CFPB Consumer Complaint Profile
Aes/Pheaa
16,395 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-05-15
- 16,395
- Total complaints
- 284
- Last 12 months
- 99.9%
- Timely response
- 58
- States affected
The verdict
Aes/Pheaa ranks #44 of 3,848 financial companies by CFPB complaint volume, with 16,395 complaints on record. 99.9% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #44
- of 3,848 companies by volume
- 99.9%
- answered on time
- Student loan
- most-complained product
- 58
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 346 |
| 2013 | 320 |
| 2014 | 450 |
| 2015 | 533 |
| 2016 | 1,528 |
| 2017 | 2,371 |
| 2018 | 2,267 |
| 2019 | 2,205 |
| 2020 | 1,565 |
| 2021 | 1,745 |
| 2022 | 1,894 |
| 2023 | 448 |
| 2024 | 345 |
| 2025 | 312 |
| 2026 | 66 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Aes/Pheaa
The CFPB Consumer Complaint Database has logged 16,395 complaints against Aes/Pheaa overall, with 284 of those filed in the trailing 12 months. Reports have come from consumers in 58 states and territories, making this a nationwide complaint footprint. "Student loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Dealing with your lender or servicer" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Aes/Pheaa answers 99.9% of forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response was formally disputed in 19.5% of resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 23% closed with the consumer receiving monetary or non-monetary relief.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Aes/Pheaa have?
The CFPB has logged 16,395 complaints against Aes/Pheaa to date, of which 284 came in over the last 12 months.
Does Aes/Pheaa respond to complaints on time?
Aes/Pheaa has a 99.9% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Aes/Pheaa?
"Student loan" draws more CFPB complaints against Aes/Pheaa than any other product - see the full breakdown above.
What is the most common complaint issue with Aes/Pheaa?
Consumers most often cite "Dealing with your lender or servicer" when complaining about Aes/Pheaa; the full issue list with counts is above.
How do I file a complaint against Aes/Pheaa?
You can file a complaint against Aes/Pheaa directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Aes/Pheaa?
The CFPB has recorded complaints against Aes/Pheaa from 58 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~16,395)
Also handles Student loan
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.