American Education Services Reviews

My advice to everyone is to contact the Bureau of Consumer Finance Protection at https://help.consumerfinance.gov and file a complaint. I have already submitted my complaint, and I hope that every else on this site does the same thing. I am also planning on talking with a lawyer with regard to my rights as a consumer.

A few years later I checked my credit report to find that they had listed me as 120 days delinquent because of their error. When I called to see if I could correct this, they said, no, they did not consider it a serious problem and there was nothing I could do about it. I again called the Student Assistance Corp who confirmed that they too could to nothing about it and I had no recourse. No one I could file a complaint with or request further action. That these companies are making billions off of students and former students and allowed to treat their borrowers with such contempt is obscene.

I called and was told my loan was interest only. Had no idea. A complete waste of so much money at this point. I am now on email for trying to get them to call me to discuss other options. I am really disappointed in myself and in them. I realize that it's not all on them that I didn't check sooner, but is their zero oversight on their practices??

So that day I get them on the phone. I'm going off asking why this info did not come to me via paperless mail. She said all kinds of stuff that I don't remember. I was very upset. I told the lady that I want to see the application that I already sent to them. She said she could not send that to me so I told her who can send it to me. I had to talk to two other people before I could get what I wanted and the forum is still not here. And I have an IBR on loans that I feel like I should not have to pay back because I was kicked out of two other schools and going to college was a waste of time because my license is expired and I have no way of getting that back. I could not even find a job. I still can't.

Since then I have been harassed, had my nursing license suspended until I paid them 6 months of money on their bill to show I was going to work with them. I had to write the state representative to get my License reinstated. Oh and also my husband died in 1999 so I went back to school working on my BS. Had to stop because my mom got breast cancer but paid that loan for 1 semester back in full. I even asked the person how I would have been able to get another student loan if I still owed the one in 1993 and they could not tell me. Anyway in 2011 I got sick and am now disabled with lupus and RA and until I got the loan "dismissed" by NELNET they have taken all my tax refunds, any incentives and still none of it shows being applied to the so called loan.

I found a paper that shows I have paid over 18 thousand dollars on a 6 thousand dollar loan and sent them the proof and am unable to get anyone to acknowledge it or call me and I have left messages. They have destroyed my credit, caused me years of stress and I am now praying for a miracle that I can someway figure out how and who will help me get my money back and fix my credit and stop these people from doing this to someone else. This is a very condensed version of the harassment and abuse I have gone thru. If anyone out there has a suggestion I welcome them.

After the conversation I had with the lady my loans was suppose to be in forbearance. I argued with the lady, asked why she harassing me, my loan is in forbearance. Rep said the previous rep that I told I wanted to be in forbearance said I hung up before she can read it off. I told her "the call are monitor, pull the recording, I never hung up, she hung up on me." Next thing I know it's on my credit report. They wouldn't let me speak to supervisor..I can't wait to pay this loan off. I wouldn't recommend this company to anyone!!!!

It has taken me months to change my private loans to a different date so I can pay a specific amount of extra money towards those loans alone. After 16 phone calls, they said they had it correct and that it would be direct debited as usual. I just got notice that those loans were delinquent (I immediately paid them and called again). No notice from the company. Instead I happen to check to make sure and sure enough I knew this was going to happen. I also lost my perks (lower rates) because their company did not automatically debit one month randomly. I fought this as far as I could go and of course a letter was returned to me stating it was my fault and a "board" sat and denied my requests for those perks to be reinstated.

There are several incidents like this every year that take every ounce of energy to correct (if they do)! I can't trust ANYTHING they say to me...ever. I wish I could switch companies, but unfortunately it doesn't seem up to me who services my loans. I'm waiting to have some loans forgiven due to my public services. I'm sure this will get messed up even though they promised this to happen in January of 2016. My two larger private loans are currently (finally) at a low enough rate that banks can't beat. I'm stuck with AES. It is truly a nightmare. A completely incompetent company with incompetent employees (even if they sound nice over the phone).

Well fast forward about a month later, I receive a notice in the mail telling me my account was now being charged off. I try to explain to the charge off company this is a mistake and they tell me to then contact AES. I contact AES and after a lengthy hold I was told they don't know what happened about it because they no longer have the account. I told them they have to know something because they sent it. They then tell me that they can make the decision at any time to send the account to be charged off if it is delinquent and when I made the payment it was already in the process. This is something that was never told to me when I was being pressed to make the payment. The whole point of the payment being made was to avoid this. I told them this was unfair. They apologized and then got quiet. Needless to say I got nowhere but put behind with this negative on my credit report and left to pay the full balance of $28,000. Ugly move AES.

I denied the loans were "spousal loans" and she agreed to send me the IBR forms, but insisted the loans were Spousal Loans. Then, 1 hour later, after I filed a complaint with the Consumer Financial Protection Bureau, I received an email stating this: "We received your request for Income Based Repayment (IBR) on which you indicated that your spouse has outstanding Title IV Student Loans. In order for AES to process your request with your spouse's loan debt, we need the following information: Your spouse may grant AES temporary access of this information (60 Days). Your spouse must complete the following steps: Log into NSLDS (Nslds.ed.gov). From the Financial Aid Review page, select the Authorization button. Enter 700141 in the Organization Code field and click Submit."

Again, I adamantly denied the student loans were "Spousal Loans" and AES refuses to this day to send me the IBR forms without following the above steps. This is absolutely coercion. By law, if an individual asks (I've written and called) for IBR forms, then AES must provide the forms by law without ANY contingency. Please contact CFPB immediately if this is happening to you and I advise you to contact them anyway regarding this deceptive company that HATES people.

As consumers we should be able to get a Class Action Suit going against them--They seem like they want to keep you in debt and basically discourage you paying off your debt with messing up your credit--I noticed before I started rapidly paying of the loan, they noted that I had only missed one payment--Something very crooked going on here--we need to take action!

I submitted a deferment request to AES, which went ignored. I started getting phone calls. I spoke to two different people there and told them the issues I was having and one of them said she took care of the deferment - I just needed to send in my pay stubs. I faxed them in (Twice). I never got a phone call, letter, or email from them. I found out my deferment was not approved when I got a notice that I had negative items on my credit report. THREE negative items on my credit report. I then emailed them (I work all day and don't have time to sit on the phone unfortunately) ... about five times with LITERALLY no response. I then submitted a forbearance request (still no response) and I am currently even enrolled in school.

I start Fall Semester in three weeks... and they are still showing my payment is past due... a payment of over $1000.00 by the way, that I simply can NOT afford. I have loans with another co. and they have been very helpful and have not sent anything to my credit agencies and have already approved my forbearance request. This company is horrible and unfair. There is absolutely no reason I should have any negative marks on my credit report. I'm extremely UPSET!

I also requested something in writing stating that I'm charged a daily interest rate not a monthly. They don't have that but she can produce one for me. Also asked for a payment schedule. She said she will send that as well. My mind is blown that they do not inform you that you are paying a daily interest rate. Also I am now permanently disabled and they do not offer lower payments. The only way they will do that is if I was 30 days late, but because I am making on time payments, I do not qualify. What is a person to do!

I estimate that I have paid at minimum $20,000, likely $25,000, to these two lenders (XPress Loan Servicing and AES) over the past seven years. Yet my principal amount due has only decreased by about $3,000. Though I have sometimes been on the interest-only plan, I have requested to be on the level plan for years. Yet I was just informed that I was on the interest-only plan until March 2014. Even if I were on an interest-only plan, at 4.75% interest rate, this does not add up. Where has this money gone? On April 24, I requested a full payment history from AES, including payments from XLS, going back to 2007. As of May 11, I still have not received this payment history. I called AES on Tuesday, May 6 and was told that the request is "being processed" and that I should have it by Friday, May 9.

