Student loan -- Dealing with your lender or servicer -- Complaint #17456227
Complaint Overview
Complaint ID: 17456227
Company: Edfinancial Services
Product: Student loan
Sub-Product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-Issue: Received bad information about your loan
State: Florida
ZIP Code: 337XX
Date Received: 2025-11-23T12:00:00-05:00
Date Sent to Company: 2025-11-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : I have been having an issue with my student loan account ever since loan payments restarted. I have never made a late payment and I made payments on my loan throughout the COVID pause. When payments restarted, I not only made the monthly payment required but I have also been making an additional {$500.00} payment per month. I also payed off one of the loans in it's entirety, which is now XXXX of my loans that are paid off. The platform is under the servicer EdFinancial. My account number is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The last XXXX of my XXXX are XXXX. The Account summary in XXXX stated that I had not made my payment even though I paid extra. I called Customer Service and it was fixed. It happened again on XXXX and since then, they have not been able to fix it. The account currently thinks I am over 45 days delinquent even though I am still paying $ XXXX mo XXXX payment is {$830.00} ). I have spoken with Customer Service several times and there are notes on the account but nothing is happening and I don't want this affecting my credit score which is over XXXX. They have been very nice and have escalated the IT issue but I am getting phone calls and emails that I am delinquent when I am not. They told me it won't get reported for 90 days but we are over half way there and I don't want to have to deal with challenging an incorrect report to my credit. The account history shows the payment are being made and processed and the total reflects the payments made but they told me there is ' a delinquency stuck on my account '. I just want this resolved. I am at the point of taking out a private loan to pay this off but am concerned that the account will still show that I owe money that I don't owe. I don't know what else to do at this point so I want it documented somewhere other than Dept of Ed that I am not delinquent.
Frequently Asked Questions
What is Complaint #17456227 about?
Complaint #17456227 was filed against Edfinancial Services regarding Student loan specifically about Dealing with your lender or servicer. It was received by the CFPB on 2025-11-23T12:00:00-05:00.
How did Edfinancial Services respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Student loan) and describe your issue in detail.
Can I see other complaints against Edfinancial Services?
Yes, visit the Edfinancial Services company profile at readthecomplaint.com/company/edfinancial-services to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.