Consumer complaint received 2025-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
My name is XXXX XXXX and my daughter, XXXX XXXX, attended XXXX XXXX from XXXX - XXXX. Our XXXX  application/case is against XXXX XXXX XXXX My case # is XXXX. I have filed at least XXXX complaints, contacted the ombudsman 3 times ( received incorrect, poor information - I know the laws better than them ), left 5 messages for the caseworker & was assured a response, yet never received XXXX. I would like my complaint to go to the Office of Federal Student Aid AND the XXXX XXXX XXXX XXXX 

Complaint to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FSA Ombudsman Group XXXX XXXX XXXX XXXX, KY XXXX and to : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Federal Student Aid XXXX XXXX XXXX XXXX, KY XXXX Subject : Formal Complaint Regarding Inequitable Processing of Borrower Defense Applications Dear Federal Student Aid Team, I am writing to express my concerns regarding the inequitable handling of Borrower Defense to Repayment applications. My individual Borrower Defense application, submitted on XX/XX/XXXX, has been pending for an extended period without resolution. My application reference number is XXXX. 

I understand that the Department of Education has up to three years to process applications under current regulations. However, I am deeply concerned about the apparent disparity between the timeframes for adjudicating class action Borrower Defense applications versus individual applications like mine. Publicly available information suggests that class action cases are being resolved in significantly less time, while individual borrowers are left waiting without transparency or communication regarding timelines. 

This discrepancy raises questions about the prioritization of cases and whether individual applicants are being treated fairly under the Departments principles of equity and accountability. It is also unclear why resources are being directed disproportionately toward resolving group claims while leaving individual borrowers in prolonged uncertainty. 

The delay in processing my application has caused significant hardship, including : - Accrual of over {$20000.00} in interest when interest is not supposed to accrue after 6 months from applying for XXXX and during in school deferment - Emotional stress stemming from absolute fear of crushing debt - Fear for XXXX XXXX because the illegal actions and abuse against her by XXXX XXXX XXXX XXXX XXXX XXXX  I have implored, over and over, that someone read through her Borrower 's Defense case to see how overwhelming the proof of abuse and illegal actions by XXXX are - to the point of one top director of the whole of Student Affairs was FIRED by XXXX for 'hostile work environment ' - the same director who XXXX XXXXXXXX and denied her all rights for 4 years at this college- the disparity in processing timelines causing the loss of discharge due to new administration impact. That disparity and lack of equity and accountability would pile debt and hardship on my daughter who received NO education and was DENIED her rights to due process and her human rights and, instead, abused by administration of XXXX I respectfully request clarification on the following points : Why class action XXXX XXXX applications are being resolved more quickly than individual applications. 
What measures the Department is taking to ensure fair and equitable processing of all applications, regardless of case type. 
The current status of my individual application and how to achieve equity in adjudicating it now. 

I kindly urge the Department to address this inequity and provide greater transparency about how resources are allocated between class action and individual cases. This will help rebuild trust with borrowers and ensure fairness in the process. In ensuring this fairness and equity, it's evident that our individual application must be completed now, to demonstrate fairness and lack of discriminatory practice. 

I look forward to receiving a response upon receipt of this letter. Please feel free to contact me at : XXXX, or XXXX, to show the Department 's commitment to ensuring all borrowers their equitable rights. 

Thank you for your attention to this matter. 

XXXX XXXX

Company response to consumer: Untimely response