Rugport Rugs

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:I have yet to receive any communication from this office. PERIOD!!! POINT BLANK!!! Someone is lying at AES through their teeth!!! Is there a reason why AES has failed to contact me through more conventional means other than postal mail such as, oh, I don't know, the PHONE or EMAIL or FAX????? I provided ALL of that in my ORIGINAL complaint. Did someone just not read???? This clearly supports part of my original complaint that AES lacks the very essence of CUSTOMER SERVICE and they have failed to communicate appropriately with me for months on end. And this only proves the very points I have made in my complaint - they have ignored me!!!! 
Regards,
[redacted]

October 6, 2016   Dear [redacted]:   While we regret the concerns received in [redacted]’s complaint, we sincerely appreciate the opportunity to resolve them.  Rest assured this inquiry has been assigned to Maria, a member of our Borrower Experience Advocate Team, who is diligently...

working toward a resolution.  We take all concerns included in the complaint very seriously.  Please be advised that a formal response will be mailed to [redacted]’s attention tomorrow, October 7, 2016, which will include direct contact information to our office, should any additional concerns arise.   Best Regards,   Jessica N[redacted] Borrower Experience Advocate Team American Education Services

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because:I have not received their response and would like to reject for now so it doesn't auto accept.Regards,
[redacted]

May 22, 2016   Dear [redacted]:   While we regret the concerns received in this complaint, we sincerely appreciate the opportunity to resolve them.  Rest assured this inquiry was forwarded to Pennsylvania Higher Education Assistance Agency (PHEAA) for review and resolution. Please...

know that a formal response addressing the concerns identified in this complaint will be mailed to [redacted]’s shortly.  As always, direct contact information will be included in the letter, should any additional concerns arise.   Best Regards,   Jessica N[redacted] Borrower Experience Advocate Team Lead American Education Services

March 23, 2018
While we regret the concerns included in this inquiry, we sincerely appreciate the opportunity to resolve them. This inquiry has been assigned to a member of our Consumer Relationship Analyst Team, who is diligently researching this issue. A formal response will be sent shortly,...

along with our contact information, should any additional concerns arise.
Best Regards,
Consumer Relationship Analyst Team
American Education Services

July 6, 2017   Dear [redacted]:   While we regret the concerns included in [redacted]’ complaint, we sincerely appreciate the opportunity to resolve them.  You may be assured that [redacted]’ complaint was forwarded to the Pennsylvania Higher Education Assistance Agency (PHEAA)...

for review and response. A formal response will be sent to [redacted]’ attention shortly.  If you have any additional questions or concerns, please let us know.   Best Regards,   Consumer Relationship Analyst Team American Education Services

July 24, 2015Dear [redacted]:This letter is in response to an inquiry AES received from the Revdex.com (Revdex.com) regarding the status of your educational loan account. We trust that the following information will be of assistance.AES currently services both subsidized (SUBCNS) and...

