CFPB · Heavy filing volume
Aes/Pheaa
16.5K CFPB complaints (heavy-volume third) · 59 states · top issue Dealing with your lender or servicer.
Aes/Pheaa is in the heavy-volume third with 16.5K CFPB complaints (ranks #46 of 342). Timely 99.9% · relief 22.9% · top product Student loan. Allegations, not findings.
- Volume rank #46 of 342
- Heavy filing volume
- -53.6% filings 2012 to 2026
CFPB relief outcome brief
CCDB company aes-pheaa
22.9% relief · 99.9% timely · 16.5K filings · Student loan
Same-product relief peers
Nearest relief peer: Dream Center Education Holdings (20.6% relief)
Aes/Pheaa closes 22.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Aes/Pheaa's 16.5K filings include narrative text
51.6% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Aes/Pheaa complaint mix by product
- Student loan 13K 78.9% – 24% relief
- Credit reporting, 2K 13.4% – 20% relief
- Debt collection 975 5.9% – 15% relief
- Credit reporting 236 1.4% – 9% relief
- Credit card 25 0.2% – 8% relief
- Credit reporting 17 0.1% – 24% relief
- Payday loan, 11 0.1% – 27% relief
Heavy-volume mix: how Aes/Pheaa's 16.5K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Student loan | 13.0K |
| Credit reporting, credit repair services, or other personal consumer reports | 2.2K |
| Debt collection | 975 |
| Credit reporting or other personal consumer reports | 236 |
| Credit card or prepaid card | 25 |
| Credit reporting | 17 |
| Payday loan, title loan, or personal loan | 11 |
| Checking or savings account | 7 |
| Money transfer, virtual currency, or money service | 6 |
| Bank account or service | 5 |
| Consumer Loan | 5 |
| Credit card | 3 |
| Debt or credit management | 2 |
| Other financial service | 2 |
| Mortgage | 1 |
Nationwide filing states for Aes/Pheaa
Top states by attributed volume, heavy-filing company
- Leading state
- CA
- 9.7% of this company's filings
Aes/Pheaa falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 160
- -53.6% vs 2012
Top States
| State | Complaints |
|---|---|
| CA | 1.6K |
| NY | 1.2K |
| PA | 1.2K |
| TX | 1.1K |
| FL | 1.1K |
| GA | 736 |
| IL | 640 |
| OH | 591 |
| VA | 566 |
| MD | 561 |
| NC | 486 |
| MI | 471 |
| NJ | 446 |
| MA | 406 |
| WA | 316 |
| CO | 292 |
| AZ | 287 |
| TN | 278 |
| MO | 277 |
| MN | 266 |
Top Issues
| Issue | Complaints |
|---|---|
| Dealing with your lender or servicer | 7.2K |
| Dealing with my lender or servicer | 2.1K |
| Incorrect information on your report | 2.0K |
| Struggling to repay your loan | 1.2K |
| Problem with a credit reporting company's investigation into an existing problem | 905 |
| Can't repay my loan | 840 |
| Repaying your loan | 414 |
| Attempts to collect debt not owed | 267 |
| Improper use of your report | 246 |
| Problems when you are unable to pay | 208 |
| Written notification about debt | 162 |
| False statements or representation | 138 |
| Getting a loan | 119 |
| Communication tactics | 118 |
| Disclosure verification of debt | 102 |
| Cont'd attempts collect debt not owed | 74 |
| Credit monitoring or identity theft protection services | 70 |
| Took or threatened to take negative or legal action | 59 |
| Problem with a company's investigation into an existing problem | 44 |
| Improper contact or sharing of info | 27 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 345 | 100% |
| 2013 | 320 | 100% |
| 2014 | 449 | 100% |
| 2015 | 533 | 99.8% |
| 2016 | 1.5K | 100% |
| 2017 | 2.4K | 100% |
| 2018 | 2.3K | 99.8% |
| 2019 | 2.2K | 99.9% |
| 2020 | 1.6K | 100% |
| 2021 | 1.7K | 100% |
| 2022 | 1.9K | 99.8% |
| 2023 | 448 | 100% |
| 2024 | 345 | 100% |
| 2025 | 312 | 100% |
| 2026 | 160 | 100% |
Source: CFPB Consumer Complaint Database
Aes/Pheaa in the heavy-volume third
Aes/Pheaa's 16,485 logged complaints reach a nationwide footprint - 59 states have at least one filing. 51.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2026-06-25. Volume lands in the heaviest third of the indexed company corpus (#46 of 342).
Aes/Pheaa answers 99.9% of complaints inside the CFPB's tracked window and closes 77% with a written explanation. 22.9% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Student loan" draws the most filings, most often for "Dealing with your lender or servicer."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Aes/Pheaa.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Aes/Pheaa: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 16.5K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.9%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Aes/Pheaa (#46 of 342; 99.9% timely; 22.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Heavy filing volume