Student loan -- Dealing with your lender or servicer -- Complaint #19161354
Federal Student Loan Servicer Fails to Respond Promptly to Borrower Concerns
Complaint Overview
Complaint ID: 19161354
Company: Servicer Under Contract With Federal Student Aid
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: Illinois
ZIP Code: 60506
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-01T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Untimely responses from a federal student loan servicer can delay resolution of payment issues, potentially leading to missed payments or increased debt.
Consumer Sentiment: negative
Topics: Student loans, Federal student loan servicing, Payment issues
AI Analysis
CFPB complaint 19161354 was filed against Servicer under contract with Federal Student Aid regarding Student loan (Federal student loan servicing), specifically about "Dealing with your lender or servicer". A federal student loan borrower in Illinois experienced untimely responses from their servicer, which is under contract with Federal Student Aid. The complaint was received on January 31, 2026 from Illinois. The company responded with "Untimely response".
What You Should Do -- Consumer Action Plan
If your federal student loan servicer is not responding in a timely manner, document all communication attempts and consider escalating your complaint to Federal Student Aid.
Legal Context & Consumer Protection Laws
Federal student loan servicers are contractually obligated to provide timely and accurate information and assistance to borrowers.
Regulatory Insight
Federal Student Aid expects servicers to adhere to strict timelines for responding to borrower inquiries and complaints.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Illinois, borrowers have consumer protection rights that may apply to loan servicing issues, though federal regulations often take precedence for federal loans.
Industry Comparison
While some private loan servicers may have less stringent response time requirements, federal loan servicers are held to higher standards by the Department of Education.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161354 about?
CFPB complaint 19161354 involves Student loan (Federal student loan servicing). The consumer reported an issue with "Dealing with your lender or servicer", specifically "Trouble with how payments are being handled". This complaint was filed against Servicer under contract with Federal Student Aid on January 31, 2026.
Which company is complaint 19161354 filed against?
Complaint 19161354 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 19161354?
Servicer under contract with Federal Student Aid responded with "Untimely response". The response was NOT marked as timely by the CFPB.
When was complaint 19161354 filed?
Complaint 19161354 was received by the CFPB on January 31, 2026. It was sent to Servicer under contract with Federal Student Aid on February 1, 2026.
What state was complaint 19161354 filed from?
Complaint 19161354 was filed from Illinois. You can view all complaints from this state at /state/IL.
Was the consumer satisfied with the resolution of complaint 19161354?
Dispute information is not available for complaint 19161354.
What product category is complaint 19161354 about?
Complaint 19161354 is categorized under "Student loan", specifically "Federal student loan servicing". This is one of the product categories tracked by the CFPB.
How was complaint 19161354 submitted?
Complaint 19161354 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 19161354?
Federal student loan servicers are contractually obligated to provide timely and accurate information and assistance to borrowers. This relates to a Student loan complaint against Servicer under contract with Federal Student Aid involving "Dealing with your lender or servicer".
How likely is complaint 19161354 to be resolved?
Resolution likelihood: likely. The company's current response is "Untimely response".
What does the risk level mean for complaint 19161354?
This complaint is rated as medium risk. Untimely responses from a federal student loan servicer can delay resolution of payment issues, potentially leading to missed payments or increased debt.
What regulatory actions apply to complaint 19161354?
Federal Student Aid expects servicers to adhere to strict timelines for responding to borrower inquiries and complaints. The CFPB tracks complaints like this one to identify patterns of misconduct across the Student loan industry.
What should the consumer do about complaint 19161354?
If your federal student loan servicer is not responding in a timely manner, document all communication attempts and consider escalating your complaint to Federal Student Aid.
Are there state-specific protections for complaint 19161354?
In Illinois, borrowers have consumer protection rights that may apply to loan servicing issues, though federal regulations often take precedence for federal loans. This complaint was filed from Illinois.
How does complaint 19161354 compare to industry norms?
While some private loan servicers may have less stringent response time requirements, federal loan servicers are held to higher standards by the Department of Education.
What are the specific response time requirements for federal student loan servicers?
Federal student loan servicers are generally required to respond to borrower inquiries within 10 business days, though specific timelines can vary depending on the nature of the inquiry.
What steps can a borrower take if their federal loan servicer is unresponsive?
Borrowers should first document all attempts to contact the servicer. If issues persist, they can file a complaint with Federal Student Aid (FSA) or the Consumer Financial Protection Bureau (CFPB).
Disclaimer
This analysis is AI-generated and does not constitute legal advice.