Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
Request for Administrative Remedy & Credit Dispute Account # XXXX I am writing to formally request an administrative review and correction of the delinquencies currently reported on my credit file by XXXX. I believe these negative markers are the result of an administrative oversight regarding federal processing timelines, combined with an unfortunate communication gap. On XX/XX/year>, I submitted an Income-Driven Repayment ( IDR ) plan request, which StudentAid.gov still lists as " In Review. '' Under Department of Education guidelines, accounts are typically placed into an Administrative Forbearance if an IDR application takes longer than 30 days to process. It appears this protective forbearance was not applied to my account, which unfortunately led to a delinquency being reported while my application was actively pending. Because my IDR application was pending, I was under the impression my payment obligations were paused while the system calculated my new rate. I only became aware of an issue on XX/XX/XXXX, when an external credit monitoring system alerted me to a severe drop in my credit score. Upon learning of the issue, I immediately took good-faith corrective action by attempting an emergency payment of {$300.00} on XX/XX/XXXX, followed by a substantial payment of {$1000.00} on XX/XX/XXXX. These significant payment attempts demonstrate my absolute commitment to keeping my account current the moment I received actual notice of a problem. Furthermore, since resolving that initial communication gap, I have maintained a flawless, uninterrupted track record of 100 % on-time monthly payments every single month from that point forward all the way through the current month of XXXX. I understand that internal portal notices may have been generated ; however, I did not receive any external warnings. My current, correct email address is visibly updated on my profile dashboard, but automated alerts were unfortunately sent to an outdated email address on file. Additionally, no physical mail was received at my residence. Because of this communication gap, my credit score was already severely damaged by XX/XX/XXXX before I had any actual notice of a problem. The moment I discovered the issue via a third-party credit alert, I immediately acted to resolve it by issuing the XX/XX/XXXX ( {$300.00} ) and XX/XX/XXXX ( {$1000.00} ) payments. While those transactions were unfortunately rescinded due to an account error unknown to me at the time, they stand as undeniable proof that I acted instantly to correct the delinquency the moment it was brought to my attention. Furthermore, due to the high volume of fraudulent student loan scams and automated robocalls, any unverified phone outreach would have understandably been treated with extreme caution, as I relied strictly on the official, secured StudentAid.gov portalwhich continuously displayed my account status as 'In Review'as my single source of truth.

Company response to consumer: Untimely response