Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ZuntaFi Corp
State: CA

Complaint narrative:
I obtained a private student loan through ZuntaFi ( XXXX XXXX ) for pharmacy school ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA ). Based on my final disclosure, the loan included a deferment period through approximately XX/XX/XXXX, during which no payments were expected. After graduating in XX/XX/XXXX, my account was placed into repayment earlier than expected based on a reported change in graduation date. This resulted in a payment being due and the account being marked delinquent, despite the original disclosure reflecting a later deferment period. There is also a discrepancy between the original loan amount and the current balance shown in the account portal. My final disclosure reflects a total loan amount of approximately {$83000.00} with a fixed interest rate of 9.240 %, but the current balance is substantially higher. I have not been provided a complete written breakdown showing how the current balance was calculated, including interest accrual, capitalization, or other adjustments. I formally requested documentation and clarification, including : - the exact event and date that triggered repayment, - a full transaction and disbursement history, - a breakdown of interest accrual and any capitalization, - and documentation explaining how the current balance was calculated. Despite multiple requests, I have not received complete or sufficient documentation. I was directed to rely on the online portal or contact my school for certain information, which has not provided a full or transparent accounting of the loan. In addition, I received a {$500.00} scholarship. I was informed that because my living expenses had already reached the allowable maximum, that amount would be returned to the lender. However, I have not been provided records clearly showing how this scholarship amount was received, applied, or credited to my loan balance. As part of the loan process, I completed a Private Education Loan Applicant Self-Certification form that references XXXX XXXX XXXX ( XXXX ) and indicates that such aid should be considered before private loans. However, I was informed by my school that federal aid was not accepted, and I was directed toward private lenders. At the same time, certain financial aid-related limitations and rules were still applied to my account, including restrictions on living expense disbursements and the return of scholarship funds. I have not been provided clear documentation explaining how these determinations were made, how they were applied, or how they affected my loan balance and disbursements. I am requesting clarification to ensure accurate and consistent accounting. I am also currently experiencing health-related and financial hardship, which made it especially important for me to obtain clear information and accurate accounting while preparing for licensing exams. As a result, my account entered delinquency during a period of hardship, my credit has been negatively impacted, and I have not been provided a complete and transparent accounting of my loan terms, repayment trigger, or balance calculation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation