questions or concerns, please contact our Customer Service Department at ###-###-####Loan counselors are available Monday through Friday from 7:a.mto 9:p.m., ET.Sincerely,Shelly BAssistant Vice President Customer Service Department

[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 business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I truly appreciate your assistanceI feel that the Revdex.com is out to protect consumers against businesses who feel they can do what they want without repercussionsThank you so much Regards, [redacted]

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

[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 letter from [redacted] , Assistant Vice President of Graduate and Professional Services at American Education Services (AES), inaccurately stated that I graduated from [redacted] University on February 7, I actually graduated from [redacted] University on that date This inaccuracy leads me to believe that there may be other inacuracies pertaining my account Since then, I have attended two universities, none of which led to my graduation One of them was [redacted] University from to and [redacted] Law School from to 2013, from which I should have received a six-month grace period "When you graduate, drop below half time, or withdraw from your academic program, you will receive a six-month grace period for your Direct Subsidized and Unsubsidized Loans Your grace period begins the day you stop attending school on at least a half-time basis Once your grace period ends, you must begin replaying your loan(s)." When I dropped out of my studies at [redacted] Law School at below half time, all of my loans should have been granted a six-month grace period What *** [redacted] seems to be stating is that I can only get a six-month grace period from AES and no more, regardless of whether I decide to start a new course of studies at another university later on I do not believe that this polciy is accurate Furthermore, she is detailing events that took place ten years ago, instead of discussing the most recent loan history In December 2013, for instance, AES notified me about a deferment that was meant to have started on the same month, and that would conclude a month later, on January 2014, not even a full month later after receipt of said notice Now, acording to my calculations, [redacted] Law School should have notified AES about my withdrawal back in August 2013, which indicates that AES was supposed to grant me a grace period from August to January 2014, which is probably why AES sent me the deferment notice in December 2013, five months too late and two months too early from the end of the six-month grace period However, if *** [redacted] can confirm that AES was notified that my withdrawal from [redacted] Law School occurred earlier, then starting payments on December would make sense When was AES notified by [redacted] Law School of my withdrawal? Regards, [redacted]

October 16, Dear [redacted] ***:This letter is in regards to an inquiry AES received from the Revdex.com (Revdex.com) regarding the status of [redacted] ***’s educational loan account, serviced by our officeWe trust the following information will be of assistanceAES currently services a privately-insured Alternative Undergraduate Program (ALPLN) Loans on behalf of the respective owners, [redacted] Trust (***) and [redacted] TrustAs the contracted third-party service provider, AES administers the loans in accordance with the terms of the signed credit agreementsAES is required to perform billing, credit reporting, and other servicing-related activities.The chart below details your loans.Loan Number Disbursement Date | Loan Program | Original Principal Balance Current Principal Balance November 16, [redacted] $21,857, $32,[redacted] November 28, [redacted] $14,207, $18,759.64**The current principal balance is higher as a result of interest capitalization, AES understands you have concerns regarding the interest that is accruing on the account referenced above, and are requesting that the amount you have paid over the years be subtracted from the original balance as opposed to the current balancePursuant to the terms of the signed Credit Agreements, interest on your loans accrues daily based on the Simple Interest methodInterest charges are calculated by multiplying the principal balance, the interest rate, and the number of days elapsed since interest was last satisfied, typically when the most recent payment was creditedThis product is then divided by the number of days in the year to yield the accrued interest amount(Principal Balance) X (Interest Rate) X (# of Days Elapsed Between Payments/Transactions) (# of Days in the Year) Based on the present variable interest rate of 5.910%, your account is accruing $per day or $over a 31-day monthAs required by the Credit Agreements, payments are to be applied first to outstanding collection costs, second to interest, and any remainder to principalPlease be advised that AES is unable to alter or negotiate the terms and conditions stated in these original Credit Agreements which, by signing, you certified to having read, understood and agreeing to the terms thereofFor this reason, AES is unable to comply with your request to waive the accruing interestPlease be assured that, regardless of increases in your principal balance, your loan is set to be paid in full on December 13, At this time, the account reflects a current status with the next partial payment of $due on November 13, If you have any additional questions or concerns, please contact our Customer Service Department at [redacted] Loan counselors are available Monday through Friday from 7:a.mto 9:p.m., ET.Sincerely, Shelly B Assistant Vice President Graduate and Professional Services

