Debt collection -- False statements or representation -- Complaint #17819384
Debt Collector Accused of False Statements and Untimely Responses on Federal Student Loans
Complaint Overview
Complaint ID: 17819384
Company: Servicer Under Contract With Federal Student Aid
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Indiana
ZIP Code: 46219
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-11-07T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The complaint alleges false statements and attempted collection of incorrect amounts, which could indicate deceptive practices or violations of fair debt collection regulations.
Consumer Sentiment: negative
Topics: Debt collection, False statements, Federal student loans
AI Analysis
CFPB complaint 17819384 was filed against Servicer under contract with Federal Student Aid regarding Debt collection (I do not know), specifically about "False statements or representation". A consumer filed a complaint regarding a debt collector's false statements about the amount owed and untimely responses, despite the servicer being under contract with Federal Student Aid. The complaint was received on September 30, 2025 from Indiana. The company responded with "Untimely response".
What You Should Do -- Consumer Action Plan
Consumers should carefully review all debt collection communications, verify the accuracy of amounts claimed, and keep detailed records of all interactions.
Legal Context & Consumer Protection Laws
This case may involve violations of the Fair Debt Collection Practices Act (FDCPA) if the debt collector's actions meet the definition of unfair, deceptive, or abusive practices.
Regulatory Insight
Federal Student Aid contracts with servicers to manage federal student loans; any misrepresentation or improper collection practices by these servicers could lead to regulatory scrutiny.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originates from Indiana, and state-specific consumer protection laws may also apply.
Industry Comparison
This situation is common in the debt collection industry, where disputes over amounts owed and communication practices frequently arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 17819384 about?
CFPB complaint 17819384 involves Debt collection (I do not know). The consumer reported an issue with "False statements or representation", specifically "Attempted to collect wrong amount". This complaint was filed against Servicer under contract with Federal Student Aid on September 30, 2025.
Which company is complaint 17819384 filed against?
Complaint 17819384 was filed against Servicer under contract with Federal Student Aid. You can view all complaints against this company on their profile page at /company/servicer-under-contract-with-federal-student-aid.
What was the company's response to complaint 17819384?
Servicer under contract with Federal Student Aid responded with "Untimely response". The response was NOT marked as timely by the CFPB.
When was complaint 17819384 filed?
Complaint 17819384 was received by the CFPB on September 30, 2025. It was sent to Servicer under contract with Federal Student Aid on November 7, 2025.
What state was complaint 17819384 filed from?
Complaint 17819384 was filed from Indiana. You can view all complaints from this state at /state/IN.
Was the consumer satisfied with the resolution of complaint 17819384?
Dispute information is not available for complaint 17819384.
What product category is complaint 17819384 about?
Complaint 17819384 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 17819384 submitted?
Complaint 17819384 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 17819384?
This case may involve violations of the Fair Debt Collection Practices Act (FDCPA) if the debt collector's actions meet the definition of unfair, deceptive, or abusive practices. This relates to a Debt collection complaint against Servicer under contract with Federal Student Aid involving "False statements or representation".
How likely is complaint 17819384 to be resolved?
Resolution likelihood: likely. The company's current response is "Untimely response".
What does the risk level mean for complaint 17819384?
This complaint is rated as medium risk. The complaint alleges false statements and attempted collection of incorrect amounts, which could indicate deceptive practices or violations of fair debt collection regulations.
What regulatory actions apply to complaint 17819384?
Federal Student Aid contracts with servicers to manage federal student loans; any misrepresentation or improper collection practices by these servicers could lead to regulatory scrutiny. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 17819384?
Consumers should carefully review all debt collection communications, verify the accuracy of amounts claimed, and keep detailed records of all interactions.
Are there state-specific protections for complaint 17819384?
The complaint originates from Indiana, and state-specific consumer protection laws may also apply. This complaint was filed from Indiana.
How does complaint 17819384 compare to industry norms?
This situation is common in the debt collection industry, where disputes over amounts owed and communication practices frequently arise.
What specific regulations govern debt collection practices for federal student loans?
Federal student loan debt collection is primarily governed by the Fair Debt Collection Practices Act (FDCPA) and specific regulations set forth by the Department of Education, including those related to servicers under contract with Federal Student Aid.
What recourse does a consumer have if they believe a debt collector made false statements about their debt?
Consumers can dispute the debt, file a complaint with the CFPB or their state Attorney General, and potentially pursue legal action against the debt collector for violations of the FDCPA or other applicable laws.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.