Consumer complaint received 2025-09-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am writing to formally request the discharge of my student loan and a refund for overpayment, which I believe is warranted due to misconduct by my educational institution and non-responsiveness by my loan servicer. I submitted a Borrower Defense to Repayment application in mid-XXXX XXXX but have received no response to date. This lack of communication and action violates several federal and state laws designed to protect borrowers. 

Reference : Previous CFPB Complaint # XXXX Institutional Misconduct : My loan was issued by XXXX XXXX XXXX which I allege engaged in the following unlawful practices : Misrepresentation of Educational Quality : XXXX XXXX provided false or misleading information about the quality of education, job placement rates, or transferability of credits, leading me to enroll under false pretenses. 

Failure to Provide Accurate Information : The institution failed to provide accurate information regarding loan terms, repayment options, or eligibility for loan forgiveness programs. 

Unfair Practices : The institution engaged in unfair practices, such as withholding transcripts or diplomas to coerce students into repaying loans, even when the education provided was substandard. 


Servicer Non-Responsiveness and Interest Accrual : My student loan servicer is PNC Bank. I have already spoken with them directly, and they informed me there is nothing they can do regarding my Borrower Defense application or the refund for overpayment. Despite this, I have also reached out to XXXX, the U.S. Department of Education, XXXX, and XXXX, and I have received no resolution or meaningful response. 

Currently, I am not making any payments on this loan due to the pending Borrower Defense process, yet interest continues to accrue, creating an unfair financial burden. This continued inaction may constitute a violation of the following federal laws : Consumer Financial Protection Act ( CFPA ) : The servicer 's failure to respond to borrower inquiries and provide timely information may be considered an unfair, deceptive, or abusive act or practice. 

Fair Debt Collection Practices Act ( FDCPA ) : If the servicer continues to attempt collection on a loan that is eligible for discharge, it may be violating provisions of the FDCPA, which prohibits certain debt collection practices.

Borrower Defense to Repayment Regulations : The Department of Education requires loan servicers to process Borrower Defense applications in a timely manner and provide borrowers with status updates.

Federal Student Aid Regulations ( 34 CFR 685.206 ( c ) and 685.222 ) : These require that interest accrual and collection actions be properly managed while a Borrower Defense application is pending. 


Request for Action : Given the above, I respectfully request that the CFPB : 1. Investigate the alleged misconduct by XXXX XXXX and PNC Bank. 


2. Facilitate the discharge of my student loan under the Borrower Defense to Repayment program.

3. Ensure that my loan servicer complies with all applicable federal laws and regulations regarding borrower communications, loan discharge processes, and interest accrual while applications are pending.

4. Review my account for any overpayments made and issue a full refund for amounts paid that exceed what is owed. 



I have attached all relevant documentation, including my Borrower Defense application, correspondence with my loan servicer, payment records, and any other supporting materials. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation