Consumer complaint received 2025-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I submit a complaint against the Department of Education ( XXXX ) for mishandling ( ignoring ) my applications for public service loan forgiveness and for having installed itself in my credit report, through XXXX ) for a sum that is 3.5 times larger than my alleged consolidated student loan, which constitutes a fraud. 
XXXX has not granted me the Public Service Loan Forgiveness for which I have met all requirements ; I have only worked for nonprofit universities and made over 160 payments to XXXX XXXX and XXXX. 
XXXX failed to review my applications for PSLF in XXXX, XXXX and for XXXX PSLF in XXXX, XXXX. I had mailed these applications and they were received by XXXX, based on USPS proofs. 
XXXX failed to grant me the XXXX in XXXX : Instead, it installed itself, through XXXX, in my credit reports ( such as XXXX  ) with a sum 3.6 times larger than my alleged loan, ruining my credit XXXX has allowed XXXX and XXXX  to charge interest on my alleged loan during the pandemic and periods when interest charging has been stopped ; it allowed XXXX to charge interest during a pause period, on the 3.6 times inflated alleged loan that it had installed in my credit reports in XXXX. 
XXXX has partnered with predatory for profit financial firms : XXXX XXXX, XXXX, XXXX, and XXXX, as well as XXXX XXXX has ignored mail and emails I have sent to solve the situation XXXX created without my knowledge an online account in my name, without having informed me and having shared the necessary information : I am unable to log in the account under my name, secretly created by the XXXX XXXX FSA Ombudsman Services ignored the letter and documents I mailed on XX/XX/XXXX XXXX does not provide any means to reapply for loan forgiveness, since it has ignored paper applications l mailed and does not allow access to the account they created under my name, without my knowledge and without sharing necessary information XXXX has disclosed private and confidential information to firms such as XXXX, XXXX, and XXXX, without having informed me I attach the letter I mailed to the XXXX FSA Ombudsman Group on XXXX XXXX XXXX. I removed identifiable information. The letter included all documents proving that I had mailed applications and documents, and that all had been received by the Department of Education. As they include identifiable information, I am not including them in this report. 
In my experience, all XXXX partners of loan consolidation have been predatory financial companies that have employed financial strategies to inflate the loan ; the more one pays towards the loan, the more one owes. The partners have been : XXXX XXXX, XXXX, XXXX and XXXX. 
XXXX illegally sold to XXXX my alleged student loan during the Covid-19 pandemic payment pause. 
XXXX, XXXX and XXXX have illegally charged interest on my alleged student loan during the Covid-19 payment pause, as well as during the recent pause. XXXX repeatedly ignored my request for loan forgiveness, refused to work with me, and refused to send me my file. 
XXXX fraudulently installed itself in my credit report ( along the XXXX ) with a sum 3.6 times higher than my alleged loan amount and it has charged interest on it during a pause period. 
I have fully qualified for loan forgiveness, since I have only worked for non-profit universities and I made over 160 payments to XXXX XXXX and XXXX. 
Please see letter I mailed XX/XX/XXXX to the Department of Education FSA ( after having removed identifiable information, as required by CFPB ). 
At this time, the Credit Report alleged and fraudulent Department of Education/ XXXX amount has been steeply increased to {$710000.00}.

Company response to consumer: Untimely response