unsubsidized (UNCNS) segments of your Federal Consolidation Loan disbursed May 29, 2007, on behalf of the owner, [redacted] LLC ([redacted]). In addition, AES services five (5) privately insured [redacted] Undergraduate ([redacted]) Loans on behalf of the loan-holder, [redacted] Student Loan Trust ([redacted] Trust). As the third-party service provider, AES must administer the loans accordance with the terms of the signed promissory notes. AES is required to perform billing, credit reporting, and other servicing-related activities.We understand from your inquiry that you have concerns regarding the application of your $208.34 payment received June 26, 2015. You alleged that AES did not correctly apply the payment to the [redacted] Loans. However, AES records confirm that your payment was remitted through AES’ Online Payment Center and was applied to the account as you had requested. When you select the “Make a Payment” button, it is important to note that, beside the “Select a Payment Group” field, the “Loan Services” options is automatically selected, which will cause the payment to be applied to the Federal Consolidation Loan. If you intend to remit an online payment for the [redacted] Loans, please be sure to select the “Graduate Services” option. Furthermore, AES does not alter the information manually entered by a customer when an online payment is remitted. However, if your payment is ever applied in a manner that you did not initially intend, you may contact AES and request for the payment to be reapplied. Requests for payment reapplications may take up to 10 business days for processing, however, the original effective date of the payment will remain the same.On July 6, 2015, AES’ records indicate that you requested the payment of $208.35 be reapplied to the [redacted] Loans. Accordingly, on July 15, 2015 (less than 10 business days) the payment was reapplied to the [redacted] Loans and the effective date remained June 26, 2015. As a result, AES’ records reflect that the installment due July 3, 2015 the [redacted] Loans was not past-due and unfavorable information was not submitted to the nationwide consumer reporting agencies.We regret any confusion you may have experienced as a result of this matter. For your convenience, AES mailed a financial transaction history for both segments of the Federal Consolidation Loan and each [redacted] Loan to your attention under separate cover on July 23, 2015. You may view and print the correspondence from your Paperless Inbox within two business days of when the correspondence was sent. Once you have accessed your online account, click on "Paperless Inbox" in the upper right-hand corner of the screen. You will then be able to view a copy of any recent letters/billing statements that have been mailed to you.Separately, in order to simplify the process of managing your student loan payments, you may wish to enroll in our electronic payment service, Direct Debit. While enrolled in Direct Debit, AES deducts the required installment amount from your designated bank account on the due date each month. Please note all of your loans qualify for a 0.250% interest rate reduction while you are enrolled in Direct Debit (the reduction is removed if Direct Debit is canceled), which would assist in reducing the overall cost of the loan. To enroll in this service, you may complete and return the enclosed enrollment form, or you may enroll online at www.aesSuccess.org. Upon returning the enrollment form or enrolling online, you are required to continue to make payments by mail, online or by phone until you receive confirmation that Direct Debit is scheduled to begin. Please note that if you choose to enroll in Direct Debit, all of your loans serviced by AES will be enrolled. You may, however, provide a separate letter along with the Direct Debit form that includes special written instructions if you do not wish for payments for all loans to be made through Direct Debit.At this time, the Federal Consolidation Loan reflects a current status with the next installment of $72.36 due on August 25, 2015. The [redacted] Loans reflect a current status with the next installment due September 3, 2015 in the amount of $208.34. In addition, the consolidation segments are also current and will be due August 25, 2015 for $72.36.If you have any additional questions, please contact our Customer Service Department at ###-###-####. Loan counselors are available Monday through Friday from 7:30 a.m. to 9:00 p.m., ET.Sincerely,Shelly B.Vice President, Loan Operations

December 7, 2017
Dear [redacted]:
While we regret that [redacted] rejected our last response, we sincerely appreciate the opportunity to continue to assist in resolving her concerns. Rest assured that the information contained in [redacted]’s last communication to the Revdex.com has been under review by a member of our Consumer Relationship Analyst Team, who is diligently researching this issue. Please know that a formal response will be sent to [redacted]’s attention shortly. If you have any additional questions or concerns, please let us know.
Best Regards,
Consumer Relationship Analyst Team
American Education Services

June 12, 2016   Dear [redacted]:   Thank you for notifying us that [redacted] continues to have concerns regarding his federal student loans held by Pennsylvania Higher Education Assistance Agency (PHEAA).  You may be assured that the most recent inquiry from [redacted] was forwarded to PHEAA for review and response.  On June 9, 2016, a formal letter was mailed to [redacted] along with financial transaction documentation and rehabilitation paperwork.  Additionally, the response provides details specific to the current status of [redacted]’ account as well as the rehabilitation process.    We sincerely appreciate the opportunity to continue to assist in resolving [redacted]’ concerns.  If you have any additional questions or concerns, please let us know.   Jessica N[redacted] Borrower Experience Advocate Lead American Education Services

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

June 19, 2016   Dear [redacted]:   While we regret that [redacted] rejected our last response, we sincerely appreciate the opportunity to continue to assist in resolving his concerns.  We apologize for the delay in our formal response.  However, you may be assured that we are actively working to resolve [redacted]’s concern of misapplied payments.  While we are in the process of resolving [redacted]’s complaint, we will be sure to reach out to him directly.  Furthermore, we will also send a formal response to [redacted]’s attention which will include direct contact information to our office, should any additional concerns arise.   Best Regards,   Jessica N[redacted] Borrower Experience Advocate Lead American Education Services

July 31, 2015Dear [redacted]:This letter is in response to an inquiry AES received from the Revdex.com (Revdex.com) regarding the status of your educational loan account, previously serviced by our office. We trust that the following information will be of assistance.AES previously serviced...

