Total CFPB complaints
960
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 960 complaints
AES/PHEAA — Debt Collector Complaint Profile
CFPB complaint profile across 47 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about AES/PHEAA
- Attempts to collect debt not owed
Attempts to collect debt not owed
257 complaints
- Written notification about debt
Written notification about debt
155 complaints
- False statements or representation
False statements or representation
117 complaints
- Disclosure verification of debt 85
Disclosure verification of debt
85 complaints
- Communication tactics 69
Communication tactics
69 complaints
- Took or threatened to take negative or legal action 38
Took or threatened to take negative or legal action
38 complaints
D
Grade D · 56.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about AES/PHEAA?
AES/PHEAA has accumulated 960 total CFPB complaints across 47 states, with 33 filed in the most recent 12 months against 927 historical complaints before that window. The trailing-12-month volume represents 3.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 20% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 47 states, led by Pennsylvania with 93 and California with 84, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.1/100 places AES/PHEAA in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
33
3.4% of total history
Rising ↑
States active
47
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
D
56.1/100 composite
Response-quality profile
How AES/PHEAA performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 39.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 83.9%
Share of US states + territories with at least one filed complaint against this collector.
How does AES/PHEAA compare to its peers?
AES/PHEAA National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-01 2026-02
Top Consumer Issues
Written notification about debt155 (%)
False statements or representation117 (%)
Attempts to collect debt not owed257 (%)
Disclosure verification of debt85 (%)
Communication tactics69 (%)
Took or threatened to take negative or legal action38 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 126 |
| False statements or representation | Attempted to collect wrong amount | 117 |
| Attempts to collect debt not owed | Debt is not yours | 93 |
| Disclosure verification of debt | Not given enough info to verify debt | 85 |
| Attempts to collect debt not owed | Debt was result of identity theft | 73 |
| Communication tactics | Frequent or repeated calls | 69 |
| Attempts to collect debt not owed | Debt was paid | 62 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 38 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 29 |
| Written notification about debt | Didn't receive notice of right to dispute | 29 |
Where do complaints against AES/PHEAA come from?
The states where consumers have filed the most CFPB complaints against AES/PHEAA. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against AES/PHEAA
Across 47 states with at least one filing
- Pennsylvania
Pennsylvania
93 complaints
- California
California
84 complaints
- Georgia
Georgia
71 complaints
- Florida
Florida
65 complaints
- Texas
Texas
56 complaints
- New York
New York
52 complaints
- Illinois
Illinois
44 complaints
- Ohio
Ohio
42 complaints
Frequently Asked Questions
What is the most common complaint against AES/PHEAA? ▼
The most common issue consumers report about AES/PHEAA is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 960 complaints filed with the CFPB.
Are complaints against AES/PHEAA increasing or decreasing? ▼
Complaints against AES/PHEAA are rising. The company received 33 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is AES/PHEAA's reputation grade? ▼
AES/PHEAA has a reputation grade of D (score: 56.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does AES/PHEAA respond to consumer complaints? ▼
AES/PHEAA has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.
In how many states does AES/PHEAA operate? ▼
AES/PHEAA has received CFPB complaints from consumers in 47 states, with the most complaints from Pennsylvania (93 complaints).
What can I do if AES/PHEAA is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If AES/PHEAA violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |