Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: PA

Complaint narrative:
Complaint Against : EdFinancial Services ( Student Loan Servicer ) I am submitting this complaint regarding serious servicing errors, unauthorized enrollment in electronic communications, failure to provide requested documentation, and resulting financial harm and credit impact. EdFinancial claims that my account has been enrolled in email notifications since XX/XX/XXXX. However, I have never received email notifications from EdFinancial during that time and did not knowingly consent to electronic delivery of account notices, statements, or legally required communications. Due to ongoing confusion and lack of communication, I specifically requested that all correspondence be sent to me in writing. I received written confirmation that future communications would be mailed and received my first physical letter on XX/XX/XXXX. However, when I contacted EdFinancial again in XX/XX/XXXX, I was told that I was enrolled in email notifications something I did not request and did not authorize. This directly contradicts my written request and the mailed confirmation I received. EdFinancial XXXX claim that email notifications were sent to me beginning in XX/XX/XXXX. I formally requested copies of every email they claim to have sent to me since that time. EdFinancial refused to provide those records. Their refusal to produce documentation raises serious concerns about whether required notices were ever properly sent and whether proper consumer consent for electronic delivery was obtained. Furthermore, if EdFinancial claims that emails were sent to me for nearly XXXX years without any response or engagement from me, it raises another serious question. If the company never received any communication, acknowledgement, or correspondence from me since XXXX, why did they never attempt to contact me through written mail via USPS during that time? As a loan servicer, they have the ability to see whether emails are successfully delivered, opened, or read. If the emails they claim to have sent were never received or read, it would have been reasonable and responsible servicing practice to attempt written contact. Instead, according to their own statements, they continued relying on email notifications for years without confirmation that those communications were actually being delivered. As a result of these servicing failures : Important notices and payment information were not properly received Payment updates and account changes were missed Interest continued to accumulate without proper communication The loan has now been negatively reflected on my credit report My household has experienced significant financial burden and instability This loan was taken out for my stepdaughters four-year in-state college education to obtain her XXXX XXXX XXXX degree in XXXX. Due to accumulated interest and penalties, the projected repayment total is approximately {$200000.00}. Much of this growth occurred during a period when EdFinancial claims electronic notifications were sent but can not provide proof of delivery. I am also the head of household and financially responsible for my family, including a son who is currently preparing to attend college. Because of the unexpected financial burden created by this situation, my ability to support his education is now at risk. In addition, EdFinancial mailed me a XXXX XXXX XXXX XXXX XXXX for the first time during the XXXX tax season. Receiving this form after years of alleged electronic communications raises serious concerns that interest has been accruing without my knowledge or proper notification. This situation may expose me to potential tax implications and financial liabilities related to interest accumulation that I was not properly informed about. Additionally, I am a professional truck driver and must comply with federal and state commercial driving regulations while operating a commercial vehicle. I can not access email while driving and rely on proper written notification for critical financial obligations. Failure to provide verifiable notice has placed my credit and financial stability at risk. After learning that EdFinancial Services was involved in the XXXX Student Loan Borrower Data Breach affecting approximately XXXX XXXX student loan borrowers, I sought additional information regarding whether my account may have been impacted. I contacted XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX of the law firms associated with the class action litigation. XXXX XXXX recently informed me by email that he confirmed with the claims XXXX that my name does appear on the class action list. This information raises further concern regarding the handling of my account information and communications by EdFinancial. This matter raises serious concerns regarding : Failure to properly document consumer consent for electronic communications Failure to provide requested account records Potential servicing negligence in failing to ensure communications were received Inaccurate or unfair credit reporting resulting from servicing errors I am requesting : XXXX. Written documentation showing when and how electronic communication consent was obtained. XXXX. Copies of all email communications allegedly sent since XX/XX/XXXX. XXXX. Immediate correction of my notification preference to written mail only. XXXX. Investigation and correction of any inaccurate credit reporting. XXXX. Adjustment of any interest, penalties, or negative consequences that resulted from improper notification practices. XXXX. A formal review of servicing practices related to borrower notification and record retention. I am requesting a full investigation and appropriate remediation for the financial harm and credit impact caused by these servicing failures.

Company response to consumer: Closed with explanation