9/4/ 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

January 7, 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 services both subsidized (SUBCNS) and unsubsidized (UNCNS) portions of your Federal Consolidation Loan disbursed December 26, As the contracted third-party service provider on behalf of the loan’s owner, [redacted] / [redacted] ( [redacted] ), AES administers the loan in accordance with the terms of the promissory note and federal regulations.AES is required to perform billing, credit reporting, and additional serving-related activitiesAs part of its servicing activities, AES is obligated to attempt telephone calls, generate emails, and send letters to notify you of the loan’s status, should the loan become delinquentThese activities also provide an opportunity for repayment alternatives to be offered, as applicableBased upon the signed promissory note, you are responsible for maintaining a current account status by remitting timely paymentsIf you are unable to remit payments, then you are required to maintain the account in a current status by applying for an available repayment alternative in a timely mannerWe understand from your inquiry that you are disputing the unfavorable credit information existing on your consumer report which AES submitted to the nationwide consumer reporting agencies in August and September AES’ records confirm on October 27, 2008, you made a verbal request with an AES loan counselor for a period of Temporary Hardship ForbearanceAt the time our office received your request for Temporary Hardship Forbearance, your Consolidation Loan was past due from the installment bills due July 20, through October As a result of the delinquent status, your loan was accurately reported to the nationwide consumer reporting agencies as being at least days and days delinquent in August and September AES approved your request for Temporary Hardship Forbearance and retroactively applied forbearance from July 20, through November 24, 2008, which deferred the past and future installment bills due at that timeA letter confirming this adjustment was sent to you October 28, Please note: Although the retroactive application of forbearance removed the delinquency from the account, it does not negate any accurately reported unfavorable credit information previously submitted to the nationwide consumer reporting agencies as a result of insufficient paymentsPursuant to the Fair Credit Reporting Act (FCRA), U.S.C§ 1681s-2(a), companies which furnish data (such as AES) to credit reporting agencies are prohibited from knowingly reporting inaccurate informationSince AES can verify that the unfavorable information was submitted accurately to the nationwide consumer reporting agencies, AES cannot lawfully modify this reporting for youIn an effort to assist you further, AES forwarded a copy of your inquiry to [redacted] for reviewOnce a determination is made by [redacted] , AES will notify you in writing with the resultsAt this time, your Consolidation Loan is current and the next $installment is due February 20, If you have any questions, please contact our Customer Service Department at ###-###-####Loan counselors are available Monday through Friday from 7:a.mto 9:p.m., ETSincerely, Shelly B Vice President Customer Service

11/12/ 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

Dear Sir or Madam, I meant to included attachment, but the form that I originally completed did not allow me to do However, as per your request, I have attached the file along with this reply Thank you!>Sincerely, [redacted]

February 17, 2015Dear [redacted] ***: This letter is in response to an inquiry AES received from the Revdex.com (Revdex.com) regarding the status of your educational loan account serviced by our officeWe trust the following information will be of assistance, [redacted] Bank *** [redacted] Trusts 2012-currently owns and services the subsidized (SUBCNS) and unsubsidized (UNCNS) portion of your federal Consolidation Loan, which was disbursed on August 31, In addition, AES services one privately-insured Professional Education Program (PEPLN) Loan, disbursed May 13, 2003, on behalf of the loan holder, [redacted] Student Loan Trust (***)As a service provider, AES administers the loans in accordance with the terms of the signed Credit Agreement, and in the case of your Consolidation, the promissory note and federal regulationsAES is required to perform billing, credit reporting, and other servicing-related activitiesBy signing the promissory note, you assumed responsibility to ensure timely repayment of the entire debt (including all accrued interest, the entire principal balance, and any applicable fees) in accordance with its terms.We understand from your inquiry to the Revdex.com that you have concerns regarding the application of your most recent Income-Based Repayment application for your Consolidation Loan, in relation to a recent change of your mailing addressAES records confirm there were instances in the past where the address on file was invalidPursuant to the terms of your Credit Agreement/promissory note, you are required to maintain valid personal demographic information, such as your name, address and telephone number, at all timesPlease be aware, that when mail is returned to our office and we are unable to locate a borrower because of an invalid address and/or telephone number, we are required to perform skip-tracing activities, utilizing various resources, in an attempt to locate that personThis may include contacting any personal references listed on the account in an attempt to update your contact information in order to ensure compliance with the Credit Agreement/promissory note.Contrary to the information obtained from your inquiry, AES was not notified of your most recent address change until the bill, dated August 24, 2014, and mailed to [redacted] , Olympia, WA [redacted] , was returned to our office by the U.SPostal Service on October 3, As a result, AES was required to invalidate the mailing address on our servicing system and began to perform skip-tracing activities in an attempt to locate a valid mailing addressThrough our skip-tracing efforts, we were able to locate a valid mailing address for you on October 7, through [redacted] .Furthermore, we understand that you have concerns regarding the effective date for the renewal of the Income-Based Repayment (IBR) plan on your Consolidation LoanBased upon your January 2, verbal request for an IBR application, our office mailed the requested document to your current address the following dayOur office received your most recent completed application for renewal of the IBR on January 13, Upon approval of your application, you were granted Partial Financial Hardship (PFH) payments at $for months, beginning with the bill due on February 13, A letter confirming the approval of the IBR plan was mailed to you on January 14, Please note: because AES previously billed you December 24, (prior to receipt of your IBR application) for the installment due January 13, 2015, you remained responsible for the bill due January 13, for your Consolidation LoanAt this time, your account remains past due from January 13, in the amount of $You are encouraged to remit a payment of $to restore the account to a current status and to avoid additional servicing-related activitiesSeparately, we understand from your inquiry to the Revdex.com that you are displeased with the service you received from AES’ loan representativesAES regrets if you were displeased with the Service you received from our officeYou may be assured that all of our loan representatives are trained to provide accurate, informative, and courteous serviceMany customer service calls are monitored to ensure that optimum service is providedHowever, if you are ever dissatisfied with the quality of service you receive from an AES loan representative, you may always ask for the employee’s identification number and to speak directly with a supervisor to address the situation, AES representatives receive remediation in instances in which it has been determined that they did not handle a call appropriately or otherwise meet our standards for excellenceIt is the goal of AES to provide the highest quality of service to all our customers, and we look forward to continuing a sound business relationship with you in the futureIf 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

