Student loan -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4339225
Complaint Overview
Complaint ID: 4339225
Company: Aes/Pheaa
Product: Student loan
Sub-Product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: New York
ZIP Code: 10034
Date Received: 2021-04-29T12:00:00-05:00
Date Sent to Company: 2021-04-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Good Morning, my name is XXXX XXXX and I've formally submitted a complaint on a company called XXXX XXXX. I was under the impression that my monthly payments towards XXXX XXXX was going to my student loans however, when I went to apply for my first credit card years ago - I noticed many negative ( late payments ) marks on my account. It was to my surprise that the payments I was making to XXXX XXXX weren't for my loan, but instead, for a service they offered that consisted of refinancing and monitoring my loan. After paying a few credit repair agencies I was thoroughly helped by one of them. We took a deep dive into why I had so many negative marks on my account, hindering my credit from going above a 600. At a granular level we were able to discover the pattern, my payments towards XXXX XXXX aligned with my late payments to FedLoan. I've given up on seeking justice and getting myself back to where I was before I found out about XXXX XXXX. I'm filing this complaint with the hope that someone will fight for me to get these items removed from my credit report. Kind Regards, XXXX
Frequently Asked Questions
What is Complaint #4339225 about?
Complaint #4339225 was filed against Aes/Pheaa regarding Student loan specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-04-29T12:00:00-05:00.
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.