I am the cosigner parent of a loan with XXXX XXXX XXXX XX/XX/XXXX. Loan agreement terms ended XX/XX/XXXX. Payments began XX/XX/XXXX to current. XX/XX/XXXX I requested consideration for cosigner release. Request denied for insufficient payments. 48 are required. XX/XX/XXXX I applied again. Request denied for forbearance applied. I submitted proof to AES of all payments from XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and 18 month pay history for XX/XX/XXXX. I sent all these bank statements which has only my name on the account and a copy of my loan agreement that i signed in XXXX with XXXX. No one requested a forebearance. I made the payments from my account. I identified my daughter had worked while attending college all of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and current. The forebearance could not apply in this case. AES forwarded a account transaction summary showing 3 cosigner payments applied in XX/XX/XXXX, 4 cosigner payments in XX/XX/XXXX, 10 cosigner payments in XX/XX/XXXX. I handled these transactions from my account to ensure AES would receive payments while my daughter was building steady employment history. The payments came from one account, all. Checks. My contract with XXXX was sold to AES in XX/XX/XXXX. My contract does not say loan servicing agency reserves the rights to misleading cosigner release advertising.. Close to XXXX has been credited to this account. I asked how can I accomplish cosigner release benefits. The account transaction summary was the reply. This must me illegal to apply payments this way without terms and conditions consent from AES to us to agree or decline. I found out the loan was sold when AES falsely denied my request for release. I spoke to a local XXXX branch about this. I learned that XXXX does not make cosigner release decisions because the loans were sold. The AES representative told me XXXX decides because I challenged the incorrect forebearance denial & payment schedule denial. I 'm concerned both myself and daughter will be a financial hostage to AES. I forwarded my appeal to the VP of Compliance and VP of Loan Operations. The account transaction summary was the answer. I need a referral for consumer protection. Please advise. Thank you. 
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