December 11, 2014Dear [redacted] :Dear [redacted] : This letter is being sent to you regarding the inquiry AES received from the Revdex.com (Revdex.com) regarding the status of your educational loan account serviced by our officeWe trust the following information will be of assistance.AES currently services seven of your privately-insured [redacted] Loan Program ( [redacted] ) Loans, on behalf of the owner, [redacted] University of [redacted] (***)As the contracted third-party service provider, AES administers the loan in accordance with the terms of the signed Credit AgreementsAES is required to perform billing, credit reporting, and other servicing-related activities.The loans are detailed in the chart belowIt is our understanding from your inquiry that you request our office to revoke outstanding accrued interest from August through September 2014, Our files confirm that on August 25, 2014, we received five checks totaling $90,to AES’ “paid in full” address.Please note that our policy for checks received to this address is, if the amount of the payment is not sufficient to pay-off the intended loan(s), the payments are returned to the original sender due to the restrictive endorsement of the pay-off addressAfter review of the checks received, it was found that the amounts were not sufficient to pay-off the intended loansAs a result, the aforementioned checks were returned on September 3, 2014,On September 23, 2014, our office again received five checks, totaling $90,179.22, to our regular payment processing address, and these payments were processed and applied to the account as specified, effective the date of receipt on September 23, Please be advised that in each instance the payments received were accurately processed in accordance with policy and procedureTherefore, we must respectfully decline your request of reimbursementWe regret any misunderstanding or confusion experienced as a result of this matter.In addition, your inquiry lists an $discrepancyOur files indicate that the check for $20,763,was credited to loan 1, listed in the chart aboveAs a result, loan was paid in full with a credit balance of $You may be assured that refund check number [redacted] for $was mailed on November 5, At this time, loans 2-6, listed in the chart on the first page of this letter, reflect an out of school date of September 10, 2014, with the corresponding six-month grace period ending on March 10, Therefore, there are no payments currently due for these loansHowever, loan 7, due to the interest only repayment option, reflects past due for interest totaling $from October 31, and November 30, 2014, We encourage you to remit payment as soon as possibleIf you have any additional 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., ET.Sincerely, Shelly BVice President Graduate and Professional Services

9/11/ 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

[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 Application that you currently have in your possession is what was submitted and did not indicate receiving or a response to the forbearance that was submitted initially The information is the same as far as the forbearance extension acceptance, that is not indicated on the form or noted on the site itself I will resubmit my most current payroll stub, but you have the most current information I should not have to submit another application Why do you need another one filled out? You have the one that I submitted and I attached it to the caseNothing has changed in monthAlso, you extended the date to March 31st, So what does the months behind have to do with anything? All of the guidelines that you have stated in your response; you have not provided me any formal documentation and it appears that the guidelines are made up as we go back and forth here Also, when I call to speak with customer service or a manager, there should be no confusion on what is required, especially if I reached out to call you The other thing is that you knew about my bankruptcy, so my attorney or I obviously talked to someone at AES, but you stated that you don't have any record of the conversation The application; you have nothing has changed I will submit current payroll stubs, but under the circumstances, I would like for you to request permission from [redacted] , who by-the-way has no idea what is going on and did not know anything about the loan coming back to them which is the reason this complaint was initiated Regards, [redacted]

Hello 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 My financial institution has confirmed that my payment has been returned and will be credited to my account in the next few daysI sincerely appreciate your help in getting this resolvedFor more than weeks I tried to resolve this directly with AES but to no availThanks again Regards, [redacted]