When I mention I was looking at our online account they blocked me out of it since I was not the main loan holder. The kicker is they then told me that if I wanted to play it safe I could still make payment. WTF!!! No thank you. Now I am back at square one and in the process of setting everything up again. Thankfully I am a month ahead and just wanted to confirm that was correct because knowing them they'll find a way to change it and add a late fee. I just don't understand how one can make payment on their loans when you get locked out of your account? Thank God this is just a small loan that is almost paid off. This is by far the WORST Loan Company I have ever dealt with. SALLIE MAE (dare I say because I hate them too) is better than AES.

I have called in the past to set them all as having the same due date. It did for a while then 2 due a few days before the other one. Now randomly 2 are due on the 5th of the month and the other on the 18th. I have no idea if changing the date caused the automatic withdrawal to go through, but shouldn’t have seeing as one out of 2 due on the same day was taken out. But I still get multiple phone calls and emails. I am so fed up with them and because of their screw ups and unwillingness to fix anything they are screwing up my credit. I have looked on how to fix this and unfortunately everyone who has had problems similar to this have had no luck fixing their accounts or their credit until it’s paid off. I looked into it and you can send all the proof you want but the Better Business Bureau or Credit people will contact them with what you send them.

Even with all the proof you send if AES says their account is accurate then they close it. They are the worst company I have ever dealt with and if I had known what I know now I would have either not gone to school or saved up until I could afford to pay on my own (even if it took me 40 years) because the way they harass you, your family (my dad cosigned for me so he gets more calls than me sometimes & they found out who one of my sisters is and send her mail addressed to me) and they are the ones not doing their jobs. I don’t know how they manage to stay in business and are able to get away with the things they do.

I checked his credit status with 3 credit companies and he's had a "potentially negative" report from AES on all 3. He sent a check immediately to pay in full but report now reflects 150 days late. We have filed dispute with the AES/PHEAA,credit companies, the Consumer Financial Protection Bureau, PA Attorney General. What a scam for PTI and PHEAA and AES!!!! I want my son's credit reports corrected. I think he should be refunded the fees and interest, as well.

Knowing they would not work with me, I found it useless to call them to talk about it. I emailed them (after getting several phone calls) and told them my situation, reminding them that they would be the last to be paid, as I told them would happen years ago. They have Key Bank taking over my loan now, so I don't know where the fault lies for all of the constant phone calls every day. Suddenly, the calls stopped and then a letter threatening me with "any legal" options that would be at their disposal if I didn't come up with the $2,827 balance within ten days.

If I've been unable to scrape together the $85-$90 for the past three months to keep up on payments, how do they expect that I'll be able to get $2800 together in ten days? They make no sense, and I don't appreciate being threatened with some mysterious "legal" action. I never and still don't intend to default on the loan. If I were going to do that, why wouldn't I have done it when the loan was $10,000 instead of just $2800? You would think I owed them a massive amount of money, and even if I did, they should not be threatening me with anything when I already told them in writing that I have no job.

Most recently, I requested a payoff amount on loan, and paid that amount immediately (at that instant) online, and even though I was ahead on my payments on all loans, AES billed me yet another $46.00 the next day (as evidenced on line) for the same loan I had just paid off a day earlier using the payoff amount they gave me. Wanting to see just how far they would really go, I immediately paid them another $46.00 online. (That was day 2). The next day, AES billed me another $.01 for the loan that I had paid off - now, twice. They later claimed through their customer services people that this was accrued interest! On WHAT exactly?? These guys are criminals. That's for sure.

On another occasion, I mailed a "Payoff" check by mail to their designated payoff address; the $700 check was then incorrectly applied to all outstanding loans, and the loan was not paid off as I had specifically requested in writing. Only after raising hell was this resolved, and they still managed to milk another $200 out of me in the process. On yet another occasion, I mailed a monthly payment along with a letter detailing AES deceptive and illegal trade practices. AES refused to cash the check. They also refused to cash a replacement check.

Weeks and hundreds of dollars in late fees later, one of their "cracker jack" lawyers with the PHEAA, d. b., c. d. v. wrote me claiming that my checks had a restrictive endorsement on them (an outright lie). There was, of course, no mark on the checks that would have prevented them from being cashed as usual. Of the loans I have now paid off, I have paid 2X the original amount even though the interest rate has always hovered around 3%. I have never been in default. Yet the principal on these loans seems to have grown by leaps and bounds. Things that make you go "hmmm." I've filed complaints with the BBB, the FTC, and Consumer Affairs. At times, they have been forced to answer. Of course, as long as these criminals are protected by corrupt politicians, the banking lobby, and a lame duck, good luck. Mamas don't let your babies go to college on borrowed funds. Better they pick oranges for a living. Truly.

Another strange thing about AES at tax time, when I check how much student loan interest I paid for the year, the number is always very low and often $0. I'm honestly not sure how my payments are being applied, but I have another student loan I got from Wells Fargo at the same time as this AES loan and for the same amount, and every year I pay $300-500 in interest on that loan. It just doesn't seem quite right that they should be so different. Also, Wells Fargo sends me a nice little tax form promptly in January. AES makes you hunt around on your online account for it, and hope it's still there if you get audited.

When I've had to speak with AES in person, they've always been polite and helpful. I give AES less than 5 stars because these folks seem to have some serious issues with keeping their stuff straight. The situation that I had is admittedly a confusing one, but computers don't get confused. The people entering data into those computers do though, and garbage in = garbage out. There are some folks at AES putting some garbage into their computers. What happened was this: my dad co-signed on a loan for my brother and one for me with Bank of America, which were later bought by AES. Several years later, my brother died, and my dad took over his payments. Soon after, I was unemployed, and my dad took over my payments as well. My dad isn't real tech-savvy, so he had to call and have the bills transferred to his house so he could pay by check. AES stopped sending me a bill, and only sent one to him.

A few years later, I was employed, but my dad wasn't, and he moved in with me. He was getting 2 AES bills a month - one for me and one for my brother. I would open them and see which was mine and pay it. After he moved out, I called to request that my bill start coming in my name again. They were down with that. Then I asked if they could stop sending the one for my brother's loan. Of course, they wouldn't do that, my dad had to call himself. I was like "You're really going to keep sending a bill here, even though I told you he doesn't live here and he's not getting them?" Yep. I understand that it isn't really kosher to have them change his address, that they need to verify identity, etc. But surely they could stop sending the bill, or at least maybe call him and ask him what he wants to do. Even if they thought I WAS perpetrating some type of fraud, shouldn't they call him to let him know? And at the very least, if and when he did contact them to start getting a bill at his new address, I didn't want to still be getting one at my address.

The first month after this call, I got two bills in MY name, instead of one in my name and one in my dad's. So I open them both. Sure enough, there's mine, with its manageable payment of $50/month. I open the other one and my eyes about pop out of my head, looking at the bill in MY name, for $292, and the total owed is more double mine. It took me a few minutes to realize it was my brother's bill, now strangely in my name. I panicked for several minutes thinking that trying to solve the stupid mix-up with the bills and names and addresses was going to end up strapping me with my dead brother's outrageous student loan for the rest of my life.

I called them, and after explaining the situation, it wasn't all that difficult to get it resolved. But I had to ask, how does something like this happen? How do you just go and put another person's name on an account? I expressed how gravely concerning this all was, and the rep assured me it would all be straightened out. It was, as he was able to restore my online access after I had gotten myself locked out years earlier, and since then I just pay my bill online. I still get my brother's bill in my dad's name every month though. And my dad is one of those "I don't pay unless I get a bill people", and I only see him every couple of months to give him his mail, so I know he is getting a bill mailed to him too. So these ** are sending the same bill to the same person at two different addresses.

Other than what I have mentioned, AES is just another loan company. Whether the practice of loaning students money is bad or good isn't really the issue here. What they are doing is legal and done by hundreds of other companies. How you decide whether AES is good or bad is to compare how they treat you and handle your account with how other companies do it. In my experience, AES isn't awful, but they aren't great.

