Student loan -- Dealing with your lender or servicer -- Complaint #18995256
Complaint Overview
Complaint ID: 18995256
Company: Edfinancial Services
Product: Student loan
Sub-Product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-Issue: Trouble with how payments are being handled
State: Oregon
ZIP Code: 974XX
Date Received: 2026-01-25T12:00:00-05:00
Date Sent to Company: 2026-01-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been attempting to make payments on my loan since XXXX of XXXX. I have made four payments, all of which have been reversed. I have called the loan servicer regarding my situation and they have either not been helpful or have not answered my phone calls. I have made the following payments : XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$2300.00} XX/XX/XXXX : {$5000.00} XX/XX/XXXX : {$1300.00} My account has now gone into delinquency because none of these payments have gone through. My credit score is being affected and I seemingly can not do anything about it because my loan servicer will not answer the phone and will not accept my payments. I called the loan servicer on XX/XX/XXXX of this year to inquire about the payment reversal on XX/XX/XXXX and they were entirely unhelpful in giving me any information. I called my bank to inform them that I would be making payments on this loan and they told me that my payments may be getting reversed because I had labelled the account I was trying to take money from as a savings account instead of a checking account. I went back to the loan servicer and changed my bank account information and called them to inform them of that. I was assured that the payment of {$5000.00} would go through and it did not. I have attempted to call since then and have not been able to get through to anyone.
Frequently Asked Questions
What is Complaint #18995256 about?
Complaint #18995256 was filed against Edfinancial Services regarding Student loan specifically about Dealing with your lender or servicer. It was received by the CFPB on 2026-01-25T12:00:00-05:00.
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.