November 7, Dear [redacted] ***: This letter is in regards to the inquiry AES received from the Revdex.com (Revdex.com) regarding the status of the educational loan account, serviced by our officeOur records reflect that you cosigned this account for [redacted] ***We trust the following information will be of assistance.AES currently services the privately-insured Alternative Undergraduate Program (ALPLN) Loan on behalf of the owner, [redacted] (***)Because AES is not the owner 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 its termsThe chart below details the loanDisbursement Date Loan Program Original Principal Balance Current Principal BalanceJanuary 4, ALPLN $31, $39,915.55**The current principal balance is higher as a result of interest capitalizationIn your inquiry, you expressed concern regarding previous communication with our office in which you were advised that you could not obtain a copy of the signed Credit Agreement and Note Disclosure Statement without certain information being redactedPlease be advised that AES is required to adhere to a strict privacy policy when providing such documentation to guard against instances of identity theft/fraud, a serious issue for the entire banking/finance community and its customersHowever, in light of the escalated nature of this inquiry, AES has agreed to provide this documentation with only the first five digits of the Social Security number redactedPlease thoroughly review this information upon receipt of our response, At this time, the account reflects a current status with the next payment of $263.36, which is due on December 9, 2014,If you have any additional questions or concerns, please contact our Customer Service Department at ###-###-####Loan counselors are available Monday through Friday from 7:a.mto 9:p.m., ET.Sincerely,Shelly B Assistant Vice President Graduate and Professional Services

[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 business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

August 27, Dear [redacted] ***:This letter is being sent to you regarding an inquiry AES received from the Revdex.com (Revdex.com), Case no [redacted] , regarding the status of [redacted] ***’s educational loan account, serviced by our officeOur records reflect that you are listed as the cosigner for this accountWe trust the following information will be of assistance.AES currently services a privately-insured Undergrad Alternative Loan Program (UALP) Loan on behalf of the owner, [redacted] ***As the contracted third-party service provider, AES administers the loan in accordance with the terms of the signed Credit AgreementAES is required to perform billing, credit reporting, and other servicing-related activitiesThe chart below details the loanDisbursement Date Loan Program Original Principal Balance Current Principal BalanceSeptember 4, UALP $14, $13,In your inquiry, you expressed concerns regarding late fees that were recently assessed to the accountOur records reflect that AES sent a response letter indicating that payments effective for June 17, and July 11, were returned by your financial institutionThe letter stated that these transactions had been returned and advised you to contact your financial institution regarding the stop payments that were placed on themAs a result of these missed payments, AES assessed a $late fee to the account on July 12, Previously, a $late fee had also been assessed on April 11, in relation to a separate missed paymentPlease be advised that when a customer initiates a payment, he or she is required to enter the correct account and routing numbers in order to complete the transactionAES is unable to add digits to an account or routing number as this process is initiated entirely by the customerIf the combination of numbers is incorrect, then the payment would be rejected by that customer’s financial institution.Upon reviewing this situation, AES has determined that the aforementioned late fee was assessed correctlyAlthough we wish to assist you in any way possible, we must regretfully inform you that our office is unable to waive the referenced late feePrior to remitting future transactions, please insure that the correct account number/routing number combination is being utilized for the account you wish to pay and that, as a cosigner for more than one borrower, you are making the payment from your own online accountIf you prefer making electronic payments on the account, you might consider utilizing Direct Debit, our electronic payment program which, once your correct bank information is on file, would eliminate any possible keying errors when making payments onlineIn addition to ensuring your payments are applied to the specific account you intend on the due date each month, the owner of the loan also offers a 0.25% interest rate reduction for the utilization of this free serviceTo qualify, a borrower or cosigner must complete the Direct Debit application and return it to our office with the account from which you wish to have the funds withdrawnFor your convenience, we are enclosing a Direct Debit applicationShould you wish to apply for this service, please have the borrower or cosigner complete and return the enclosed form to the address or fax number listed on the followingpageAmerican Education Services - Direct Debit P.OBox Harrisburg PA 17105-Fax: 717–720-We also understand from your inquiry that you are dissatisfied with the service you have received from AESYou may be assured that all of our loan counselors are trained to provide accurate, informative, and courteous service to customersMany customer service calls are monitored to ensure that optimum service is providedLoan counselors receive remediation in instances in which it has been determined that they did not handle a call appropriately or otherwise meet our standards for excellenceHowever, if you are ever dissatisfied with the quality of service you receive from an AES loan counselor, you may always ask for the employee’s identification number and to speak directly with a Supervisor to address the situationIf you have any additional 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,Shelly B Assistant Vice President Graduate and Professional Services