your rehabilitated, federally-guaranteed subsidized [redacted]) Loan, disbursed April 25, 2007, on behalf of the loan-owner, [redacted]-1 and [redacted]-1). As the contracted third-party service provider, AES administered the loan in accordance with the terms of the promissory note and federal regulations. AES is required to perform billing, credit reporting, and other servicing-related activities.A review of the National Student Loan Data System (NSLDS) reflects that the [redacted] Loan was originally owned by [redacted]) from disbursement through January 16, 2012. The loan then defaulted and transferred to the guarantor, [redacted]). After successfully completing the loan rehabilitation program, the loan was sold to [redacted] Bank on January 17, 2012 and the servicing-related activities transferred to AES on January 20, 2012. A copy of the transfer letter has been enclosed for your review. Subsequently, the loan was sold to the current owner, [redacted]-1, on October 21, 2015.After receiving the loan for servicing, AES established a separate entry (“tradelines”) on your credit record to represent the servicing history of the loan with our office. As the former servicer, AES was required to submit the status of the loan each month to the nationwide consumer reporting agencies. As a result of insufficient payment, a default claim payment for the full balance of the loan was received on June 6, 2013, and the loan was transferred from AES’ servicing system to the guarantor, [redacted]. Accordingly, AES was required to report the default/claim paid status of the loan the nationwide consumer reporting agencies in June 2013. Because AES no longer services the loan after defaulting, additional information regarding the loan may be obtained by contacting [redacted] directly at ###-###-####.In your recent inquiry, you requested that AES remove the information associated with your loan from your credit record. Please note that Section 605 of the Fair Credit Reporting Act (FCRA) stipulates that a creditor may report on a consumer’s account no more than seven years from the date the account is charged to profit or loss, whereby the creditor then ceases reporting, and the tradeline is then removed from the consumer’s report. Pursuant to the Fair Credit Reporting Act, 15 U.S.C. § 1681s-2(a), companies which furnish data (such as AES) to credit reporting agencies are prohibited from knowingly reporting inaccurate information. Accordingly, since AES can verify that the default/claim paid/transfer status submitted by AES to the nationwide consumer reporting agencies is valid; AES cannot lawfully amend the unfavorable information reported in June 2013. To assist you, your request was elevated to [redacted]-1for review; however, AES was not authorized to amend the information listed on your credit record since no servicing errors occurred and since it must also adhere to the FCRA.If you have any additional questions, or if you are unable to remit payment, please contact our Customer Service Department at ###-###-####. Loan counselors are available Monday through Friday from 7:30 a.m. to 9:00 p.m., ET.Sincerely,Shelly B.Vice President, Loan Operations

June 6, 2016   Dear [redacted]:   While we regret the concerns received in [redacted]’s complaint, we sincerely appreciate the opportunity to resolve them.  Rest assured this inquiry has been assigned to Matthew, a member of our Borrower Experience Advocate Team, who is diligently...

working toward a resolution.  We take all concerns included in the complaint very seriously.  Please be advised that additional research is being conducted at this time and a formal response will be sent to [redacted]’s attention shortly, along with contact information to our office, should any additional concerns arise.   Best Regards,   Jessica N[redacted] Borrower Experience Advocate Team Lead American Education Services

December 9, 2016Dear Ms. [redacted]:While we regret that Ms. [redacted] rejected our last response, we sincerely appreciate the opportunity to continue to assist in resolving her concerns. Rest assured that the information contained in Ms. [redacted]’s last communication to the Revdex.com has been under review by Maria, the Borrower Experience Advocate working Ms. [redacted]’s complaint. Please know that additional research is being performed at this time and a formal response will be sent to Ms. [redacted]’s attention once complete. If you have any additional questions or concerns, please let us know.Best Regards,Nathan H[redacted]Borrower Experience Advocate LeadAmerican Education Services

June 18, 2016   Dear [redacted]:   Please know that AES appreciates its military members and would like to thank [redacted] for her service to our country.  We understand that [redacted] has concerns regarding the application of a Military Deferment and the Income-Based Repayment...

plan, as well as unfavorable credit reporting.  Rest assured this inquiry was assigned to Matthew, a member of our Borrower Experience Advocate Team, who has been diligently working toward a resolution.  Please be advised that additional research is being performed at this time and a formal response to address the concerns will be sent to [redacted]’s attention once complete.    We sincerely appreciate the opportunity to assist in resolving [redacted]’s concerns.  If you have any questions or concerns, please let us know.   Best Regards,   Jessica N[redacted] Borrower Experience Advocate Team Lead American Education Services

1/9/2016
 
Dear [redacted]:
 
While we regret the
concerns received in this complaint, we sincerely appreciate the opportunity to
resolve them.  Rest assured that this
inquiry has been assigned to a member of our Research Specialist Team who is
diligently working...

toward a resolution. 
We take all concerns included in the complaint very seriously.  Please be advised that the Research
Specialist Team member will be providing a formal letter shortly, along with
contact information to our office, should any additional concerns arise.
 
