CFPB Consumer Complaint Profile
Aes/Pheaa
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 16,395
- Total complaints
- Among the highest
- 284
- Last 12 months
- 99.9%
- Timely response
- Top decile
- 58
- States affected
The verdict
Aes/Pheaa ranks #44 of 3,843 financial companies by CFPB complaint volume. For answering complaints on time it stands at the 82nd percentile in the 100+ complaint peer group.
- Student loan
- most-complained product
- CA
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Aes/Pheaa vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.9% Top 18% higher than 82% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 345 in 2024 to 312 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
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 |
| 2026year in progress | 66 |
Complaints by State (Top 15)
Company Responses
Aes/Pheaa Complaint Concentration Profile
Aes/Pheaa's complaint volume is large enough to measure concentration - not just the headline totals. Across 38 named product lines in the stored breakdown, the leading three (Student loan, Credit reporting, credit repair services, or other personal consumer reports, Student loan) hold a 83.5% share of product-tagged complaints. The Herfindahl index on that product mix is 0.372 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Dealing with your lender or servicer, Dealing with my lender or servicer, Incorrect information on your report) cover a 70.6% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (California, New York, Pennsylvania) hold a 24.2% share of state-tagged volume across 58 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 76.9% share among the 16,395 response-tagged complaints (12,615 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2017 (2,371 complaints); the lightest year on file was 2025 (312). From 2024 to 2025, annual volume fell 9.6% (345 → 312). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Aes/Pheaa
The CFPB Consumer Complaint Database shows a nationwide complaint footprint for Aes/Pheaa, with consumers across the country filing against it. "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, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is at or above benchmark levels, a sign it handles intake and escalation well. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Aes/Pheaa: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count.
Similar dispute rates
Nearest companies by share of complaints marked disputed (19.5% here).
Also handles Student loan
Other companies with the same primary CFPB product category on file.
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.