Student loan -- Struggling to repay your loan -- Complaint #17870169
Complaint Overview
Complaint ID: 17870169
Company: Aes/Pheaa
Product: Student loan
Sub-Product: Private student loan
Issue: Struggling to repay your loan
Sub-Issue: Can't get other flexible options for repaying your loan
State: Illinois
ZIP Code: 60061
Date Received: 2025-11-20T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint Against XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Refusal to accept school misconduct/borrower defense application; improper handling of payments ; financial harm. I am filing this complaint because XXXXXXXX XXXX has refused to accept or process my School Misconduct ( Borrower Defense ) application, even though my school was officially found guilty of fraud by the U.S. government. Under federal law, borrowers have the right to submit a misconduct claim when they were enrolled at a school involved in fraudulent activities. XXXX incorrectly stated that they do not accept these applications, which is inconsistent with federal protections and prevents me from exercising my legal rights. I attended a school that was later found guilty of fraud by federal authorities. I requested and submitted a School Misconduct / Borrower Defense application to XXXX. XXXX refused to accept the application and stated they do not accept these forms, even though federal law requires that lenders review and evaluate claims involving school misconduct. Despite making payments, every payment has been applied only to interest, and my principal has not decreased. This has caused significant financial hardship, credit damage, and emotional distress. XXXX has also refused to temporarily pause payments or offer forbearance during the appeals process, even though this is a standard practice when a borrower is pursuing a misconduct claim. Why This Violates Borrower Protections : XXXX refusal to accept or process a legitimate misconduct application effectively blocks me from accessing federally mandated borrower protections. They are also failing to offer reasonable hardship accommodations ( e.g., temporary forbearance ) while my claim is in appeal. I am requesting that the CFPB intervene to require XXXX to : Accept and review my School Misconduct / Borrower Defense application as required under federal guidelines. Place my loan into temporary forbearance while the misconduct claim is being investigated. Correct the handling of my payments, which have been applied entirely to interest with no reduction to principal. Stop any negative credit reporting while the matter is in dispute. XXXX actions have caused : Severe financial stress Damage to my credit Emotional and mental distress An inability to address the debt caused by a fraudulent school I am requesting CFPBs assistance to ensure XXXX complies with federal borrower protection laws and treats this matter with the seriousness it requires.
Frequently Asked Questions
What is Complaint #17870169 about?
Complaint #17870169 was filed against Aes/Pheaa regarding Student loan specifically about Struggling to repay your loan. It was received by the CFPB on 2025-11-20T12:00:00-05:00.
How did Aes/Pheaa respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Student loan) and describe your issue in detail.
Can I see other complaints against Aes/Pheaa?
Yes, visit the Aes/Pheaa company profile at readthecomplaint.com/company/aes-pheaa to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.