Rugport Rugs

May 26, 2016   Dear [redacted]:   Thank you for notifying us that [redacted] has not received our correspondences.  Please know that we will be mailing copies of our previous responses as well as a letter to address any additional concerns identified in his most recent complaint.  A review of [redacted]’s online account has determined that his Account Access is not restricted.  Further, the Income Based Repayment request has been approved and applied to [redacted]’s federally-guaranteed loans.  Please also know that [redacted] has been provided direct contact information for Borrower Experience Advocate, Georga, to discuss any issues he may encounter.    We sincerely appreciate the opportunity to continue to assist in resolving [redacted]’s concerns.  If you have any additional questions or concerns, please let us know.   Best Regards,   Jessica N[redacted] Borrower Experience Advocate Lead American Education Services

November 27, 2017
Dear [redacted]:
While we regret the concerns included in [redacted]’s complaint, 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 to [redacted] shortly, along with our contact information, should any additional concerns arise.
Best Regards,
Consumer Relationship Analyst Team
American Education Services

3/3/2016
 
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...

research.  Please be advised that a
formal response has been prepared, which addresses the concerns identified in this
complaint, and it will be mailed to [redacted]’s attention today, March 3,
2016.  As always, direct contact
information will be included in the letter, should any additional concerns
arise.
 
Best Regards,
 
Jessica N[redacted]
Research Specialist
Team Lead
American Education
Services

September 15, 2017 Dear [redacted]: While we regret the concerns included in [redacted]’s complaint, we sincerely appreciate the opportunity to resolve them.  You may be assured that [redacted]’s complaint was forwarded to the Pennsylvania Higher Education Assistance Agency...

(PHEAA) for review and response. A formal response will be sent to [redacted]’s attention shortly.  We sincerely appreciate the opportunity to assist in resolving [redacted]’s concerns. If you have any additional questions or concerns, please let us know. Best Regards,  Consumer Relationship Analyst TeamAmerican Education Services

1/18/2016
 
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

12/18/2015
 
Dear [redacted]:
 
While we regret that
[redacted] rejected our last response, we appreciate the opportunity to
continue to assist in resolving her concerns regarding the unfavorable
information appearing on her credit report. 
A member of the Research Specialist Team has prepared another formal
response for [redacted] which was mailed to her attention today, December 18,
2015.  We trust that [redacted] will
find our detailed response satisfactory. We ask that [redacted] review our formal letter
and contact our office directly at the phone number provided on the response,
should she have any additional concerns.
 
Best Regards,
 
Jessica N[redacted]
Research Specialist
Team Lead
American Education
Services

June 18, 2015Dear [redacted]:This letter is in response to an inquiry AES received from the Revdex.com (Revdex.com) regarding the educational loan account for [redacted], for which you are listed as the cosigner. We trust that the following information will be of assistance.AES currently services a privately-insured [redacted] Undergraduate Loan Program ([redacted]) Loan, disbursed on December 5, 2008, on behalf of the owner, [redacted] Bank, [redacted] Bank). The loan was transferred from [redacted] Bank to AES for servicing on May 27, 2015. As the contracted third-party service provider, AES must administer the loan in accordance with the terms of the signed [redacted] Private Loan Application/Promissory Note and Credit Agreement (Note), a copy of which is enclosed. By signing the Note, you assumed responsibility with [redacted] to ensure timely repayment of the entire debt (including all accrued interest, the principal balance, and any applicable fees). AES is required to perform billing, credit reporting, and additional servicing-related activities.We understand that you have concerns regarding the interest rate of the loan. Based upon the terms of the Notes, the interest rate on the loan is non-negotiable and, AES, as the servicer of the loan, is not authorized to reduce the interest rates. As detailed in the Notes, the variable interest rate on the loan is based upon the quarterly Prime Rate plus a fixed margin of 10.000% that was assigned by the owner when the loan was originated. As a result, the interest rate for the loan is correctly calculated at 13.250%. Information regarding the interest rate and finance charges was provided to you in the enclosed Note Disclosure Statement. Accordingly, the terms of the Note stipulate that, in no event will the Variable Rate exceed the maximum interest rate allowed by the laws of the State of Ohio.In an attempt to assist you further, AES forwarded your inquiry to [redacted] Bank for review. Consequently, AES was not authorized to lower the interest rate on the [redacted] Loan. However, please be advised that you or [redacted] may enroll in AES’ Direct Debit service which the loan will qualify for a 0.25% 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. While enrolled in Direct Debit, AES deducts the required installment amount from your designated bank account on the due date each month. To enroll in this service, you or [redacted] 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.At this time, the [redacted] remains past due from June 14, 20154 for the amount of $90.45. We encourage you or [redacted] to remit payment a payment, if possible, to restore the loan to a current status. If you or [redacted] are experiencing financial difficulties, you may contact our office to obtain information on available repayment alternatives.If you have any 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

