Consumer complaint received 2026-04-14 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: KY

Complaint narrative:
Complaint Title : Department of Education and Servicer Attempting to Collect on Loans That Were Never Legally Originated -- - What Happened : I am filing a complaint because the Department of Education ( XXXX ) and its contracted servicer are attempting to collect on federal student loans that were never legally originated, were not supported by required federal documentation, and were included in my bankruptcy case. The school I attended was in teachout/closure status, and XXXX has never produced the federal records required for lawful Title IV loan origination. Despite multiple requests, neither XXXX nor the servicer has provided the documents that federal law requires for a school to originate or certify federal student loans. Because these documents are missing, the loans were never valid, and all collection activity must cease. -- - Documents I Am Requesting the Department of Education to Produce : These are the mandatory federal records required for lawful Title IV origination. I am requesting that XXXX produce all of the following : ECAR ( Eligibility and Certification Approval Report ) showing my program existed PPA ( Program Participation Agreement ) in effect at the time CIP code assigned to my program Program eligibility approval Accreditation approval for the program Cost of Attendance ( COA ) used to originate the loan Enrollment certification submitted to XXXX Disbursement authorization records Teachout or closure authorization Financial responsibility documentation for the school If XXXX can not produce these documents, then the loans were never legally originated. -- - Why This Is a Serious Compliance Issue : 1. Illegal Origination Without ECAR, CIP, COA, enrollment certification, and program approval, XXXX can not legally originate or disburse Title IV loans. If these documents do not exist, the loans are invalid. 2. False Certification / Borrower Defense If the school lacked program approval, accreditation approval, or CIP codes, then the school falsely certified eligibility, and XXXX continued servicing loans based on nonexistent approvals. 3. Servicer Misrepresentation The servicer is attempting to collect on loans without being able to produce the required federal origination documents. 4. Bankruptcy Discharge Violation These loans were included in my bankruptcy case. If XXXX can not produce the required origination documents, then any postdischarge collection activity violates the discharge injunction. -- - What I Want : I am requesting that the Department of Education : 1. Produce all federal records listed above 2. Confirm whether these documents exist 3. Cease all collection activity if the documents can not be produced 4. Correct my credit reports 5. Acknowledge the loans were never legally originated if documentation is missing If XXXX can not produce the required documents, the loans must be discharged and removed from all systems. -- - Why I Am Filing With CFPB : The servicer can not answer these compliance questions because they involve federal origination requirements. CFPB is the only channel that forces XXXX to respond in writing and provide the documents or formally admit they do not exist.

Company response to consumer: Untimely response