There was enough financial aid to cover my tuition and other expenses for school year 2017-18. However the University of Phoenix (UOP) unjustly returned a portion of my student loans for the 2017 semester after I graduated June 2018. According to my loan servicer FedLoan Serving, the funds were returned in November of 2018. Now the UOP has placed an unsecured loan balance of $5, 196.00 on my credit report via a collection agency and this balance, I do not owe. I have disputed this with UOP. I have contacted the US DEPT OF EDU, FTC and FSA. So far I have seen no results. I have documentation that proves I do not owe this balance and that no loans or grants should have been returned on my behalf by UOP. I was sent an updated account history I requested but the second one was one that could be manipulated. It was typed up in a word document and it was not like the original ledger I had previously received.