CFPB Complaint

AES/PHEAA – CFPB Complaint ID 3101608

Consumer Complaint Submission

Date Received: 2018-12-16T00:00:00.000

Product: Federal student loan servicing

Issue: Struggling to repay your loan

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Based on this post.
I didn’t get any emails, any mail letter, any phone with any voice message that My wages will be garnished I tried this is the 2nd involuntary 15 % of my paycheck that is withhold and they do not want to negotiated anything. My next paycheck will be on XX/XX/XXXX and they will take our from my back account and not directly from employer, however the are not willing to negotiated at all. and provide only no answer with not explanation and no documentation.

https : // # wage-garnishment I have the right to : be sent a notice that explains EDs intention to garnish your wages in 30 days, the nature and amount of your debt, your opportunity to inspect and copy records relating to your debt, your right to object to garnishment, and your option to avoid garnishment by voluntary repayment ; be given an opportunity to enter into a written agreement under terms agreeable to ED to establish a voluntary repayment agreement ; be given an opportunity for a hearing to present and obtain a ruling on any objection you have to the existence, amount, or enforceability of the debt ; any objection that garnishment of 15 percent of your disposable pay would produce an extreme financial hardship ; or any objection stating that garnishment can not be used at this time because youve been employed for less than 12 months after having previously been involuntarily separated from employment ; have the garnishment action withheld by filing a timely request for a hearing, until the hearing is completed and a decision issued ; not be discharged from employment, refused employment, or subjected to disciplinary action due to the garnishment, and to seek redress in federal or state court if such action occurs ; initiate any legal action against your employer if the employer discharges, refuses to hire, or takes disciplinary action against you based on the garnishment action ; and not have any information provided to your employer regarding the garnishment other than what is necessary for the employer to comply with the withholding order.


Company: AES/PHEAA

State/Zip: FL 334XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3101608

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