Consumer complaint received 2026-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Central Research Inc
State: TX

Complaint narrative:
in 2024, I was admitted into a program at XXXX XXXX XXXXXXXX. During the admissions process, the institution reviewed my documentation, including my high school diploma, and approved me for enrollment and federal financial aid, including a XXXX XXXX. I relied on their approval in good faith and began attending classes. 
After nearly XXXX year of enrollment and receipt of federal funds, I was informed that my high school diploma was not accredited and that I did not meet eligibility requirements because I had not obtained a XXXX. I was subsequently disenrolled from the program. This decision was made long after I had already been admitted, enrolled, and awarded financial aid. 
As a result, I am now being held responsible for over {$3000.00} in total student debt, which includes {$170.00} in student loans. I have also been notified of a XXXX XXXX overpayment ; however, I have not been clearly informed of the exact overpayment amount. I believe these financial obligations were caused by the institutions failure to properly verify my eligibility at the time of admission. 
At no point during the enrollment process was I informed that my diploma would not meet federal requirements or that obtaining a XXXX  was necessary prior to starting the program. I acted in good faith based on the schools acceptance and approval. 
It is unfair to hold me financially responsible for funds that were awarded and disbursed based on the institutions review and processing of my eligibility. I respectfully request that the Consumer Financial Protection Bureau review this matter and investigate whether improper admissions and financial aid practices contributed to this debt and overpayment determination. I would also like to add that I filed a complaint with the schools accrediting agency, the XXXX XXXX XXXX. Unfortunately, my complaint was dismissed without a fair review of the circumstances. 
The accrediting agency contacted me by phone during standard working business hours while I was unavailable and did not leave a voicemail or provide a meaningful opportunity for follow-up. Without successfully speaking with me or making additional efforts to reach me, my case was closed. 
Additionally, I was instructed to upload supporting documentation in PDF format. I provided the requested proof via email ; however, it was not accepted because it was not in PDF format. I informed the agency through email that I was unable to convert the documents into PDF format due to technical limitations and lack of access to proper tools. Despite communicating this difficulty and continuing to respond, my case was dismissed on the grounds that I did not provide sufficient documentation. 
The accrediting agency had access to the relevant email communications that clearly outlined the situation and demonstrated the schools actions. However, instead of reviewing the available evidence, my complaint was dismissed solely due to formatting requirements and unsuccessful phone contact. 
I believe this handling of my complaint prevented a fair and thorough review of the misconduct I reported.

Company response to consumer: Closed with explanation