[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: My complaint was pretty simple and can simply be adjusted. I do not believe the company is doing their job in reviewing this case. There is nothing to review. They are sending the same response over and over. They are not doing anything to assist me in resolving this. It can honestly be done within an hour they just refuse to do their job. 
Regards,
[redacted]

July 29, 2015Dear [redacted]:This letter is in response to your second inquiry to the Revdex.com (Revdex.com) regarding the status of your educational loan account serviced by our office. We trust that the following information will be of assistance.As you know, AES services the subsidized (SUBCNS) and unsubsidized (UNCNS) segments of your Federal Consolidation Loan disbursed April 5, 2006. As the contracted, third-party service provider, AES administers the loan in accordance with the terms of the signed promissory note and federal regulations. AES is required to perform billing, credit reporting, and other servicing-related activities. By signing the promissory note, you are responsible for timely repayment of the entire debt, including all accrued interest, the entire principal balance, and any applicable fees.We understand that you did not accept our first response because AES had allegedly expressed an unwillingness to assist you with the past due amount. You also stated that you had scheduled four good-faith payments and asked for AES to assist with resolving the past due amount. We also understand from you inquiry that you had emailed AES and requested for your repayment plan to be changed to the Income-Sensitive (I/S) Repayment Schedule. You stated that AES did not inform you that your new repayment plan needed to be in place 25 days prior to the end of the previous one. In addition, you stated that AES never informed you that you were denied an Administrative Forbearance. It is important to know that an Administrative Forbearance is not a forbearance for which you can apply; rather, it is used internally by AES to accommodate a variety of situations.As previously stated in our most recent letter dated June 25, 2015, AES received your email which stated that you requested a change in your loan repayment status and that you were told the loan was past due. You also stated that you could not afford nearly $600.00 and that you wanted AES to grant a two-month forbearance status. Subsequently, a request was submitted to have an Administrative Forbearance applied your account.On June 30, 2015, AES received your email checking on the status of your two-month forbearance request. At that time, you were advised that the account was granted the Income-Based Repayment (IBR) plan effective July 20, 2015 and that forbearance had not been applied on the account. You were advised that you were responsible for the June 20, 2015 payment. In addition, you were advised to take the eligibility quiz for the best repayment options to postpone your payments.In addition, on July 7, 2015, AES received your Temporary Hardship Forbearance request via the AES website. On July 14, 2015, the Administrative Forbearance request was reviewed and denied because your Partial Financial Hardship (PFH) amount had increased. Therefore, you were not eligible for the Administrative Forbearance. Since you have previously utilized all the allotted time available of the Temporary Hardship Forbearance, that request was also denied and could not be used to cover the installment due for June 20, 2015.AES received your email dated July 17, 2015 in which you requested to change to the I/S Repayment Schedule. At that time, you were advised that you needed to opt out of the IBR plan before you could apply for the I/S Repayment Schedule. An “Opt Out’ application was sent to you on 7/25/15. We regret the delay in updating the account to an I/S Repayment Schedule. However, to assist you, an I/S Repayment Schedule application is enclosed. Please complete and return the application and required documentation to AES at your earliest convenience.Finally, AES records confirm that four payments were scheduled effective July 17, 2015 in the amount of $110.00; July 28, 2015 for $100.00; July 31, 2015 for $115.00; and August 14, 2015 for $91.09, for a combined total of $416.09. At this time, the account reflects in arrears from June 20, 2015 for $617.18 (with $32.70 assessed in late fees).If you have any questions, please contact our Customer Service Department toll-free at 800-233-0557. 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

February 17, 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 additional research is being performed at this time and a formal response will be sent to [redacted]’s attention once complete. If you have any additional questions or concerns, please let us know.Best Regards, Consumer Relationship Analyst TeamAmerican Education Services

January 5, 2018
Dear Ms. [redacted]:
While we regret the concerns included in Mr. [redacted]s complaint, we sincerely appreciate the opportunity to resolve them. You may be assured that Mr. [redacted]s complaint was forwarded to the Pennsylvania Higher Education Assistance Agency (PHEAA) for review and...

response. A formal response will be sent to Mr. [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

