Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: KY

Complaint narrative:
Final XXXX Complaint & addition of XXXX Student Aid to original complaint. 

I would like to re-submit my complaint regarding XXXX conduct towards servicing of my XXXX Student Loans. 

My initial complaint was filed on XX/XX/year>. I did not receive communication from XXXX, except for notification that my payment would soon be due on or around XX/XX/XXXX. I contacted CFPB to ask if this counted as communication. I was told that XXXX had XXXX days to respond, and if no response was received to contact CFPB. I have received multiple automated messages since then from XXXX. I have not received any direct, human, communication from them. 

I finally received a response regarding the complaint via automated email from XXXX on XX/XX/year> saying they would process it in XXXX days. This was after receiving an email from CFPB on XX/XX/year> saying XXXX had responded to CFPB & that XXXX had 60 days to respond. Which one is true? 

Meanwhile, I do not have a payment amount, my loans are accruing interest, and I am still, technically, in the XXXX program. I also still have over XXXX months of service that XXXX Student Aid has not been able to XXXX me because XXXX wont process my loan application. It's a XXXX where I can't get credit because I can't get a payment, because XXXX won't process my loan. 

Here is the real issue lets compare the XXXX XXXX XXXX program to a Car Dealership. I purchase a car at said dealership, and they finance the loan and then sell it to a third party who are legally bound to the same terms ( XXXX ). Im told I will have a set interest rate, set payment, and in XXXX years, my debt will be paid off. 

Meanwhile, the finance company ( XXXX ) can not, or will not, manage the loans. They wont process my requests. They wont count anything as a payment. They keep putting my loans in deferment. 

XXXX finally took the loan out of deferment, after I filed a complaint with CFPB, & I received an email warning to update my bank account for a XXXX dollar payment. 

If I have a XXXX dollar payment, how am I supposed to honor the requirements of XXXX and get credit towards forgiveness?? 

And since were at it Since when is it legal for a company, private or public, to change the terms of the agreement in the middle of a loan? 

When I signed up for an income-driven loan repayment agreement, and agreed to the terms of said agreement to continue working in public service to satisfy the XXXX requirement for loan forgiveness, that is a legally binding agreement. How is it legal to remove me from the agreement when I have not defaulted? 

If the government decided to ( legally, judicially, or otherwise ) to cancel the XXXX program, those in the program should have the option of staying in the program. Or should have at the very least least, speedily, been moved over ( back ) to their previous plan that qualified for XXXX. 

It is my opinion that the Federal Government XXXX XXXX have defaulted on the loan. And the remainder of my loan should be forgiven. If you can direct me to any class action suits regarding XXXX, Federal Student Aid, and any other entity involved in this XXXX situation - I would greatly appreciate it.

Company response to consumer: Untimely response