Consumer complaint received 2025-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ascendium Education Group
State: VA

Complaint narrative:
Dear CFPB XXXX, This letter serves as a complaint regarding Ascendium Education XXXX XXXX XXXX, a XXXX  student loan servicer acting on behalf of the XXXX Department of Education. 
On XX/XX/year>, I sent a Qualified Written Request ( QWR ) via Certified Mail with Return Receipt to : Ascendium Education Solutions , Inc . 
XXXX XXXX XXXX XXXX, WI XXXX This request was made under the authority of XXXX U.S.C. XXXX, XXXX ; XXXX XXXX. XXXX et seq. ( Truth in Lending Act ) ; XXXX XXXX. XXXX ; XXXX XXXX. XXXX ; and XXXX XXXX, XXXX, and XXXX. 
The purpose was to obtain lawful documentation, validation, and statutory disclosures concerning an alleged student loan obligation purportedly associated with my name. 
Failure to Respond and Deficiencies While XXXX  sent certain materials ( copies of applications, unsigned electronic promissory notes, an account summary, and payment history ), these do not constitute lawful validation. 
Specifically, they failed to address the mandatory items outlined in my QWR and remain in statutory noncompliance. 
Outstanding Required Documentation The following items remain unfulfilled : XXXX. Full Payment History and Accounting - Complete transactional records ( principal, interest, fees, adjustments ). 
XXXX. Servicing Transfer History - Chronological history of all assignments, transfers, and reconciliations between servicers, with proof of accuracy. 
XXXX. XXXX XXXX XXXX to Collect - A certified copy of any assignment, delegation, or servicing contract granting XXXX  legal standing to enforce and collect on behalf of the XXXX Department of Education. 
XXXX. Evidence of Lawful Consideration - Documentation of value given ( funds disbursed or goods/services rendered ) that lawfully created the obligation under UCC XXXX XXXX XXXX. Certified Original Promissory Note with XXXX Wet Signatures - A fully executed contract bearing both my original wet-ink signature and that of an authorized party. 
XXXX. IRS Form XXXX Inquiry ( NEW ) - Provide a copy of any Form XXXX ( Cancellation of Debt ) issued for this account. If none exists, a notarized affidavit stating no such filing has occurred. 
XXXX. XXXX of XXXX ( XXXX ) - Provide a properly executed bill of exchange or negotiable instrument associated with this alleged obligation, if any, per XXXX XXXX and XXXX. 
Legal Basis for Complaint Under XXXX XXXX, a party XXXX refuse enforcement of a negotiable instrument when : - The instrument lacks valid consideration, - The party seeking enforcement can not prove authority, or - Proper notice and presentment are not satisfied under UCC XXXX and XXXX. 
Additionally, under XXXX XXXX. XXXX and XXXX ( FDCPA ), failure to validate a debt prohibits further collection actions, including credit reporting. 
XXXX has failed to lawfully validate this alleged debt. 
Requested Action from CFPB I respectfully request that the Consumer Financial Protection Bureau : XXXX. XXXX Ascendium Education XXXX XXXX XXXX for statutory violations and noncompliance XXXX. Compel full disclosure of the above-requested documents. 

XXXX. Take appropriate enforcement actions against XXXX and/or the XXXX Department of Education XXXX

Company response to consumer: Closed with explanation