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10289547
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2024-09-30
|
Struggling to repay your loan
|
Student loan
|
|
| Issue |
Struggling to repay your loan
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Problem with forgiveness, cancellation, or discharge
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2024-09-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10351991
|
2024-10-04
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about your loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2024-10-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-09
|
| Complaint What Happened |
Due to Biden administration IDR FFELP offering, I consolidated my privately held FFELP for direct loan. During the process of payoff by Ai Advantage to XXXX, XXXX 's autopay was still on and a payment deducted. So, the payoff that was made exceeded the loan balance. As a result, XXXX did not reverse the payment or pay me. Rather, XXXX transmitted the funds to AI Advantage in a bulk ACH file in XX/XX/year>. AI Advantage refuses to acknowledge that the payoff exceeded the balance or locate the funds in the ACH file that XXXX transmitted. I repeatedly get ill-composed non-sensical emails from their customer service. I have provided documentation to the studentaid.gov website and they closed the case. I also have provided this info to the Inspector General 's office today. As a result of AI Advantage 's conduct, my loan balance actually increased and I'm paying interest on a higher balance and being denied any funds back. My balance at XXXX was paid in advance and had no fees. XXXX has said multiple times that they refunded the payment to AI Advantage with the date and ACH file number and amount yet AI Advantage is not providing any information and actually denying that I'm entitled to my funds that were overpaid due to the autopayment not being stopped.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8001250
|
2023-12-14
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2023-12-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-14
|
| Complaint What Happened |
I went online to aidvantage website to pay my bill. Clicked pay now, it filled the total due including next month. Backed to main page. Clicked pay other amount and paid the past due. I was then charged and it showed properly on the dashboard. After I signed out. I was charged again, for twice the amount. I called aidvantage where they admitted they are aware of the issue and offered me no recourse for the damage caused by their system other than a refund, once they receive the money. I have had to put a dispute in with my bank and now have no access and I'm overdrawn. This is not my fault yet I face all the pain while they collect on a government contract.
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| Consumer Consent Provided |
Consent provided
|
|
|
8140027
|
2024-01-10
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-01-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6828755
|
2023-04-12
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-04-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-12
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6181855
|
2022-11-08
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Problem with customer service
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2022-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-08
|
| Complaint What Happened |
Backstory My loans were originally held with XXXX and I paid down the majority of those loans during the emergency forbearance period. My account was transferred to Aidvantage in XX/XX/XXXX. The new loan balance with them was {$12000.00}. I paid that off in XX/XX/XXXX.
XX/XX/XXXX -- Called Aidvantage to request a {$20000.00} refund on my paid in full loans -- Told that the additional {$7500.00} would require a payment history request from XXXX XX/XX/XXXX -- Called in for an update and was quoted 6-8 weeks of processing times -- This appears to be date that my request was officially submitted XX/XX/XXXX -- My loan balance was updated to {$12000.00} on Aidvantage 's website.
-- I was told that the request for {$7500.00} was re-submitted on XX/XX/XXXX -- I am now being told that my request for the {$7500.00} will take an additional 12-14 weeks Since then, I have been trying to get information on what has been happening. I am constantly getting hung up on by account representatives. When asking for an escalation to a manager the hold times are 1hr+ and results in hang ups before speaking to anybody.
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| Consumer Consent Provided |
Consent provided
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|
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6122085
|
2022-10-25
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about your loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2022-10-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-25
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8501687
|
2024-03-07
|
Credit monitoring or identity theft protection services
|
Student loan
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Billing dispute for services
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2024-03-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-07
|
| Complaint What Happened |
After further review of alleged indebtedness I can not confirm I am responsible for it. Foremost, there is no record of a Master Promissory Note on file with the Department of Education. Please provide me with the original instrument, Master Promissory Note, and/or MPN with wet signature. Furthermore, every credit bureau has a different account number for this account. I will be mailing Department of EducationXXXX Aidvantage an affidavit requesting proof of obligation of this alleged debt.
If I, XXXX XXXX XXXX, am found responsible for the indebtedness, please consider this my consent to credit my account from my deposit account via the Certificate of Indebtedness. Dept of ED/Aidvantage/Maximus never credited my account via the Electronic Funds Transfer Act with the interest they made on Treasury coupons.
Please consider this, your opportunity, in good faith, to correct.
I am requesting your proof that I am the obligated party to repay this alleged debt in its original form. Please be aware that any general accounting ledger, statements, or promissory notes printed is not proof of obligation. Please provide proof by affirming you did not purchase, or sell, the original note and or transfer it to any third party. I am requesting this information in accordance with the Truth in Lending Act. Please cease and desist any further attempt to collect on this debt until you can validate it with the original instrument. Furthermore, if validated, please credit my account with the Certificate of Indebtedness including all principal and all past interest made from the Treasury coupon. See 12CFR Part 1026.
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| Consumer Consent Provided |
Consent provided
|
|
|
8445632
|
2024-02-29
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Personal information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-29
|
| Complaint What Happened |
This debt was consolidated in XXXX, after XXXX the previous processor was found guilty of fraudulent activities in XXXX. It my understanding this debt is considered a XXXX of XXXX and was charged off and/or paid in full in XXXX. Due to this being considered income, all of these charged off & paid in full accounts should be removed from all credit reporting agencies under XXXX5 U.S. Code 1681.
Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, AIDVANTAGE is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99.
Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. As a result of this violation, the accuracy of this report is in question. Please review spelling of names on original loans before consolidation for XXXX XXXX. There are over XXXX different names associated with my credit report. At least XXXX are inaccurately spelled but the credit report, seemingly on purpose, doesn't show which accounts these incorrect names are associated with.
Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7
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| Consumer Consent Provided |
Consent provided
|
|
|
8450499
|
2024-03-01
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2024-03-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-01
|
| Complaint What Happened |
My loans are " serviced '' ( if you can call whatever they do service ) by Aidvantage. I applied for the SAVE plan in early XX/XX/2023 about when it went live. It was the plan I selected and I'm well aware both I and my loans qualify for it. I was maintained in the PAYE plan. I applied again shortly after and was again kept in the PAYE plan. I tried emailing them a few times about the issue, got one response that was as helpful as a screen door on a submarine, and have never gotten any further communication. I have also called their customer service multiple times, often waiting for over an hour with no answer and a couple of times the phone would be picked up and hung up almost immediately. My payment would be the same whether in PAYE or SAVE... I'm a social worker, so I make peanuts or whatever nut is worse than peanuts ( which aren't really nuts ). The issue is that the SAVE plan has a feature that forgives interest accrual beyond whatever your payment is so that your balance can stay the same but never increases due to unpaid interest like it does in the PAYE plan. Since I applied for enrollment in the SAVE plan, I have been hit with over {$1000.00} in interest that should not have increased my balance if I was assigned to the correct plan. My previous complaint was closed because I had a pending bankruptcy, which my student loans were not up for discharge regardless. Upon discharge of bankruptcy, Aidvantage updated the account and are charging me a payment amount much higher than the FSA IDR process quoted. They continue to be near impossible to deal with.
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| Consumer Consent Provided |
Consent provided
|
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