July 31, 2015Dear [redacted]:This letter is in response to your inquiry (ID# [redacted]) regarding the status of [redacted]’s educational loan account cosigned for on behalf of [redacted], serviced by our office. We trust that the following information will be of assistance.A...

comprehensive review of the account has been completed. Due to privacy issues, the client has requested for the response to be sent directly to [redacted]’s attention. Therefore, the letter response addressing [redacted]’s concerns has not been enclosed with this letter. If you wish to have the response letter uploaded to the Revdex.com (Revdex.com) website, please provide AES with an authorization form signed by [redacted]. This form has been enclosed for convenience purposes. You may be assured our response addressing the concerns has been sent to [redacted]’s attention under separate cover.We trust this information is sufficient for your needs. If you have any questions or concerns, 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

[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 contacted [redacted] and they are telling me to submit the information. I have, back on 9/9 and again around 12/1. 
Regards,
[redacted]

September 29, 2017   Dear [redacted]: While we regret that [redacted] rejected our last response, we sincerely appreciate the opportunity to continue to assist in resolving the concerns. Rest assured that a formal response to the initial complaint was sent to [redacted] on September 12, 2017.  Additionally, the information contained in the last communication to the Revdex.com has been under review by a member of our Consumer Relationship Analyst Team.  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

April 13, 2017   Dear [redacted]: While we regret the concerns included in [redacted]’s complaint, 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 to [redacted] shortly, along with our contact information, should any additional concerns arise.   Best Regards,     Consumer Relationship Analyst Team American Education Services

March 1, 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 shortly. If you have any additional questions or concerns, please let us know. Best Regards,   Consumer Relationship Analyst Team American Education Services

3/16/2016
 
Dear [redacted]:
 
While we regret the
concerns received in this complaint, we sincerely appreciate the opportunity to
resolve them.  Rest assured 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

July 22, 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 and owns one (1) federally-guaranteed...

subsidized Stafford (STFFRD) Loan and three (3) federally-guaranteed unsubsidized Stafford (UNSTFD) Loans. As the servicing agent, AES is required to administer the loans in accordance with the terms of the signed Master Promissory Note (MPN) and federal regulations. AES is required to perform billing, credit reporting, and other servicing-related activities.We understand from your inquiry that you are requesting a period of Military Deferment based upon your active duty status and proof of your active duty orders that your provided to our office to support your request.AES received three (3) recently completed applications for a Military Service & Post Active Duty Student Deferment Request on May 20, 2015; June 22, 2015; and June 23, 2015; including documentation required to support your request for a Military Service Deferment. Unfortunately, AES was required to deny each of the deferment requests received because the military orders provided to support your request certifies that you were called to active duty for training. As required by regulations applicable to federal student loans (34 C.F.R. § 682.210(t)), in order to qualify for the Military Service Deferment, documentation must be provided to demonstrate that the active duty service is in connection with a war, military operation or national emergency (e.g. Operation Enduring Freedom, Global War on Terror, etc.). Please note that a letter confirming the reason for the denial was sent to your attention on May 27, 2015.Furthermore, you may be assured that AES approved your request for an interest rate reduction under the Servicemembers Civil Relief Act (SCRA) from December 1, 2008 through April 23, 2013 as well as from November 12, 2013 through September 30, 2015. While you are receiving relief under the SCRA, the interest rate on your loans will not exceed 6%. If the statutory rate on your loans is below 6%, the lower interest rate will be applied to your loans, in accordance with the SCRA. A letter detailing this information was sent to your attention on June, 2, 2015, a copy of which is enclosed.Although AES correctly denied your recent applications for Military Service Deferment, in effort to assist you, AES elevated your request for Military Service Deferment for review. After reviewing your request, AES was authorized to grant a period of Military Service Deferment to your loans from January 21, 2015 through March 28, 2016. A letter confirming the application of the Military Service Deferment applied to your account was sent to you under separate cover.At this time, your UNSTFD and STFFRD Loans are current. The next installment of $108.36 is due August 6, 2015.If you have any additional questions, please contact our Customer Service Department at [redacted]. 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

10/9/2015
 
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 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 the Borrower
Experience Advocate will be providing a formal letter shortly, along with their
contact information, should any additional concerns arise.
 
Best Regards,
 
Jessica N[redacted]
Research Specialist
Team Lead
American Education
Services

December 15, 2017
Dear Ms. Cameron:
While we regret the concerns included in [redacted]’s complaint, 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 to [redacted] shortly, along with our contact information, should any additional concerns arise.
Best Regards,
Consumer Relationship Analyst Team
American Education Services