So he sends me out a new bill dated for the 15th. I mail it out on Friday the 8th! I come into work on the 12th to a delinquency email stating I'm 11 days past due. So I call them and ask them why this is saying this yet I have a bill at home re-dated for the 15th and he proceeds to tell me there's no way I have a bill that says that because their system says I owed it on the first. I said, "I pulled a paper bill from your company out of thin air?" Not only did he say that, but he also stated that they have no record of me speaking to ANY of their reps about the matter at all!!!!

So he gets his supervisor on the phone (Renee) and this made me laugh because not only does she see that I spoke to someone but gives me the exact date I spoke to them but also tries telling me that they have no date change in their system. I said, "Ma'am I'm telling you I spoke to them" and why I called that day. "At first you guys denied me ever calling there or having record of the call. Now you see I called, even have the date, but are still denying the changes made." So the loan amount was originally for around 1,400 or 1,500 I've been paying on this account for almost a year.... My last statement the balance was for 300. She tries telling me that 300 is what I owe, that's past due and that I owe 1,265 left on the account itself!!!! I said, "WHAT?!!!! My payments are only 150 a month."

"I'm apparently late on ONE PAYMENT according to your system by 11 days (yet your bill says it's due the 15) which makes it NOT LATE but even still if it was my payments are only 150 a month," I said, "not to mention the whole loan itself was only for like 1,400 and it been paid ON TIME for almost a year. Where THE F do you get 1,265?!!!!!!" I said, "DO THE MATH. THAT DOES NOT ADD UP!!!!" So she blows right over what she just said and tries to go back to the date changes. I said, "No, no, no go back. Let's talk figures again because what you're telling me is you're trying to get me for another 1000 dollars that doesn't exist. Is that what you're telling me?" Well she blows right over that then proceeds to ask me if she's being recorded and I said, "If I am so what? Why are you being so paranoid if you're not a scam artist?!"

So long story short she wants me to fax over a copy of the last statement that CLEARLY says the balance is 300 and that the next payment was due on the 15th. She said once they have that they will review it and make any changes needed. WE WILL SEE ABOUT THAT... Poor company and just another flyby scam artist using the HARDWORKING AMERICAN TO GET A FAST BUCK AND THEY SHOULD BE ASHAMED OF THEMSELVES!!!!!!

Once I lost my job I called to make arrangements to pay what I could. They would not negotiate; they wanted arrears and full amount each month. We stopped paying because, we could never get caught up, and they would report us each month anyway. My mom went from an 804 credit score to a 458, which devastated her. My credit has always gone up and down, but I was trying to get it back up and there was no mercy whatsoever. I tried to make a payment and they refused to negotiate. Why are we the ones who are suffering from what should be illegal? We have to get together and start lobbying against this. When you have had enough and really ready to take action, let's do this. I am ready to get started but we need to ban together and start working. You can email me @ **.

When I make a payment using their phone system I enter in my social security number and confirm the account I want to make the payment against. Entering in my SS number should immediately identify the loan on which I am the co-signer. After making a payment I receive a confirmation number and confirmation that the payment once posted will bring the account current and I receive information on the next payment date.

I recently made a payment on August 20, 2013 to bring the loan current. Two days after I made the payment to bring my son’s loan current, AES issued another letter stating the August payment was past due. I immediately called them and was told the payment I made, specifically intended for the loan I co-signed, was not fully applied to the one loan, it was distributed across other student loans that my son has with them. I am not the co-signer for these loans. I asked how they can take the payment I made that was intended for a specific loan and apply it to other loans. This was a blatant misuse of funds received from me.

I received several different stories: 1. I was told I must have entered in the wrong account. No so - I entered in my social security number and the account was located using my ssn. 2. Then they said, maybe I entered my Social Security number incorrectly - then how did they locate the loan at all? 3. I was then told - I did not make the payment. Their system showed the borrower (my son) made the payment. Again they could not explain how, my SSN number was entered, my bank account, etc… and I am in no way associated with the payment. Basically I was told, the confirmation I received documenting my payment and when the next payment was due, meant nothing!

Since the confirmation code I received meant nothing, the rep I was speaking with refused to reverse the amount applied to the other loan and apply it correctly. I demanded to speak with a supervisor, and then another supervisor. In the end, I would have to send documentation to show that I made the payment, however the account would still show as in default until this was cleared. And of course, I was given the option of making another payment. They also suggested I set up automatic payments from my checking account. NO WAY would I ever give them access to deduct payments from my checking account.

Please be aware, by saying any payments they receive, regardless of who makes it, shows it was made by the borrower in their system, they can then take that payment and allocate it to other loans, leaving the intended loan in default. In doing this, AES can continue billing and calling, and practically ruining your credit standing by continuing to report the loan in default. And, at the same time, the late fees continue to build up.

When I inquired about leaving Walden, I was told by Walden that it would be better not to withdraw from the university and let the money from my loans stay on my account (which is considered acceptable by AES and other universities). Walden collected money from AES for courses I did not take and refused to return the money to me or AES. I asked both Walden and AES to investigate and sent a detailed chronology, records, emails, and anything related to my course of study and student loans showing that I accumulated a large student loan bill, without receiving services in return from Walden (to me, this is fraud).

Long story short, AES made ONE inquiring phone call to Walden that couldn't have taken more than 5 minutes because they called me back after the phone call. While I dislike sending AES money that I don't think I owe, I send them a payment every month and generally pay more than the minimum. I can't count how many times I have been notified that my payments have not been received or are late even though my bank records show payments were made. It is a racket and we are held hostages.

Now I'm wondering if this company isn't playing the same game that the mortgage servicers did. Incorrectly applying payments, adding fees to accounts, etc. My advice to all who have this horrible servicer is to pay attention and do NOT put up with their shenanigans. I plan to pay my loan off as soon as possible and get out of this nightmare. Save every piece of paper, document every conversation, and scrutinize the paperwork.

Dan's comment is extremely interesting and I have to agree that since last year, I have noticed my balance (despite paying monthly) has gone up even higher than last year. Disgusted. Looking to pay in full next month to end ties with AES (who took over my Sallie Mae account without my knowledge almost 8 years ago). Unbelievably difficult company to contact. Complete ripoff and scam.

Where to start... You have to be proactive. Go to the website, look at lower payments, deferments and forbearance on your own. Don't sit around waiting for your account to fall delinquent and then ** because they credit reported you. When you're late, a creditor has every right to contact you, your co-signer and negatively impact your account (with late fees or negative crediting). If you don't qualify for anything then you obviously make enough to pay your bill if you cut back on some other things and live within your means instead of far above them.

They offer an interest rate reduction if you do direct debit and if you make so many on time payments, you get an even bigger reduction no matter how you make your payments. You have no choice in your servicer for Federal loans unless you get them consolidated somewhere else and even then they could be sold right back to AES. They don't have to ask your permission before doing this. As far as income based repayment, you have to be careful. If you don't reapply or don't re-qualify at some point your payments will balloon to pay off within 10 years. So be careful and make sure if you apply for it that your income won't be changing much over the next 25 years. Private loans have no options. Don't take them out...ever.

Someone made a comment about the calls after just a few days. Would you rather they negatively report you or add fees because you forgot? If they waited until you were 60 or more days past due it would be too late to stop that from happening. The calls are to avoid that. For co-signers, don't co-sign unless you realize that if the borrower doesn't pay, you are just as responsible as them and you can be negatively credit reported too.

It seems like a lot of you just don't understand what it means to take out a student loan.

Then, I got the letter demanding a payment while these people, American Educational Services, know from what I have told them that I cannot pay them, and from what I see in the comments at this website, it looks like I may have to declare bankruptcy to get them off of me. You cannot get blood from a turnip. I do not like lawsuits, and I see below that you give me the option of having an attorney call me. I will not say below that I want an attorney to call me, but if some attorney bothers to actually read this first and then make the call, I would consider hearing what an attorney has to say. I have a word of advice for poor people who want to go to college these days and know that they won't be able to pay for it if things turn sour: don't!

I have tried to do private student loan consolidations through two other banks, Wells Fargo and Suntrust and to no avail; I did not qualify for consolidation. Now mind you, these loans are being reported as negative to the credit agencies but at the same token, I am stepping out there trying to make the situation better and to also get our (my cosigner and mine) credit rating up. Nobody is trying to work with us or give us a chance and we just can't afford $500 payments every month. AES is unreasonable. Something needs to be done.

The rep called my sister, the co-signer, and my sister called me to listen in. The rep told her that I defaulted and the payments I made, and was told it would make my bill current were partial payments??? WHAT??? The rep I spoke with to set up the payment never mentioned anything about partial payments (and they say calls are recorded?). My sister told him that she didn't know what game the company was playing, but it wasn't right. My mom told him that it was wrong to do people like that and the rep told my sister, "Tell your mom to shut up! And you all people like to talk. HAHAHA." The rep was laughing and I told my sister to hang up.

What can I do? Enough is enough. I am a diabetic, I have high blood pressure and other health issue. It is too much. The rudeness and harassment has to stop.

I paid on time for 6 years and experienced a layoff. I called them immediately to set something up but they refused to offer a different repayment. Their agents even left messages that I would be taken to court (on my work and house numbers!) My dad had heart surgery but they kept calling a number they should NOT have called (I deleted it since I moved) and threatening! Finally, when I called them, I somehow got a normal person on the phone and he told me about deferment which although BAD would be affordable while I get on my feet. He slashed payments by 80% for 2 years although after I got a job I paid the same amount as original.

I have also had issues with them mixing up my loans so that it looks like one is overpaid and the other one is delinquent. Then they start their automated calls, which cannot be stopped even if THEY ARE WRONG! Last time that happened, the woman on the phone was beyond rude and refused to fix the issue - she was very condescending. I was a Regional Sales manager at the time and she was the WORST example of customer service ever. After I got on the phone with her manager, the problem was fixed in 2 min.

Biggest issues are customer service, help with payments if something like the whole economy tanks and obviously people need help (some kind of short-term plan for at least 3-6 months while you get on your feet), and the automated calls that won't stop even if they messed something up. A co-worker had them call her deceased father who co-signed and her mother was grief stricken. They tried to have her pay the debt! I really hate that they can sell these loans off, so you think you are dealing with your bank and then have some strange place in charge of your loans.

The rude, young woman I spoke to never gave me an opportunity to ask any questions since I was not on the account. She said she would mail a form out for my husband to complete/sign in order to add me on the account. I asked if it could be emailed and happened to mention I could check to see what email we had on the account (I was at my computer with account info on screen). At that moment, she told me I could not be on the online account and she would have to lock the account, which she promptly did.

I can only imagine how rude they will be when I have to ask my husband to call back in order to get the account unlocked. I understand that I was not on the account and she could not speak to me, but she need not need to lock the account. This is a very unprofessional service and I can't believe that the US government would hire such a company.

This type of occurrence is an unjust business practice. It is better to have a client maintain payments by acquiring a lower monthly fee opposed to not making any payments. It is a grave stressor, yet I still remain current with my account. Any students seeking educational loans should indeed seek out former loan recipients to understand what loan companies truly have their best interest and is willing to work with individual's pending life circumstances. In many cases, loan recipients have had shark tank experiences at various levels. My experience is not a golden answer to the screams for help, but it adds to the multitudes in hope that changes will occur within the round table of AES executives and outlying staff in providing quality services and meeting essential needs to families.

I spent another hour talking to the supervisor/manager on the phone. She was very reluctant to help and insisted that the number used to calculate the rate was different from the interest rate stated on the statement. Furthermore, she did not even review my loan account and accused that ACS previously miscalculated my monthly payment.

I had auto-payment with ACS for the last five years with the same payment and AES unprofessionally accused ACS was doing the thing incorrectly. After spending another hour on the phone, nothing was resolved and I totally have no confidence on how they run business. I felt like my loan was handled and being ripped off by a scam company. Can we have someone audit how monthly payment calculated because I don't see any terms and agreement for my account as well as other details information? I wish I can just payoff my loan so I don't need to deal with them anymore.

I was called again a few days ago by a rude man named Chris who asked when I was going to pay the past due on my account. He became extremely condescending when I questioned him about the past due amount since I was under the impression that the last associate from AES that I spoke with had corrected my account. I was upset by his tone and asked to speak to his supervisor. She noted that the payment had been made but was credited to my account incorrectly by AES. She told me that she would ensure that my account would be corrected.

I received another call yesterday, as did my co-signer. I explained that the payment had been made and that I had already spoken with several representatives. My co-signer also received a call, explained what I had told her was happening to my account and told her that they needed to get their financial records in order. The associate she spoke to told her that maybe I was lying! Seriously? They have it documented that not only made the payment, but that it was made on time (and actually it was made early!). What poor service! This is harassment not only to me but to my co-signer as well! Why has no one done anything about this business yet?

This firm, in my opinion, is not concerned with working with their clients and their situations to ensure that they are able to make payments - I would liken them to some of the shenanigans of the mortgage providers. At this moment, I have filled a complaint with the FTC, BBB and the AG's office of the state of PA. Someone at some point should have advised of my options to try and work out a workable solution for all concerned. They clearly are not interested in working with their clients... My only hope is that by posting the highlights of my situation, someone will pay attention and finally take this company to task for its scamming ways...

My husband and I both have student loans with AES since 2007 (originally $60,000 in 3 loans - payoff is currently a little over $100,000). They are paid every month. I can handle the variable interest rate that make budgeting difficult (also the reason we are not on auto payment like we are with Sallie Mae), and AES refuses to allow us to move to a fixed rate. I can even handle that AES will not allow us to remove our co-signers or consolidate our 3 loans. However, I cannot abide poor customer service. It’s unreasonable and it’s unnecessary. We are paying customers and we do so with little difficulty. There is no justification for the poor treatment.

Repeated phone calls to AES resulted in having to deal with the rudest customer service people I have ever encountered. On two occasions, they asked me to hold, then hung up the phone. Exasperated, I finally put my loans on forbearance so that I could have time to work something out (they were starting to make harassing phone calls to my dad's workplace!). I requested paperwork so that I could apply for the Income Based Repayment plan (which I found out about on my own. They did not share that this option was available despite my multiple phone calls asking for assistance). I filled out the paperwork that they sent me complete with W2s and all other information they asked for. I even included an additional letter, explaining how and why my income decreased significantly last year.

I was told I would receive a reply by mail. Imagine how devastated I was when I opened a letter dated 2/23/13 that had the details of my new payment (without any explanation at all) and my new payment (despite all the info I provided) is now $14.50 higher per month than it was before! Not the kind of assistance I was looking for when I spent half a day filling out the paperwork. I called to ask why I apparently did not qualify for income based repayment on 3/6/13 (again, they did not tell me this; I had to figure it out based on the new payment they sent me) and their answer was "The application you filled out was outdated so you need to fill out a new one." Excuse me? I filled out the application they gave me and send it back in within 30 days. They then stated that they need my handwritten date on the W2s I sent in! This was not on their original instructions. Besides, all W-2s have dates printed on them. Why would I need to handwrite it?

I asked these questions from the customer service representative who said "Well, basically, it's not your fault but you need to fill this paperwork again anyway." Great, so based on my experience plus the hundreds of other complaints available online about this company, they are going to keep coming up with new paperwork for me to fill out every time I try to work out a reasonable payment plan. Devastated does not even begin to describe how I feel right now. I had to get a graduate degree in order to become certified in my current field. I chose to work during grad school to keep my loan balance low. I had no idea I was going to be dealing with fraud, lies, and deceit every month until I turn 53 (which is supposedly when I will have paid these off under my current plan. I'll believe it when I see it).

These people have to be put out of business. I understand that I owe money on my student loans and am more than willing to pay a reasonable payment each month if I see that my loan balance is actually decreasing, but I no longer wish to deal with this fraudulent organization. I never had these issues with any of my other lenders. I just filed an FTC complaint against them and I recommend that everyone experiencing issues with AES to do the same.

