Student loan -- Dealing with your lender or servicer -- Complaint #17922324
Complaint Overview
Complaint ID: 17922324
Company: Central Research INC
Product: Student loan
Sub-Product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-Issue: Don't agree with the fees charged
State: Illinois
ZIP Code: 60411
Date Received: 2025-11-25T12:00:00-05:00
Date Sent to Company: 2025-12-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Secured party transactions 15 usc 1605 says finance charge is sum of all charges so would that exclude a down payment would I still have to make a down payment does it excludes if the charge cant be compared with cash transactions is the finance charge Well I was reading And can u explain this Would that Wan na make sure we on the same page Another dept maybe finance 15 usc 1516 It further states Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable XXXX finance Iam the the agent to the principal Iam the original creditor 15usc 1602 says natural person organization Id u dont perform its litigation and dishonor Title 15 USC 1601 misuse of credit 1602 ( g ) ( j ) ( k ) ( I ) ( p ) credit 1604 ( c ) disclosure guidelines 15usc 1605 ( a ) 1611 -criminally liable 15 usc 1640- any damage {$1000.00} for each violation Find agreement, tila, disclosure, apr, finance charge, amount financed right if rescission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #17922324 about?
Complaint #17922324 was filed against Central Research INC regarding Student loan specifically about Dealing with your lender or servicer. It was received by the CFPB on 2025-11-25T12:00:00-05:00.
How did Central Research INC 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 Central Research INC?
Yes, visit the Central Research INC company profile at readthecomplaint.com/company/central-research-inc 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.