Consumer complaint received 2026-01-13 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: OH

Complaint narrative:
I tried to escalate these complaints, but they do not show in my activities. As of today, all day, you cant even submit any feedback. 

XX/XX/XXXX Subject : Request for Reconciliation and Escalation Pending Borrower Defense Discharge Dear Federal Student Aid / Borrower Defense Team, I am writing to formally request escalation and reconciliation regarding my pending Borrower Defense to Repayment application, as there is a documented discrepancy between Federal Student Aid and my loan servicer, XXXX. 

Borrower Defense Application Date : XX/XX/XXXX, XXXX : XXXX XXXX XXXX XXXX, XXXX Type : Direct Consolidation Loan ( consolidated in XXXX ) Current Servicer : AidvantageCurrent Status : Borrower Defense In Review / Loans in administrative forbearance XXXX has repeatedly confirmed to mein chat they have received a Borrower Defense discharge request for my consolidated loan and that the loan is in a discharge processing timeline. I do have documented conversations. 

In a documented chat conversation, an XXXX representative also stated that Borrower Defense discharges typically take approximately seven months to complete, indicating that my loan is already flagged for discharge processing.

However, when I contact Borrower Defense through StudentAid.gov, I am told that no discharge request has been sent to XXXX, creating an unresolved conflict between Federal Student Aid and my servicer. 

Additionally, I observed that XXXX of my prior servicersshows my loan as Paid in Full dated XX/XX/XXXX, despite the loan having been paid off through consolidation in XXXX. This suggests recent administrative or system-level activity related to my loan history. 

I have retained screenshots documenting : * Aidvantages confirmation of a pending discharge request * The stated discharge processing timeframe * MOHELAs Paid in Full status update * My current Borrower Defense status showing In Review Given these facts, I respectfully request : 1. Internal reconciliation between Federal Student Aid and XXXX regarding the status of my Borrower Defense discharge 2. Confirmation of whether my claim has been approved or staged for discharge execution 3. Clarification of why my servicer reflects discharge processing while Borrower Defense indicates no instruction has been sent I am not requesting reapplication or reconsiderationonly accurate alignment between systems and confirmation of my current discharge status. 

Subject Complaint Regarding Missing Borrower Defense Evidence and Returned Submission I am writing to formally complain about ongoing issues with the submission and t my Borrower Defense application.

I attempted to submit additional evidence to support my Borrower Defense case by replying to the email I received from Federal Student Aid, as instructed. However, none of the evidence I submitted appears in my Borrower Defense application, and there is no record showing that my evidence was received or uploaded.

Additionally, I mailed approximately {$40.00} worth of physical evidence to the address listed on the Student Aid website for Borrower Defense submissions. That package was returned to me with a notice stating that the P.O. Box has been closed. As a result, my evidence was never delivered through no fault of my own. 
In an effort to ensure my evidence was submitted somewhere within the federal student loan system, I then sent the evidence to XXXX. I have documentation and proof that I made these good-faith attempts to submit my materials. 
At this point, I am deeply concerned that my Borrower Defense case is incomplete due to administrative failures beyond my control. I am requesting that : My evidence be properly accepted and added to my Borrower Defense application, and Written confirmation that all submitted and resubmitted evidence has been received and associated with my case.

I have made every reasonable effort to comply with submission instructions, and I should not be penalized for incorrect information or closed mailing addresses provided by Student Aid. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 

Thank you for your help

Company response to consumer: Untimely response