In 2008, they called me and pretty much yelled at me for 20 minutes. I told them I was doing my best to make payments. I was also still living on my own out of state. I then told them to please stop yelling and attempting to intimidate a payment out of me. They yelled some more and hung up. I called AES back, made a payment arrangement and made a complaint. Nothing was ever done. I was told that they would notate my account so they have record of this. The debt collector also called my mother's job requesting payment. My mother is disabled and has limited income.

In October 2012, I received phone calls from the Law Offices of Patenaude and Felix on behalf of AES and they wanted me to pay $600 a month and I only make about $650 a month. I asked if something else could be done and they said that I could pay $5,000 down and pay $372 a month. I told them that I made around $600 and could pay $50. They said no; they would only take $5000 down and $600 per month. I feel that both options are not possible for me to do right now. Suing me is a form of harassment. I cannot afford legal fees as a student living on my own with a disabled mother. I should not be subjected to this, since I tried to cooperate.

How did a $6000 loan that I have been paying on become $13,000? This does not seem legal. I have called to see a statement of transactions so I can understand the charges to AES and I have been denied. I do not have money for legal representation. They are forcing me into court, which they can afford, and I am trying to cooperate. They are now fighting me. I should not have to be intimidated in court. They have been intimidating and bullying me for years. All the while, I continue to try and pay off the loan.

AES will never get my children's business, another family member's business, and I will advocate against them to friends and even complete strangers. The years of stress and harassment they have demonstrated to all involved with them by far exceeds more than I have borrowed from them. My loans will be moved from them and I'll become an outspoken public advocate against them. Those are the facts. My only hope is that someone will read this and seek alternative options rather than borrowing from a private lender.

These same phone calls are also placed to my co-signer, who gets stressed out and concerned for her credit for good reason. These phone calls are unreasonable, excessive and harassing. I do keep in contact when I will be late on a payment. I have never been over thirty days past due on the private loans in question and have a record of making monthly payments for the past three plus years. I have tried to change my due date to no avail, explaining my financial necessity for it. I was denied a change in date due to company policy, stating that due to my federal loans being past due, a date change could not be honored. I have further done my due diligence to prevent these federal loans from being past due by calling months in advance to verify that I still had forbearance/deferment time and was told I indeed did by one person. However, months later when I received the bill, I was told I did not. Now to my dismay, my credit has been affected.

Over the past five years, I have had over twelve student loans serviced by four or five different loan companies (totaling $225K) and I have never experienced the excessive volume of calls, if any, from them that I do with AES. I have also never had such poor customer service with different agents giving me different answers; not having their information straight; or bullying me over the phone like they do with AES. I have repeatedly asked them to stop, but have been told that it is within their right to call if I don't keep my account current. To me and many consumers out there trying to make ends meet and doing their best to pay off their debts, this is simply bad business practice.

They seem to be the greasy mobsters of Student Lending. This year, yet again, I was denied my reduction because they lost my signed tax return and did not receive my alternative documentation of income and my spouse information. I still do not have a spouse. The rep said they want both a tax return and alternative documentation of income. What? They will not take documents good enough for the Internal Revenue Service? In the past, they have credited two on time payments to one monthly bill and declared me delinquent the next month. Yes, AES, the greasy mobsters of Student Lending.

Without fail, for the past 3.5 years, I made a monthly payment every month. However, because I was paying more than asked, I have ended up "paying ahead." As I pay ahead, AES has taken the extra money and applied it to upcoming payments. This means that as I pay each month, AES can claim that my payment at the end of the month is not to be applied to the following month's bill but instead will be applied to the monthly bill for several months into the future. Because the payment is being applied to several months into the future, AES claims I did not pay in a "timely manner" (i.e. not within 15 days before or after the due date because I was paying several months’ time ahead), and thus took away my interest rate reduction incentive for 48 consecutive on-time payments.

I believe this is a terrible business practice that should be discouraged or even disallowed. In my case, I have paid every month without fail and paid more than I must. AES should not be allowed to set up billing rules that can remove interest rate incentives by a technicality. In no reasonable person's estimation have I been delinquent or not discharged my responsibilities. Thank you for taking the time to hear my complaint. I hope something can be done to benefit the many responsible borrowers who have experienced this as I have.

We thought that was the end of our dealings with AES - but no. On 8/24, we rec'd a letter saying we were past due on our acct (and we all know the harassing that goes with that). We called AES and said a check was sent to pay off the loan. To our disbelief (although when it comes to AES, nothing should surprise us), AES told us they mailed the check back on 8/23 because they rec'd the check on 8/13 & the payoff amount was not correct because of it being rec'd after the 10th & now they want almost $200 more. Several things didn't add up:

(3) Why on earth would they send the check back over 2 weeks later & not take the time to call & tell us what was going on.

We all know they call about everything else to the point of harassing. I spent over 1-1/2 hr on the phone speaking to at least 4 different people & 3 of them would only give the scripted messages they're told to give. I finally got a hold of someone who was more willing to help. I don't understand why when those of us who are trying to do the right thing get harassed so badly.

No wonder so many people are defaulting on loans - AES makes it almost impossible. I, like many others who have complained, don't understand when one is paying your loan at the amount they've set, why we are not making any headway & actually going backwards on the loan amount. I think there is a lot wrong at AES & I think they need to have an investigation done on them. I don't know if they read these complaints, but there are a lot of things that need fixing at AES. I will be glad when we get things squared around (hopefully that will happen) with them & we can wash our hands from them.

I would tell anyone looking to take out a student loan to steer clear of AES. With so many similar complaints, something's not right. I can't express my dissatisfaction with AES enough. My posting here just scratches the surface of what AES has put us through! If you hear AES, run, run like the wind!

AES keeps harassing me for a payment and when they call, they are really rude and state, "when are you planning to pay?" They say if I don't pay, they will take my house away and will garnish my wages. Can anyone help me? Or, can anyone give me advise on what to do?

I received no notice in the mail and he continued to be rude until I finally had to hang up. He did not apologize for the bill coming on the day that it is due. He said I should have known. I plan on taking this issue as far as I can with whomever I can to make sure that he's held accountable for the poorest customer service I have ever received in my life. I did not call in to be rude, I called in to make sure I was not going to be charged a late fee over something I did not cause. I know that you are supposed to have so many days before having to pay a bill and the sender is supposed to allow enough time for that to happen.

I kept getting these harassing phone calls for at least a few months. I do not understand why the hell they are calling when I'm indeed paying my loan off. I was finally sick of them calling me, so I returned the favor and started harassing them and questioning them on why they keep harassing me about my payment if the amount posted from my cosigner was paid. I continued to tell them that I have online proof from my bank account that shows that the money was taken and they continue to say this line: “It’s ok if your cosigner pays and it will be put towards the loan amount.” I then asked if I should make the payment myself in order to avoid this harassment and they continued to say, “No, either you or your cosigner can make a payment and it should affect anything.”

After several months of my dad making several of the payments and getting the harassing phone calls, I finally got so fed up and I called AES. After four or five months, a lady finally told me that I should be making the payments through my account to specify the loan amount. I had then explained to her that I kept asking everyone from customer service about paying thru my account and then they said no, it would be fine whoever makes the payment. She then informed me from now on to make payment thru my account to assure that the payment was made.

Fast forward to three months ago: I decided to continue my master's program here in NY and applied to several loans in which I got declined. I questioned the reason why because I have a great credit score and pay everything on time. I got my fourth decline from my bank and started crying when I started thinking maybe I won't be able to pursue my master’s degree. I later called one of the banks, which told me that my credit score has been negatively reported and my credit isn't great. I then got worried because I know my credit score was in the 800s. I discussed this with my dad who later confirmed that my score was good. I later called another bank who later told me that AES had negatively reported me to the credit bureau. I didn't understand why and I called AES who then gave me the run around, blaming that it was my fault.

