I switched to an XXXX loan after the XXXX plan went defunct and have had my loans for over 25 years and have made XXXX payments that qualify me for loan forgivenss. I reached 300 payments in XXXX of XXXX, however, my loan has still not been forgiven and my loan servicer is still requiring that I make payments. When I switched to the XXXX plan, my loan payments doubled. I know that any payments I make after the 300 payments will be refunded, but it makes sense that they would instead grant an administrative forbearance until they process my loan forgiveness. I contacted them to request this, they gave me the runaround and then stated they have no way of knowing when my forgiveness will be processed. I have been contacting them for over a year for this to be processed and nothing changes. I also don't feel that I should be paying over {$600.00} a month for a loan that should be forgiven and then have to wait for a refund check, seems silly.
CFPB COMPLAINT DATABASE
Maximus Federal
885 real consumer complaints filed against Maximus Federal at the Consumer Financial Protection Bureau in the last 12 months. 1 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Dealing with your lender or servicer348
- 02Incorrect information on your report202
- 03Problem with a company's investigation into an existing problem113
- 04Struggling to repay your loan104
- 05Improper use of your report50
Top states filing
Recent complaints
The 30 most recent complaints against Maximus Federal where the consumer chose to publish their narrative.
I submitted a closed school discharge application to the U.S. Department of Education, Default Resolution Group. My school closed while I was actively enrolled. I was initially denied in error the Department incorrectly determined I was not attending at the time of closure, when I was. The case was escalated for further review. It has been over 8 months with no determination. On XX/XX/year>, I called the Default Resolution Group at XXXX ( 34-minute call ). I was escalated to a supervisor named XXXX. She confirmed the last activity on my case was XX/XX/year>. No case number has been assigned. No case agent has been assigned. No timeline for a decision was provided. I was told to " allow more processing time. '' I am requesting the Department complete its review and issue a determination on my closed school discharge application. I was enrolled when my school closed and I qualify for discharge.
My identity has been stolen. I discovered it XXXX XXXX, XXXX. Over {$12000.00} in loans have been taken out frauduently in my name. I have contacted the Kentucky State Police, Detective at XXXX and submitted several documents to show proof of my real identity. My dispute has been denied. I did not take out these loans. I have contacted XXXX XXXX XXXX, XXXX XXXX and legal counsel at XXXX. No one is listening or taking me seriously!! I did not take out these loans!!!!
My student loan was put on hold for almost XXXX years. I checked my credit report and saw that there was aXX/XX/XXXXday late payment on that student loan. I did not know they restarted payments. They stated they sent the information for payment to restart to an old email that I use to have. They also stated they called me, but I answer all phone calls and never heard from them, or did they not leave a message. As soon as I saw this I paid in full what was late, and have been paying ever since. Besides this, I have never had a late payment on this debt or any other. This was about a year ago, and I just found out I could file this with your company. I filed a dispute with the credit agency. I also called the company and talked to them, but they were not helpful and stated there was nothing they could do. This was XX/XX/XXXX and XXXX of XXXX. The loan is split into XXXX different parts each listed as Dept of ED/AIDVANTAGE Please let me know if you need anymore information.
I am filing a complaint regarding inaccurate and conflicting reporting of my federal student loan status by MyEdDebt. My FAFSA records indicate that I am not in default ; however, MyEdDebt is reporting my loans as in default and has taken collection control. Additionally, there is a discrepancy with my legal name in federal systems, which appears to be contributing to the inconsistency. This conflicting reporting is actively preventing my ability to enroll in school and access federal financial aid. I have attempted to resolve this directly, but the issue remains unresolved. I am requesting immediate investigation, correction of any inaccurate reporting, and coordination with Federal Student Aid to ensure all systems reflect accurate and consistent information. This situation involves unfair and inaccurate reporting practices that are causing harm to my ability to access education. My federal student loan status is being reported inconsistently.…
I submitted a XXXX XXXX to Repayment application on XX/XX/XXXX, and it remains pending with no decision. Based on the XXXX v. XXXX settlement, I believe I am a post-class applicant entitled to a decision on or before XX/XX/XXXX. I am requesting confirmation of : XXXX. My classification under the settlement ( post-class status ) XXXX. My official decision deadline XXXX. The current status of my application XXXX. Confirmation of full relief of all student loans in my defense application dated XX/XX/XXXX XXXX. The date my full relief will take effect XXXX. Any additional steps I need to take to have my full relief of all loans processed XXXX on the enclosed information from the XXXX XXXX XXXX website, it does appear that I am entitled to full relief. I called and spoke to the Department of Education the morning of XX/XX/XXXX, and requested the information above. I was told a decision on my application had not been made yet.…
In XXXX or thereabouts, during the process to procure a mortgage, I had to get my student loans out of default so I submitted a loan consolidation request with my loan servicers, XXXX and XXXX. I asked that all loans, XXXX and XXXX, be consolidated. I received a notice saying that they were. Years later, I get a notice that my loan is again in Default. Turns out, one random XXXX loan was left out of the consolidation. For the last 3 years I have contacted both servicers, by chat, email, and phone and submitted multiple consolidation requests to no avail. Please assist.
Subject : Urgent Review Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting an urgent and formal review of my federal student loan account due to conflicting and potentially incorrect information provided by my loan servicer, Aidvantage. I graduated from chiropractic school in XX/XX/XXXX and have been in repayment, deferment, forbearance, and Income-Driven Repayment ( IDR ) plans for overXX/XX/XXXX years. I was transferred from XXXX to Aidvantage and placed into the SAVE repayment plan at the beginning of XXXX. At that time, I was informed that I was approximately 9 months away from qualifying for loan forgiveness under IDR. However, following the recent changes to the SAVE plan, I contacted Aidvantage to understand my repayment options. During that call, I was told that under an IDR planwith an annual income of approximately $ 40,000my monthly payment would be {$3000.00} per month forXX/XX/XXXX months.…
Subject : XXXX Misapplied Forbearance Complaint Complaint : I am a federal student loan borrower whose loans were serviced by XXXX I graduated with {$100000.00} in loans and began repayment immediately, always using automatic withdrawals. XXXX placed my loans in forbearance and deferred payments without my knowledge, causing tens of thousands in additional interest. I only voluntarily paused payments from XXXX XXXX one time due to temporary financial constraints. I currently owe {$150000.00} under XXXX.
Formal Complaint Inaccurate Student Loan Reporting and Improper Collection Activity To Whom It May Concern, I am submitting this complaint regarding inaccurate credit reporting and improper collection activity related to my student loan account. The student loan accounts in question were paid in full/discharged by the U.S. Department of Education . The loan servicer received this payment and the account balance was satisfied. However, despite the loan being paid, the servicer subsequently transferred the account to a collection agency and it is now being reported as a delinquent collection account. This is inaccurate because no balance was owed at the time the account was placed into collections.I have disputed this inaccurate information with the credit reporting agencies, including XX/XX/XXXX, and XX/XX/XXXX. However, the disputes were investigated and returned as verified, despite the fact that the information being reported is incorrect.…
Greetings, I received a Borrowers Defense discharge for my federal student loans and my account reflects a XXXX balance with a negative balance of XXXX, which I believe to represent the refund owed to me. It is over XXXX months since the discharge. I have contacted my loan servicer multiple times, but I am not getting clear answers. When I ask about the negative balance, I am told vague statements such as it was escalated in XXXX, the assigned agent left notes in XXXX and nothing since so therefore it is " processing '' or in a " calculation stage '' without confirmation whether the negative balance which was not there before, is coded as a refund
I have been the victim of identity theft and fraud. Someone has taken a federal student loan out in my name and enrolled in XXXX XXXX XXXX XXXX in Indiana on XX/XX/XXXX and then dropped out on XX/XX/XXXX at which point the college issued a partial refund. On XX/XX/XXXX i checked my credit on XXXX XXXX and noticed this loan was there and is increasing every month as it is a baloon loan. I graduated college over two decades ago and have never had a student loan in my life, ive also never been to Indiana. The loan servicer Aidvantage is beyond corupt and I have documented every conversation with there agents to show the lies, and deception they push to drag this out as long as possible. Trying to get information out of Aidvantage and XXXX XXXX has been a full time job for nearly 3 months. I have an open case withe the indiana attorney generals office and the investigator has subpoenaed the documents under my name from the college and loan servicer and received zero response.…
My name is XXXX XXXX, residing at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am writing to formally complain about an incorrect account status reported by XXXX XXXX XXXX XXXX credit reports with XXXX, XXXX, and XXXX. The account in question is listed under account number XXXX, with a current balance of {$4600.00} and marked as derogatory. I have consistently disputed this incorrect information on XXXX separate occasions : XX/XX/year>, XX/XX/year>, and XX/XX/year>, using the automated dispute process ( autoblast ). Despite these efforts, the erroneous derogatory status remains on my credit reports, adversely affecting my credit scores ( XXXX : XXXX, XXXX : XXXX, XXXX : XXXX ). These inaccuracies are damaging my financial standing and limiting my access to credit, which is vital for managing personal and household expenses. According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and fair credit reporting.…
CFPB COMPLAINT COPY FOR YOUR XXXX Consumer Financial Protection Bureau consumertinance.gov/complaint Complainant : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX... HOW TO FILE : Go to consumerfinance.gov/complaint Select 'Student loan ' Select 'Federal student loan ' Company : Aidvantage Paste the narrative below CFPB FORM FIELDS FILL IN EXACTLY AS SHOWN Product : Student loan Sub-product : Federal student loan servicing Issue : Dealing with your lender or servicer Problem with customer service Company name : Advantage ( XXXX XXXX XXXX ) COMPLAINT NARRATIVE COPY AND PASTE THIS ENTIRE SECTION I am filing this complaint against Advantage ( XXXX XXXX XXXX XXXX for repeated mishandling of my XXXX XXXX XXXX XXXXXXXX ( XXXX ) discharge application, failure to protect my loans during an active XXXX review period, and improper credit reporting that has caused significant and ongoing financial harm.…
This has been an ongoing battle qirh aidvantage I have filed complaints on how I feel my account is being handled. I have had interest acrurred while it shouldn't have been with the multiple transfers from XXXX, XXXX, and now aidvantage. I have paid and paid on time. They turned off my auto draft with the forbearance I didn't request that loosing my .25 % interest rate reduction. I paid {$150.00} that barely went to principal at the beginning of this month. I chatted multiple times since then asking for a recalculation of my loan, how many qualified loam payments I have made, and for a payoff amount. At that time I've requested the payoff because I wanted to be done with it the chats continue to hang up on me or their ai bots won't answer the questions it's like talking in circles til it ends the chats. I have paid on this loan since XXXX. And they say I won't have it paid off till XXXX.…
