Consumer complaint received 2024-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Earnest Inc.
State: MN

Complaint narrative:
This complaint is for both XXXX AND Earnest. 

XXXX is the parent company of Earnest. XXXX is listed as the owner of my private loan ( proof attached ) on the Earnest website. XXXX has a program to forgive private loans but will not provide the form. I specifically ask for details and am given the same response. I have been advised to keep all contact in writing. The only option I am being given is to call so they can say things that they don't want to put in writing. However, the form has become public, per this XXXX XXXX XXXX article, XXXX XXXX XXXXXXXX. 

It states You may be eligible to receive a discharge of your applicable private student loans if the school that you attended committed certain misconduct outlined on this application. This is called a School Misconduct Discharge. If you believe you may qualify, please complete this application. 

After reviewing this public form, I qualify but the form is being withheld. 

Conversation via email XXXX XXXX XXXX XXXX ( XXXX hours ago ) to Earnest XXXX advocate Hello, I attended the XXXX XXXXXXXX XXXX XXXX XXXX XXXX which misled students about the value they would receive from their education. As you are aware, last month Biden announced the forgiveness of federal loans for all students who attended between XXXX and XXXXXXXX XXXX XXXX XXXXXXXX In XXXX, I refinanced my federal loans with Earnest. Earnest Operations LLC is a subsidiary of XXXX XXXX and I've become aware that XXXX has a relief form for students misled by their for-profit school as pointed out in this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting the school misconduct discharge form, so I can provide evidence that my original loan would have been forgiven and that XXXX XXXX XXXX misled me. 

Thanks advocate_XXXX XXXXXXXX ( XXXX hours ago ) to me, advocate_XXXX Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Refinance ) does not meet the criteria for you to receive an application. If you are having difficulty making your current payment amount on the loan and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a specialist will work with you to assist you further on this matter. 



Sincerely, From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX  To : Earnest XXXXXXXXXXXXXXXX ; advocate_XXXX XXXX Subject : School Misconduct Discharge Form XXXX XXXX XXXX XXXX ( XXXX hours ago ) to Earnest , advocate_XXXX Which requirement does it not meet? Please include a copy to the resource you are referring to. 


advocateXXXX XXXXXXXX ( XXXX hour ago ) to me, advocate_XXXX Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Refinance ) does not meet the criteria for you to receive an application. If you are having difficulty making your current payment amount on the loan and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a specialist will work with you to assist you further on this matter. 



Sincerely, Office of the Customer Advocate

Company response to consumer: Closed with explanation