I continued to tell them that I have been paying on time and they failed to tell me that my loan payment had to be paid thru my AES account. Yet again they didn't want to take any blame and kept saying that it was my fault for failing to pay. Last month, my dad made a $200 payment on my loan thru his account and told me that he had done this. I later called AES and told them that my dad made the payment through his account and so it will be there in a few days. They told me that they would make a note, but I constantly still got harassed again. A week later, I went on my AES account and saw that a payment of $200 was made by the co-signer and saw this message: "You are currently in delinquent for 15 days.” I didn't understand because they took the money and said they received it. I checked the payment history and saw that AES has posted the $200 to my federal loans that are not in repayment till 2013. I immediately called and screamed, saying that they had no common sense and can't put two and two together when they saw a delinquent loan account and $200 paid. I later realized that before, when my dad would post money on my account, AES took it upon themselves to pay my loans that were in deferment and not those that are "in school payment".

Due to their unprofessionalism and lack of sense, my credit score along with my cosigner (dad) has been affected. They have no remorse and can't admit that they messed up and are ruining a student’s chances of furthering her education. This is the worse education service and something has to be done! They ruined my life and my future. I am forever going to have this under my credit report and I can't do anything about it. AES is horrible and has unprofessional service.

I contacted AES a year ago to inform them that I was in school. I sent proof of enrollment, to which they simply replied I am not entitled to deferring my loans any further. I am twenty five and have been in school since I was eighteen. I have never heard anything from any financial loan officers throughout all of this time that would ever give me the impression that I would have to pay on my loans while I was in school. I feel that this is extremely unfair, given that I haven't even been allowed the opportunity to seek employment with my degree yet. I have lost my grace periods on these loans, which will hurt me immensely while I seek employment and honestly, I would love to consider going for my PHD, but I am now viewing this through the lens of complete and utter impossibility. How will I be able to go through what may very well be another four to seven years of schooling, while having to work for the university to secure my financial support, making nothing more than maybe $5,000.00 a year and afford paying these loans and any other bills that I may have? How will I eat? Where will I sleep? And how exactly will I be able to live?

I contacted AES and explained to them that I was in school still, at the appropriate status, and that I sent another proof of enrollment, to which I was told to simply pay or fill out a form that would cut the payments in half for a year then the payments would go up to where they were originally plus the half that I cut out. I had to go through Google to find a document archive for AES in order to find the in-school deferment form because they do not make it readily available on their site. I feel that what they are doing is unethical and completely unfair. I would love to know how many other students are in the same situation as me. I am currently finishing my thesis and preparing for my comprehensive examination. This is a time of great stress, but is also a time of fantastic pride or at least it should be. How can I be happy about where I am, when I'm not even being allowed the opportunity to think ahead to the next step in my life's journey? I have many dreams and I have many goals, but now I am finding the doors and windows of opportunity being nailed shut before me.

Why is it that my friends who are students, who have been attending school as long as myself or longer, do not have to pay on their loans? They aren't all personal loans and they aren't loans that asked for you to pay the interest while you were in school. They are simply common student loans! I have loans through Chase bank that are as old as these ones and I am not being asked to pay on those although I have noticed that AES has bought some of them as well and they are in grace period status! I cannot even begin to understand why I am in this situation and furthermore, I cannot even begin to understand how this company can be so unwilling to work with students to find solutions to these issues. I need help with this issue, but I have no idea where to turn to for help. I assumed that this would be one of the first steps to finding a solution.

I hope that someone can contact me with advice on the situation. Maybe I have been misinformed by financial aid counselors throughout my years of higher learning? Maybe AES is correct? I truly feel that American Education Services has wronged me though and I do wish to find a solution to these pains. Any guidance and advice will be greatly appreciated!

Now, they are telling me I need to write them a letter to state my complaint and provide documentation. They should be providing me documentation and I have not received any from them other than a billing statement. All payments have been made and are current, but this is not fair reporting or fair loan terms. I am now receiving phone calls from two servicing agencies telling me I owe them for the same loan. I have disputed the terms on my credit report and it is showing as pending under fair reporting and has been pending for almost 6 months now.

My son and I have now started to receive harassing phone calls throughout the days and nights from Rebecah and Valerie, indicating that the money I am sending isn't enough, and that the last payment received ( December 9, 2011) had been applied toward the September 2011 payment. They are threatening to start assessing late fees, and with taking legal action against us, despite the "good faith" $200 monthly payments I have been making faithfully since May 2011. I spoke with both Rebecah and Valerie today (19Dec11), and advised them that there is no additional money available to apply toward these loans, and that I wanted to continue making the $200 payments. They both insisted that my efforts were not good enough. The only alternative I have is to stop paying anything and letting the account go into collections.

I contacted AES again, after having time to calm down, and spoke with Priscilla who indicated that she agreed that something is better than nothing, but that the only thing she could do, would be to lower the monthly payment to $50 per month for three months, allowing the interest and late penalties to continue accruing. I advised her that I did not wish to do that. I want to continue paying the $200 amount as I have been since May 2011. The only thing that she would do is document the account.

I advised AES that my son and I will no longer accept calls from AES, and that if they actually attempted a block party, involving outside parties into this issue. I will sue. I suggested that there isn't a judge out there, who wouldn't look favorably to our situation, being that we have been paying $200 per month since July, in good faith effort to pay the loan.

On one occurrence, AES bombarded my co-signer and I with rude phone calls saying we were delinquent and threatened a negative hit on our credit reports. I have been late on my payments before, but could not understand the relentless harassment this month. I found that this month's annoyance and bullying was due to AES not applying my payment evenly to all my loans, and one was "delinquent" by about ten dollars. I paid the extra ten dollars to get them to leave us alone.

On another occasion, when my student loan account was current, my cell phone got shut off temporarily due to simply me being broke and paying other bills with my money instead of my phone bill. AES wanted to harass and annoy me during this time, apparently, because a piece of my mail got returned, and when they could not get through to my cell phone, they called my co-signer to harass and annoy her. My mother, who is my co-signer, told them she had no other way of getting a hold of me, the address on my mail was correct, and that it was temporary shut off. But they called her 4 to 7 times a day until my phone was put back on, and called my references as well.

Today, my mother’s house was called seven times by AES. I called them this morning to make sure they had received the paperwork I had sent over a week ago for forbearance. The man was rude, just like most of the customer service agents I talk to over there, and said that, "They had not approved or denied the forbearance" and "They are contracted to call as many times as they want." I don't know how this is possible when the law lists repeated phone calls from a "regulated person" within the company as a form of harassment. After that phone call, which was at 9:00 in the morning, we received seven more phone calls from them until 9:00 at night.

The collection and loaning practices of AES needs to be investigated. This is clearly harassment and the stress these people cause my co-signer and I is harsh and unnecessary. I have read many complaints on AES, and I know they have several complaints not only to Consumer Affairs, but also to the BBB. Some of these complaints frighten me on the legality of my own loan, with many people reporting fraudulent interest rates and practices when AES takes over their student loans. When I can get on my feet again, I will contact a lawyer on the behavior of this company and the circumstance of my loan.

I will list just 2 recent phone calls. I am a co-signer on an account and was trying to obtain information on how to get my name removed from the loan. I was told that I could not because the original loan payment had been adjusted (the monthly payment was reduced). I advised that I was not aware of this. They told me the borrower did not need my permission or signature to get the payment reduced. I asked how and was told that they just don't and my name would not be removed. The representative went on to say that removing my name is actually a courtesy, not just given. The tone was very sarcastic, as if I was a delinquent for even signing for a loan.

I called another time, a week later, to inquire why the payment I mailed was not applied to the account, even though my bank showed the payment had posted. I was told that they didn't have the payment initially but then, they "researched" and found out that they didn't know what account to apply it to. What? I listed the account number on the check. I informed the representative that the reason I mailed a check was because a co-signer cannot make an online or automated payment. She made a smart comment that they could. I explained that I had just got off the phone with the online technical help and he verified that I could not. She didn't apologize, just continued to make rude comments.

