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Report: #1426914

Complaint Review: American Education Services - Harrisburg Pennsylvania

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  • Reported By: Judy — Honolulu Hawaii United States
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  • American Education Services PO Box 2451 Harrisburg, Pennsylvania United States

American Education Services ,AES attempting to collect loans I do not owe - demand higher interest rate than provided on notes I do owe Harrisburg Pennsylvania

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Dealing with American Education Services (AES) is very difficult.  Each time you speak wth them on the phone, they give you a different story and generally its not the truth.  They require you to provide them with all kinds of paperwork before they will even look into your questions.  They are attempting to collect 4 student loans from me.  I took out 2 student loans from the federal government while I was in School.  I never had any dealings with AES until after I left school and all of a sudden they started harassing me.  I told them 2 of the loans they were trying to collect were not mine and demanded they provide me with a copy of the Master Note I signed and each of the account sheets and  receipts I signed when the loans were made to me.  They said since they were student loan, none of the credit laws applied to them and they did not have to give me any documentation.  I filed an appeal with the Student Loan Ombudsman's Office.  That did no good, After months and month of waiting, that office changed staff about every month, they finally did find a copy of the Master Note, but none of the attachments showing how many loans, the amounts of the loans, the dates of the loans or the interest rates were included.  The Ombudsman's Office said that AES had finally given them that much and I should be happy to get that.  They agreed that since these were student loans, none of the credit laws applied and they did not have to provide documentation showing that i really owed the loans or that I had ever signed for the loans.   In fact, it appeared to me that the Ombudsman's office got tired of me calling them every two weeks so just ruled in favor of  AES to get rid of me.  At least their staff were nice and polite but they were always new.  

The Federal Student Loan Office of the Department of Education does have a record of the student loans, reported to them by the college I attended.  (I believe the college secretary recording the loans accidently recorded some other students loans on the line across from my name instead of across from his or her name.  I do not believe there was any fraud, just a simple mistake, that a review of the actual loan documents were correct.)  These records are the only records AES has to prove I owe the debt.  They have no original documents, no proof that I received the loans or signed the required receipts.  However these records clearly show the interest rates of the loans.  AES chooses to ignore the interest rates listed and has been charging me much higher interest rates from the begonning when the Dept. of Education assigned the loans to AES.  I have called them several times asking them to correct this mistake.  I have written to them twice.  First they told me I have to send papers proving what the interest rates were.  They they said only the Department of Education could provide them information.  They they said they didn't have to change the interest rates, I would just have to pay it.  The bottom line is that they refuse to make the corrections.  I first contacted them asking for the changes in October 2017, telling them that I wanted to pay off the loans and needed an accurate payoff amount.  I believe one of the reasons for all their delay and stalling is to prevent me from paying off the loans so they can collect more interest.  

In addition, even though I have either made my payments on time or been on deferral or been on an income based payment plan where my payments were zero, they reported that I was late in making my payments.  When I pointed out to them that my payments were zero so how could I be late, they said I should have sent back the invoice with no payment so that made me late.  They have purposely ruined my credit because I filed the appeal with the Ombudsman.  

Some of their employees are rude and nasty on the phone, not all of them but enough of them that I hate dealing with them.  None of them seem to leave notes in the file so each time its like I have never called.  They don't read the letters or make notes and in fact one emplyee told me they ignored letters.  

 

This report was posted on Ripoff Report on 02/02/2018 03:49 PM and is a permanent record located here: https://www.ripoffreport.com/reports/american-education-services/harrisburg-pennsylvania-17105-2461/american-education-services-aes-attempting-to-collect-loans-i-do-not-owe-demand-higher-1426914. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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