My federal student loans were XXXX through XXXX XXXX approximately XXXX XXXX ago. My account has shown a negative balance ( refund owed ) for an extended period. I have contacted my loan servicer multiple times and have been told they can not provide any information and that the U.S. Treasury handles refunds. I am requesting confirmation of whether my refund has been processed and sent to the U.S. Treasury, including the date and expected timeline, as well as resolution of any delays. My servicer advised me to file a complaint due to lack of visibility into my refund status.
I applied for Borrowers Defense back in XX/XX/XXXX after attending XXXX XXXX. My loans were placed into forbearance during that time but interest kept accruing the entire time. What I didnt know was that I should have consolidated my loans first, which would have lowered my interest rate and potentially stopped interest from building up. When I called Aidvantage to ask about my options, they told me the setup I had was the BEST option and that consolidating would jeopardize my Borrowers Defense application. I trusted that advice and left everything as-is. Fast forward to XXXX I finally get the email that my XXXX loans were approved for discharge. Aidvantage then told me I could go ahead and consolidate. But when I did, the forgiven loans werent factored in properly, so my interest rate stayed high. To make it worse, I later found out I could have consolidated my loans well before XXXX meaning the advice I was given in XXXX was wrong.…
I entered repayment in XX/XX/XXXX and later consolidated my loans in XXXX. My current income-driven repayment plan shows a forgiveness date of XXXX, which does not appear to include my full repayment history prior to consolidation. Based on my repayment start date, I believe I should be significantly closer to forgiveness, and I am requesting confirmation that the IDR account adjustment has been fully applied and that all qualifying repayment time since XXXX has been credited correctly. Additionally, I submitted an application for an Income-Based Repayment ( IBR ) plan, and it has not been processed despite multiple attempts to follow up through calls, messages, and emails. I am requesting a full review of my account to ensure my qualifying payment count is accurate and that my repayment plan application is properly processed
I am writing to formally dispute serious discrepancies and potential misconduct related to my student loan account. First, I have identified that approximately {$10000.00} has been added to the balance of loans that are between XXXX and XXXX XXXX XXXX and were previously designated for forgiveness. I possess official documentation from the federal government confirming that these loans were to be forgiven. Additionally, I was directed and effectively forced into consolidating loans that were already in the forgiveness process. The Direct Loan Consolidation application was originally submitted in XX/XX/year> ; however, it was not processed until XX/XX/year>. Given the unusual delay, I have reason to believe that key dates may have been altered or misrepresented during processing. Further, I have evidence indicating that : * A fraudulent Income-Based Repayment ( IBR ) application was submitted without my authorization. I have a copy of this document in my possession.…
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt of EducationXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Request for Debt Validation To Whom It May Concern I am writing to request validation of the debt referenced in your collection notice dated [ date of the notice ]. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request the verification of the debt, and I am exercising that right. Please provide me with the following information regarding the debt : 1. The amount of the debt. 2. The name of the original creditor. 3. Verification that you have the legal right to collect this debt. 4. Any documentation that confirms my responsibility for this debt. Please note that until this information is provided, I will consider this debt disputed. I expect your response within 30 days as required by law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
I requested cancellation of a federal XXXX XXXX within the 120-day cancellation window. During that period, the school issued a refund check to an incorrect address, and I did not receive or have access to the funds. I notified the school within the 120-day window that I wished to cancel the loan. However, due to administrative error and delay, the funds were not returned in time. The funds were later reissued and deposited after the 120-day window had passed. Because I did not have possession or control of the funds during the cancellation period, I was unable to return them within the required timeframe. This situation resulted from administrative handling issues rather than borrower inaction. Since then, the school has stopped responding to my communications. I also submitted a complaint to Federal Student Aid ( Case # XXXX ), which remains unresolved.…
My personal and financial information was compromised without my authorization. The XXXX education rights and privacy act XXXX protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information, I request you immediately cancel and discharge my student loan debt. {$9200.00}
Ive opened several cases about this issue, but Aidvantage keeps giving the same response that its been resolved, which is clearly untrue since my student loan balance hasnt decreased at all since the start of the loan. XXXX couldnt provide any details on how my loan ended up with them after XXXX XXXX servicing closed. Ive also paid more to XXXX XXXX than to any other servicer so far. I want my student to show as paid in full and I should be compensated for the lawyer fees and the wasted time since XXXX trying to get this issue resolved.