I take my debts and bills very seriously and this company has a problem with how they handle business. They will call and harass you when the borrower misses a payment but then you can't make one as a co-signer, unless you talk to a live person M-F. They will threaten you that your credit will be affected but let the borrower make decision without your knowledge on the account.

I really wish something could be done with the way they treat customers and handle business. I understand rules and regulation govern any company/business but there is a way to speak with people. If customer service is your job, you should learn how to talk to the public.

Bernice made a statement that my vehicle was secured for having no insurance. The vehicle was picked up on Sunday and my insurance was canceled on Monday night. I was told that the reason was that I was five days late and it should have been picked up on the first time that I was one day late. During the time that this company claimed that they made attempts to reach me, I was away due to a death and I was unable to get back with them or come in to make the payment that was due at that time. I feel like as though they are very unprofessional with the way they talk and respond to a customer, and I'm feeling as though they took it this far because of being five days late for one payment, and now, they are charging me $800 to get the vehicle back.

I also have been without this vehicle, which they would like me to pay for, going on a week. I always took making my payments very seriously that it has taken me almost five months to be five days late with this company, and not one time did they give me a chance to come in with the payment. If I would have known what I know now about this company, I would have never agreed to go with them. I am very unhappy with Xpress Finance. At this point, I am seeking to clear this vehicle completely out of my name.

I was told my Mr. Burt that the check would be stopped. I received confirmation via phone call and I have fax confirmation. About a month or so later, American Education Services sent postal letter confirmation that an investigation was being done. I have received no more information and not other correspondence from them. I did annual credit check in October of 2007-2010. Listed are student loans with me as co-signer in the amount of $178 k. My credit is a mess and I cannot get mortgage. The reply is that "my debt ratio is greater than my income”. Prior to this co-signing fraud, my credit was 650-700, a good rating.

I am requesting assistance from Consumer Affairs to help me correct this fraud. I have written to American Education Service ever since I was informed that there would be an investigation to get an update. But I got no response. I have also complained to Grambling State University via phone conversation, as it's the university that the college students are attending. And the financial student aide submitted or helped with application for funds. I asked Grambling State University student financial aide rep how could one student get more than 7 loans in one year. And I asked American Education Service rep Mr. Burt the very same question. Each stated that this could not happen and if so, there would certainly be an investigation. This may be true, but no one has done so thus far.

Grambling State University finance (student loans) representative referred me back to American Education Service, the distribution provider. They could not discuss a student's loan with me. This was repeated several times, as I stated I was the person being defrauded as co-signer. I again wrote to American Education, giving them this information. Still, I got no response at all. Yet, I still get this delinquent bills and letters from collection agencies. I explained that these bills are not mine as I did not co-sign for them. No one is listening. And I am still getting these bills with me as co-signer.

Calls from American Education Services and collection agencies are not going out to my sister Carol in Camden, NJ regarding Tamika ** and Laura ** (me). She called me. I told her to tell them to call me. I also told her to call Do Not Call (I gave her the 800 number). I told her to just follow the instructions given and then give them the name of company/institution calling and their phone number. Today, Saturday January 29, 2011, I received another such bill for Willie **.

I have called him (Willie **). He responded with a very dirty and negative e-mail. I then called his mother (my sister). And she responded with Willie owes me an apology and they would handle it as it was some kind of mix up that was over 2 years now. I have e-mails saved of me asking my sister and her son to correct this mess. I also told them that signing someone else's name is a federal offense. I do not know where else to turn. I e-mailed the FBI on the fraud hotline and gave the same information I am submitting to you. I have not received a response. I guess they think I am some kind of nut. I just do not know how, who, or where to turn for assistance. I now submit my request to ConsumersAffairs.com for help.

Now, I am paying over $19,140.00 on a school loan. We did not use that money. The school went out of business. More than $130 is being taken monthly out of my checking account. I have called several places to see what I can do. I can't afford a lawyer, but I know that I don't owe this money. I need help. I have been trying to talk to them but it is like talking to a brick wall. I have been paying this for all these years. Please, who can I contact about this?

This past month I could not make a payment and have been harassed by phone, mail and emails. I called and spoke to customer service and ended up speaking with a supervisor who would only give me his first name of Mitch. I asked to speak to him to file a complaint about how I was treated and he was no better. He and the rest were rude, disrespectful and downright harassing, threatening to turn my account to a collection agency if I did not pay by the end of the phone call, etc. With this latest encounter I am pulling paper work out looking at the balance even closer, and now very concern that I might be a victim of fraud by this company. I plan on sending them a certified letter asking for records on my account from 2004. Is this the right move - what should I do?

The following is what you have been doing to me. First, you sent me a bill with the balance that I supposedly owed. It stated the amount due as $75.06. Second. I paid $75.06. Third, my next bill stated I only paid $30.97 and was delinquent. Fourth, I called your office and talked to Betty. She said that the rest was divided among my son’s loans which were also delinquent. What! He had just renewed his forbearance and had the letter you sent that confirmed this. Fifth, I also mailed you a letter stating that I have zero confidence that you are capable of managing my account. I said that I would make no more payments until you corrected my account and you refused to correct it. Sixth, instead, you chose to put me in collection and never corrected my account.

At this point, an audit of my account is required and a written account to me is required. I believe someone in your employ is stealing money from you at my and many others’ expenses including your expenses to attempt to collect what was an account in good standing. Seventh, it is now impossible to send you a payment because you do not apply it to my account. I do not trust you because you have done this to me repeatedly. Eighth, there became no reason for me to try to make payments when you were not applying my payments to my account.

An internet search shows 1,130,000 complaints against your company so I know I am not the only one you are doing this to. I am retired and travel full time. I have no time to try to keep your company honest. I should be able to trust your company to keep my account correct and you have proved that you cannot be trusted.

I've sent them their documents that stated I was a fraud victim and still they continue to collect on a debt I do not owe. They have ruined my credit by continuing to report negative information to the credit bureaus. They are rude, hostile and very unprofessional when they phone my residence. I have made phone calls and submitted documents supporting my claim and am now at my wits end. I do not know what more I can do to assist them is updating and or correcting my files.

I told the rep that I was uncomfortable with moving forward, however, he talked me into it anyhow, convincing me it was the best decision. After the paperwork went through, my payments were due within 30 days of the call I made. So, the six months I was supposed to have for repayment never happened. I called back and talked with a customer service rep to explain that I didn't feel comfortable with my loan terms, that I had been pressured into doing something I wasn't ready for and that I felt like I had been taken advantage of. The rep, at the time, seemed very empathetic. Yet, it was still never explained to me that I was on a repayment plan that paid interest only or that there was another option on my loans.

Thanks to the lovely AIG fallout, I was laid off of my job in 2008 due to a trickle-down effect. I called back several times while I was laid off from my job and spoke with reps about my plans to repay, how much I could pay and when, and I always kept my end of the bargain. Of all the times I have called Xpress Loan Servicing, no one has ever mentioned that I was on a level 2 repayment plan and that the money I was paying would have no benefit to my principal loan whatsoever.

Two weeks ago (May 20th), I called to speak with a customer service rep because I didn't understand some of the correspondence I had received. For the first time, a representative explained to me that I was paying interest only. I was extremely upset. She promised me that she would speak with her supervisor and that I would receive a call back from her supervisor the next day. I gave her my new cell phone number. It is now June 1st and I have still not received a call back from this supervisor who was promised to correspond with me by May 21st. I have made attempts to call back and email, still receiving no way to reach a supervisor.

So, as it sits, my loan is still a level 2 (not sure what that means still) and my payments are doing me no good. So, of the thousands of dollars that I have given to to XL Servicing, none of it has applied to my loans, leaving me in more debt now than when I started. I feel that they have stolen from me. I know this is not a personal thing, but from my perspective, it feels very personal especially now that I'm being completely ignored. Don't let this happen to you! Shop around and have the companies explain your options. Do not let anyone pressure you into making a rush decision. May you learn from my mistake and never use Xpress Loan Servicing! Issue is still unresolved!

