Key Takeaways

  • 16,465 total complaints on file with the CFPB.
  • Most complaints are about Student loan (12,966).
  • Timely response rate: 99.9%.
  • Consumer disputed rate: 19.5% of resolved complaints.
16,465 Total complaints
99.9% Timely response rate
19.5% Consumer disputed rate
Student loan Most common product

Complaints by Product

The following table shows how complaints against Aes/pheaa break down by financial product category.

Product Complaints % of Total
Student loan 12,966 78.7%
Credit reporting, credit repair services, or other personal consumer reports 2,213 13.4%
Debt collection 969 5.9%
Credit reporting or other personal consumer reports 232 1.4%
Credit card or prepaid card 25 0.2%
Credit reporting 17 0.1%
Payday loan, title loan, or personal loan 11 0.1%
Checking or savings account 7 0.0%
Money transfer, virtual currency, or money service 7 0.0%
Bank account or service 5 0.0%
Consumer Loan 5 0.0%
Credit card 3 0.0%
Debt or credit management 2 0.0%
Other financial service 2 0.0%
Mortgage 1 0.0%

Most Common Issues

These are the specific issues consumers most frequently report about Aes/pheaa.

Dealing with your lender or servicer 7,193
Dealing with my lender or servicer 2,133
Incorrect information on your report 1,996
Struggling to repay your loan 1,213
Problem with a credit reporting company's investigation into an existing problem 905
Can't repay my loan 840
Repaying your loan 415
Attempts to collect debt not owed 264
Improper use of your report 246
Problems when you are unable to pay 209

Company Response Breakdown

When consumers file complaints, Aes/pheaa responds in one of several ways. The breakdown below shows how Aes/pheaa has resolved complaints.

Response Count Percentage
Closed with explanation 12,674 77%
Closed with non-monetary relief 3,376 20.5%
Closed with monetary relief 289 1.8%
Closed without relief 116 0.7%
In progress 10 0.1%

Complaints by State

Top states where consumers have filed complaints against Aes/pheaa.

State Complaints
California 1,592
New York 1,192
Pennsylvania 1,162
Texas 1,139
Florida 1,103
Georgia 733
Illinois 638
Ohio 591
Virginia 566
Maryland 561
North Carolina 485
Michigan 471
New Jersey 445
Massachusetts 406
Washington 315
Colorado 292
Arizona 288
Missouri 277
Tennessee 276
Minnesota 266

Your Rights

What to do if you have a complaint against Aes/pheaa

  1. Contact Aes/pheaa directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
  2. File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
  3. File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
  4. Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.

Frequently Asked Questions

  • How many complaints does Aes/pheaa have?

    Aes/pheaa has 16,465 consumer complaints on file with the CFPB as of our last data refresh.

  • What is the most common complaint about Aes/pheaa?

    The most common issue reported is Dealing with your lender or servicer with 7,193 complaints.

  • How do I file a complaint against Aes/pheaa?

    You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.

  • Does Aes/pheaa respond to complaints on time?

    Aes/pheaa has a 99.9% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.

Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed June 2026.