Best Regards,
 
Jessica N[redacted]
Research Specialist
Team Lead
American Education
Services

May 30, 2016   Dear [redacted]:   While we regret the concerns received in [redacted]’s complaint, we sincerely appreciate the opportunity to resolve them.  Rest assured this inquiry has been assigned to Matthew, a member of our Borrower Experience Advocate Team, who is diligently...

working toward a resolution.  We take all concerns included in the complaint very seriously.  Please be advised that additional research is being conducted at this time and a formal response will be sent to [redacted]’s attention shortly, along with contact information to our office, should any additional concerns arise.   Best Regards,   Jessica N[redacted] Borrower Experience Advocate Team Lead American Education Services

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because:  I am not happy being everything the American Education tells you is nothing but lies and they are nothing but liers and thieves.  What I do not understand is that I have paid over 2,000 and the last statement I received from them is telling me I am paid up through January 12, 2019.  Now explain to me why I am paid up 2 years and they have all this money I paid to them and they refuse to apply to the loan.  they have told you so many different stories and lies you believe them before you believe me.
Regards,
[redacted]

August 1, 2015Dear [redacted]:This letter is in response to an inquiry AES received from the Revdex.com (Revdex.com) regarding the status of your educational loan account. We trust that the following information will be of assistance.AES previously serviced one subsidized [redacted] Loan ([redacted])...

and one unsubsidized [redacted] Loan ([redacted]), both disbursed November 12, 2004, on behalf of the owner, [redacted]. As the former, contracted third-party service provider, AES administered the loans in accordance with the terms of the signed promissory note and federal regulations. AES was required to perform billing, credit reporting, and other servicing-related activities. By signing the promissory note, you were responsible for the timely repayment of the entire debt, including all accrued interest, the entire principal balance, and any applicable fees.We understand from your recent inquiry to the Revdex.com that you are disputing the unfavorable information that is still listed on your credit report. You also stated that you did not receive assistance when you contacted AES to discuss your credit reporting concerns.Our records confirm that you have not spoken to an AES loan counselor since February 4, 2013. However, AES received an email from you on July 22, 2015. In response, AES provided information that same day. A copy of the email is enclosed.AES submits unfavorable information to the nationwide consumer reporting agencies when an account reflects a designated level of delinquency. As a result of non-payment, the loans were accurately submitted to the nationwide consumer reporting agencies as being at least 60 days delinquent in April 2012; 90 days delinquent in May 2012; 120 days delinquent in June 2012; 150 days delinquent in July 2012; and 180 days delinquent from August 2012 through December 2012.As a result of the severe delinquency, the loans defaulted from AES’ servicing system and transferred to the guarantor, the [redacted] ([redacted]), effective January 24, 2013. To obtain current information on the status of the loans, you may contact [redacted] directly at ###-###-####.Pursuant to the Fair Credit Reporting Act, 15 U.S.C. § 1681s-2(a), companies which furnish data (such as AES) to credit reporting agencies are prohibited from knowingly reporting inaccurate information. Because AES can verify that the unfavorable information was reported accurately, we cannot lawfully remove this information. In addition, the unfavorable information will remain on your credit files for no more than seven years.If you have any questions, please contact our Customer Service Department toll-free at ###-###-####. Loan counselors are available Monday through Friday from 7:30 a.m. to 9:00 p.m., ET.Sincerely,Shelly B. Vice President, Loan Operations

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: AES has expressed an unwillingness to assist me with my past due amount. As a measure of good faith I have four payments scheduled, with the first one for $110 today.  I have scheduled an additional payment of $115 for 7/28, and will be making payments at least every scheduled payday.  That is the best that I can do.  I am asking AES for assistance with bringing my past due amount under control.  I have every intention of repaying my loan.  I have also contacted AES to request to be switched to the Income sensitve repayment plan.  AES never informed me on any of their paperwork that my new repayment plan needed to be in place 25 days prior to the end of the old one.  When I reapplied for IBR, I was under the impression that I would be given a forbearance to bring my account current and AES apparently lied to me.  They never even informed me that I was denied an administrative forebarance.  I have had a lot of money problems this year, mostly related to automobile repair expenses, medical expenses.  I also had to deal with a job loss this year and have had to take a job that right now may not be around by year's end.  I am asking AES for their assistance in helping me bring my account current and I am very willing to work with them, but I ask for their help.  I have to be able to meet my other credit obligations Please have Shelly B[redacted] contact me at ###-###-#### so we can discuss this issue and work out an arrangement that will be beneficial to us all.  I am asking for AES to help me, since they won't issue a forebarance, would they consider a deferement?
Regards,
[redacted]