The worst part is my loan amount has now almost doubled due to their constant adding of interest. My monthly payments are so high, I have yet to begin paying and they are not doing anything to help me with this. I offered to pay the most I could each month and they wouldn't take that, instead, again deferred my loan. At which point, they continue to add massive amounts of interest. I don't know how I will ever be able to pay this loan. I constantly worry about the interest I continue to accrue and can't do anything about it. I constantly wonder if this is all a fraud.

Initially, I had consolidated my loans with a company in Florida for a really low locked in interest rate <4%, which was then sold to the predecessor of SLS, which became SLX when CIT Bank bought the company over circa 2005/2006. That loan, was being serviced the servicing company which became XLS, and was a subsidized Stafford, previously consolidated.

I had attended Univeristy of Pheonix Online and had 2 Stafford Loans (one subsidized, the othe unsubsidized) with College Loan Corp in CA, being serviced by ACS Education Services. We had received a letter in the mail saying that SLX had an offer that would consolidate loans and give up to 3% rebate. I called to see if I was qualified, thinking I already have one loan with them, it would be easy to have all the loans together. I qualified for the promotion, and was told I would receive a 2% rebate check, ~$820+ within 60 days of completingmy second payment. I completed the electronic application I received and within 2-3 weeks I received a letter that my loans were funded and disbusred, and received the new terms and payment amounts. This was November 2006.

Previously in Sept 2006, I had received a ltter that XLS just realized by reviewng the updated NSLDS database information that I was no onger taking classes and that my interest payments were due immediately for September. I had less then 10 days between the date the letter was produced and the payment was due, and when I complained, I was told they school didn't notify us oh well, pay or be late, or pay by phone for a small fee. A few days latter,I received the bill for October. I would then be billed for Nov 6th. Meanwhile, the subsudized loan interest through their realizing they never updated their records, was paid for by the government.

The new consolidated loan had the total subsidized loan portiona nd the unsusidized portion, with a total amount due begining Nov 25th. On Nov 13th, I had submitted the request for automaitc debit each month to receive the 0.25% interest reduction, thinking it would reduce my interest payment and pay m loan off ever so slimly and slightly faster, in addition to paying more than the minimum due each month. The first week i December I received the confirmation for auto-debit to begin with my Dec 25th payment for the monthly amount ~141.

I received a letter a few days before my Dec 25th payment that my loan was re-calculated and my new due date would be the 6th of the month, with payments begining Jan 6th, 2007. On Dec 22nd I receive a letter stating my auto debit was changed to the new payment amount and would be taking place begining Jan 6th 2007.

On Dec 26th, 2006, my bank account was debited for the amount of the old monthly payment amount. I called my bank a few days later after taking to XLS to try an rectify why they sent mey the letter and my payments were changed with no avail and so many different stories I talked to my bank and they said the auto debit was also to take place on Jan 6th, and that my only option was to contest on the debits as unauthorized. I filled out the affidavit and sent in copies of the letters and bank statements and communications, and communicationd from XLS, (nearly 20 pages) and the bank reversed the Dec 25th payment. XLS then started demanding the money right away and threatenng to report me to the credit agecies as defaulted because I had missed my payment. They also wanted the monthly payment of 117 and change instead of the original 141 and change, even though monthly interest was 138, because I was paid ahead by paying extra each month previously. They tacked on the 117 to my March statement and sent me a letter saying they were going to withdraw nearly $400 from my account to cover the March payment and the past due February payment of 117.

The rep I talked to told me they would deduct more than my monthly payment, especially because I had checked off and signed off that they could only debit the exact amont of the monthly installment payment indicated in the disbursement- no more no less. Since their letter indicated otherwise, I e-mailed and mailed copies of requests to stop the auto debit for the future and starting sending checks each month.

At the end of March, my loan was sold to SLMA Corporation (dba SallieMae), Bank of New York Trust from SLX/Fifth Third Bank (EFT). XLS continued to state I was late, never paid me my rebate, and finally I contacted the US Dept of Education Ombudsmans Office, NJ AG, SLMA, and the Guarantor. The Guarantor's letter was retrned by the Post Office- mved unable to forward- and I used the address listed by the US Dept of Ed. The Dept of Ed got back to me and settled several issues, some unstatisfoactorally, many I finally hashed ut myself with XLS, I think only because they knew they Dept of Ed was involved and it was noted in my file.

Towards the tail end, THe NJ AG/Division of Banking and Insurance was involved but as they told me they can only try to mediate since they don't regulate Student Lenders. XLS feed the state and feds garbage because they went right back to the same tricks weeks after the cases were closed.

SLMA contacted myself and the called the state back.. They told me they had no recordof purchasing my loans, though I sent them copies of the letter and read them pieces of junk mail and spam I get everyday. They told me that I needed to call XLS and get the check number and amount that was used to pay my loans and call the back, then, they could get involved in looking into the problems with XLS. The state said the person she spoke to at SLMA said they didn't hold my loans currently, but did in the past, and had no idea what I was talking about, they trusted the resolution that XLS had said, that I didn't understand the Student Loan process and repayment process, and other issues were resolved, and all cases were closed.

In August 2007, I received a letter that my loans were re-calculated and my next payjent was going t be due Oct 6th 2007. I called XLS to see why my loans were re-calculated- they said their computers go through periodically to ensre all payments are lower throughout the length of the loan. I didn't believe that, especially since under the Higher Education Act, loans can only be recalculated and payment dates changed if 1) a new loan was consolidated; 2) a forebearance took place as requested by the borrower or by an administrative forebearance; 3) the borrower requested a change i the payment plan/type; 4) the borrower requested a new payment due date. I was removed from the pay ahead status and was told that I would receive a bill for partial interest from July 27-Aug 7th prior to the re-calculation, and that would be due Sept 6 2007 and that would be my last paid ahead stament period.

My Sept statement said the interest was $64 and chage, but the coupon said amount due $14.97. Knowing their games, I called XLS and they said that bill was in paid ahead, I had the option of paying only $14.97 or the $64. I paid the $14.97. I started getting the letters in the mail saying I was past due on my my payments,, when I called XLS they told me I was still obligated for back interest, there were fees from Dec 2006, penalties and interest from June 2006, then another time I was told they didn't get my July 2007 payment.

And so the drama starts again. SLMA has no record of me except the vast spam and junk mail I get. If I switch to another company, I a subject to the new interest rates and will shoot from the 4.00% to near 6.5%. I can try calling the Dept of Ed back and seeing if they can help, but they got pushed over last time.

Since the issues began with the Dec 2006 payment, they tacked on the ~$86 in back interest that was outstaning in June 2007 when they applied a forebearance against my wishes and was later approved and denied, to clear the the back interest. The late fes that had accumulated were supposedly removed by the individual who dealt with the Dept of Ed, late fees and interest have been adding since Sept 2007 since they report I have failed to pay the entire amount due. The recalculation has my payments lasting to Oct 3031, I oy saved pennies each month, under the previous I would have been paid off by sending in a mere $10 extra a month, at least 6-10 months early.

Now, they keep recalculating and adding fees to extend the time to the very end. I als believe by recalculating they will increase the amount of interest paid overall- at least ~$2000 more, if it doesn't get recalculated again. I also noticed that prior to my complaint to the Dept of Ed, the balances were not correct on my account, by some miracle after I complained to the Dept of Ed, the principle suddenly decreased. I would make higher payments and it would indicate $80 towards principle, but nothing would come off the balance, I was told it was paid ahead towards the next months interest, which would lower the interst requirement, but the next month the took the full interest amount, and littile to no principle came off the balanace. after I complained tis seemed to be rectifyed, but now I have to check since they say I owe interest. Since they calculate monthly interest using the avg daily balance like a credit card, it is to their advantage not to credit the balance properly. To date, they refuse to respond t wiriting, email, etc on this issue Instead they keep sending late notices. In January, they sent me an email saying they didn't receive my payment on time, however, they had cashed my check 10 days earlier. I replied back, and they told me they didn't have they information to review my account.