I consolidated my private loans from XXXX to XXXX. Upon XXXX disbursing a check and a letter for any amount in excess of the outstanding loan balance to the loan holder, XXXX gave a refund in excess of the full loan amount. For the exact amount of the refund checks sent to me, the loan holder, they serviced the loans to a XXXX loan-servicing company. This was done unbeknownst to me. I received refund checks from XXXX along with a new loan notice from a company I did not consolidate with, AES. In brief, XXXX deceptively disbursed the loan in full to XXXX, gave me a " refund '' that was the exact amount as the amount sent to a third party service provider in order to collect monthly interest.