So I fought and I fought for almost a year now and AES my student loan servicer refuses to remove the default status or the lates from my CR I filed an official complaint with the DOE and this is the bs letter AES sent me I'm going to post it here maybe someone can make some sense of it.
American Education Services
P.O. Box 2461 • Harrisburg, PA 17105-2461
Toll-free 1-800-233-0557 • TDD 717-720-2354
International 717-720-3100 • Fax 717-720-3916
www.aesSuccess.org
American Education Services
January 3, 2008
SONOGIRL
Dear sonogirl:
This letter is in response to your inquiry concerning your educational loans serviced by our office. We trust this information will be of assistance.
The chart below details your loans.
Loan Number
Disbursement Date
Loan Program
Original Principal Balance
Current Principal Balance
1
April 10, 2002
Subsidized Stafford
$1,313.00
$0.00*
2
April 10,2002
Unsubsidized Stafford
$2,000.00
$0.00*
8
April 10, 2002
Subsidized Stafford
$1,313.00
$0.00**
9
April 10, 2002
Unsubsidized Stafford
$2,000.00
$0.00**
7
May 3, 2002
ACCESS+
$2,384.80
$0.00+
4
March 4, 2003
Unsubsidized Stafford
$2,000.00
$0.00*
3
March 4, 2003
Subsidized Stafford
$1,312.00
$0.00*
10
March 4, 2003
Subsidized Stafford
$1,312.00
$0.00**
13
March 4, 2003
Unsubsidized Stafford
$2,000.00
$0.00**
5
April 1,2003
Subsidized Stafford
$3,500.00
$0.00*
6
April 1,2003
Unsubsidized Stafford
$3,560.00
$0.00*
11
April 1,2003
Subsidized Stafford
$3,500.00
$0.00**
12
April 1, 2003
Unsubsidized Stafford
$3,560.00
$0.00**
13
February 28, 2007 February 28, 2007
Subsidized Consolidation Unsubsidized Consolidation
$6,446.04 $8,299.17
$6,531.39++ $8,409.07++
*This loan reflects a balance of zero as a result of a default payment from our guaranty division credited on June 24, 2005.
**This loan reflects a balance of zero as a result of a consolidation payment credited on February 28, 2007.
+ This loan is serviced by our Graduate and Professional Services Department. For additional information regarding the status
of this loan, you may call our office at 800-233-0557 and asked to be transferred to this department.
+ + This loan reflects a higher current principal balance as a result of interest capitalization.
Please note that AES functions in diversified roles as the lender, guarantor, and servicer of student loans. In accordance with the signed application/promissory note agreement, borrowers are responsible for maintaining a current status on their educational loan accounts. Separate tradelines were established on your credit record to represent the servicing history of the loans with our office.
We generally submit unfavorable information to the credit reporting agencies when an account reflects a1 least 60 days of delinquency. Our records verify that as a result of insufficient payment, loans 1 through 6 were at least ou days delinquent from October 2004 until their default in June 2005. As required, we submitted this unfavorable information to the credit reporting agencies.
Page 2
Furthermore, because loans 1 through 6 defaulted, each was reported with a claim-paid status. The servicing tradelines then ceased reporting and our guaranty division established its own tradelines to represent the loans during the default period. After successfully completing a rehabilitation program with our guaranty division, the loans transferred back to our servicing division on February 6, 2007 as loans 8 through 13.
It is important to note that separate tradelines were reported by our servicing and guaranty divisions to represent the progression of the loan history. Following the rehabilitation of loans 1 through 8, our guaranty division submitted a request to the credit agencies at that time to have its defaulted tradelines removed from your credit report. Because loans 8 through 13 were consolidated immediately following rehabilitation, these tradelines may not have had time to report on your credit record. Therefore, only the previous servicing tradelines, including the delinquency and the claim paid status, for loans 1 through 6 should still reflect on your credit report.
The unfavorable information was reported accurately in accordance with the Fair Credit Reporting Act (FCRA). Furthermore, Section 605 of the 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 removed from the consumer's report.
As previously mentioned, loans 8 through 13 were consolidated on February 28, 2007 as loan 14. Separate tradelines were established on your credit report to represent each subsidy portion of the Consolidation Loan.
The loan immediately reflected repayment status. Your current repayment schedule entails remitting installments of $141.55 on the 25th of each month. We credited your most recent remittance of $141.55 on December 24, 2007, which satisfied the installment due December 25, 2007. Your next $141.55 payment will be due by January 25, 2008. As a result of your regular, timely payments for loan 14, you may be assured that no unfavorable information has been reported about this loan since its disbursement.
We trust this information is sufficient for your needs. If you have any additional questions, you may call our Customer Service Department at 800-233-0557. Our loan counselors are available Monday through Friday from 7:30 a.m. through 9:00 p.m. Eastern Time to review your account and discuss available repayment options. To access current account information, send email, or download application forms as needed, you may visit our website at www.aesSuccess.org.
Sincerely,
Jennifer Mowery Research Specialist
edited to remove sonogirl's personal info
Message Edited by haulingthescoreup on 01-13-2008 03:01 PM
When I call AES they will not transfer me to anyone except A customer care manager who by the way are useless. I've tried to ask for certain people and they say they are not allowed to transfer me to them unless that person gives them permission What BS 