I am seeking immediate release of a verified overpayment refund of {$8500.00} from Aidvantage. On XX/XX/year>, I overpaid my account by {$8500.00}. Since then, Aidvantage representatives have provided conflicting and verifiably false information. XXXX department claims the check was " mailed on XX/XX/year> '', while another claims the account is " on hold due to a fraud claim ''. Critically : I contacted the U.S. Treasury ( Bureau of the Fiscal Service ) on XX/XX/year>, and they confirmed they have no record of a refund for {$8500.00} ever being transmitted or issued. The " fraud '' flag was caused by a technical error regarding a separate {$1900.00} payment. My bank ( XXXX, Dispute XXXX ) has officially CLOSED that case. I have already received the Treasury check for that smaller amount, proving my address and account are valid. Aidvantage is now withholding nearly {$9000.00} of my funds without legal cause based on an outdated internal security hold.
Approximately Aidvantage has provided wrong information, continuously applied payment wrong after instructed on how I wanted payments applied, rude, and poor customer service. When my wife explains in detail as to how payments are to be applied, they seem confused. I am totally confused myself to this day as to on how my account is being handled in regard to interest or where my money is going. They say they will fix account but never do and never call me when then say they will. Its been a nightmare since i dealt with this servicer. I'm so stressed and confused, both me and my wife. Every time we call to make a payment, its a total nightmare. I need help on correcting my situation. It appears Aidvantage just simply does not listen or care. One other issue is my wife is on my account and pays the bills. She is my wife with all my information from card number, ssn number and knows all about me for thirty years but they refuse to take payment, talk to her unless I'm present.
On XX/XX/XXXX. I formally request a review of a capitalized interest charge of {$2800.00} applied to my account on XX/XX/XXXX. I believe this charge was applied in error and respectfully request its removal. I sent the letter via fax. During the period XXXX, I did not make any payments on this loan, and I was not provided with clear or fair information about my repayment options. There was a payment pause. I was advised that there was no payment due. It was my understanding that under the circumstances, I would not be liable for interest capitalization during this time. Federal student loan regulations restrict the capitalization of interest in cases where borrowers have not been adequately informed of repayment or deferment/forbearance options. Based on these facts, I requested that the servicer Remove the {$2800.00} of capitalized interest from my principal balance. I have not received a response.…
I've talked with this company about fraudulent loans that were obtained in my name. I have followed their procedures. I the proper documentation with a they said it would take approximately 120 days for debts to be discharged. I received a letter stating debt was cancelled and it would be erased from my credit report. I applied for an SBA loan which informed me that my name was located on a Off Set database for Department Of Education. They are still illegally reporting my information in their system stating their are loans owed by me in default. Correct and update your system or I will take legal action to have me removed from The Off Set System.
My loans were serviced with Navient when for XXXX College formally known as XXXX XXXX College approx. between XX/XX/XXXX and XXXX. I also believed to have serviced for my XXXX University loans from XXXX and Parent Plus Loan. These loans now total XXXX. I feel I was not properly informed of options and was steered into believing the best thing for me to choose would be forbearance instead of the Income driven plans. I was not able to make payments. XXXX University did not advise me of the full cost of classes and job placement. I have yet to find a job that is directly related to my degree after graduating with honors in XX/XX/XXXX.
Wile attempting to work with my servicer to correct years of mismanagement of my student loans, an Aidvantage representative sent my entire loan history to other borrowers and additionally, sent other borrowers information to me. The issue of being steered into 13 consecutive forebearances without being provided a reasonable payment plan option has caused my loan balance to more than double. And now I have to freeze my credit because the company has shared my sensitive data. This company needs to be held accountable, they are criminals. I realize in XXXX XXXX 's world, only the rich will be protected, which is why I am now hiring my own lawyer to hold her and these companies accountable.
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing.…
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