Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: GA

Complaint narrative:
Complaint Against : Edfinancial Services and XXXX ( XXXX XXXX XXXX Loans ) Issue : Improper Loan Servicing Resulting in Credit Reporting Harm I am submitting this complaint regarding serious loan servicing errors that have resulted in potential and/or actual damage to my credit profile. I am currently enrolled at least half-time, and my school has not reported any change in my enrollment status. Despite this, both Edfinancial ( federal loans ) and XXXX XXXX ( private loans ) improperly removed my loans from in-school deferment. I followed instructions from customer service and submitted proof of enrollment to correct this error. However, my account has not been updated, and the issue remains unresolved. I have also received contradictory information, including being told I can not take action because I am currently a student, despite my deferment already being removed. As a result of these servicing failures, my loans may have been reported inaccurately to credit bureaus, including being shown as active repayment or potentially delinquent when they should have remained in deferment. This constitutes a serious issue, as inaccurate reporting can negatively impact my credit score, financial standing, and future borrowing ability. These actions reflect multiple servicing failures, including : - Improper removal of in-school deferment despite verified eligibility - Failure to correct known account errors after receiving documentation - Potential furnishing of inaccurate information to credit reporting agencies- Providing misleading or contradictory guidance that delayed resolution Due to these errors, I have experienced financial harm and potential reputational harm to my credit, including : - Accrued interest that should not have been applied - Risk of negative credit reporting or score impact - Emotional distress and significant time spent attempting to correct servicer errors I am requesting the following resolution : 1. Immediate retroactive reinstatement of my in-school deferment status 2. Full correction of any and all inaccurate credit reporting related to this issue with all credit bureaus 3. Written confirmation that no negative credit reporting will remain on my record as a result of this error 4. Reversal of all interest, fees, or charges incurred due to improper servicing 5. Refund of any payments made as a result of the incorrect loan status 6. A detailed written explanation of how this error occurred and steps taken to prevent future occurrences If any negative credit reporting has already occurred, I request immediate deletionnot correctionof any derogatory marks associated with this issue, as they stem directly from servicer error. If this matter is not resolved promptly, I am prepared to pursue further action, including disputes with credit reporting agencies and escalation to additional regulatory bodies, as this may constitute inaccurate credit furnishing and improper loan servicing. I have documentation available, including proof of enrollment and records of prior communication, and will provide it upon request. I request a prompt investigation and full resolution of this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation