|
8234475
|
2024-01-26
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-01-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11310527
|
2024-12-29
|
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 |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-07
|
|
|
8266786
|
2024-02-01
|
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 |
2024-02-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-01
|
| Complaint What Happened |
On XX/XX/XXXX, I submitted complaint number XXXX with current student loan servicer Aidvantage.
The core issues are that : In XX/XX/XXXX, I submitted a request through studentaid.gov to enroll in the income driven repayment plan ( SAVE ). These were received by US Dept of Education and by Aidvantage ( on XX/XX/XXXX and XXXX XXXX respectively ).
I was placed on XXXX XXXX when I raised my previous complain because interest would continue to accrue ( although not capitalize ).
I requested a resolution to my situation- confirm my placement on SAVE plan, confirm payment, take me off administrative forbearance, and waive interest during administrative forbearance.
Case was closed on XX/XX/XXXX with company response of : " A noninterest capitalizing administrative forbearance was processed on XX/XX/XXXX, while your Income Driven Repayment ( IDR ) application was reviewed. In an administrative forbearance, interest does accrue but will not capitalize on your balance. In general, when an account is in a repayment status interest will accrue and will not be waived per your promissory notes... Your IDR application was processed on XX/XX/XXXX. '' Company took MUCH longer to process the application and accrued several thousand dollars of interest during administrative forbearance opportunistically and in DIRECT VIOLATION OF FSA and DEPARTMENT OF EDUCATION DIRECTIVES.
Attached is a memorandum signed by Secretary of Education XXXX XXXX. Aidvantage 's response is a direct violation of the FSA recommendation and Department of Education Authority to " Remediate Potential Harm to Borrowers Caused by Repayment Servicing Errors ''.
On page 5 of the memo, it states under the section Lost Interest Subsidy " If borrowers on the SAVE plan can not make a payment because servicer... placed them in administrative forbearance these borrowers will lose out on any potential interest subsidies for that month. The remediation for this is to ensure these borrowers ' balances do not increase due to interest while their monthly payments are being recalculated '' On Page 5/6, it states " Pending your approval, FSA intends to instruct servicers to :... Ensure affected borrowers effectively do not accrue any interest while their accounts are being corrected '' On Page 10, it concludes " FSA recommends that the Department use the Secretary 's compromise authority to adjust any interest accrued for affected borrowers while their accounts are being remediated. The memo also requests approval to grant credit towards IDR and PSLF for borrowers were taken out of repayment status and in an administrative forbearance to resolve these servicing errors. '' The memorandum was approved and signed by XXXX XXXX.
Aidvantage 's response demonstrates a blatant breach of the Department of Education / FSA memo and opens up significant risk of litigation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11488670
|
2025-01-12
|
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 |
2025-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-12
|
|
|
11894597
|
2025-02-02
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Problem with personal statement of dispute
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-02-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-02
|
|
|
10382756
|
2024-10-08
|
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 |
Received bad information about your loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2024-10-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-18
|
|
|
11614992
|
2025-01-20
|
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 |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-22
|
|
|
10123556
|
2024-09-14
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| 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 |
2024-09-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-26
|
| Complaint What Happened |
All Student loans have been forgiven eff. XX/XX/year>. XXXX Credit Bureaus reporting inaccurate information. XXXX still has the balance and XXXX. XXXX shows correct.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11682137
|
2025-01-20
|
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 |
2025-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-20
|
|
|
11487677
|
2025-01-13
|
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 information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-13
|
|
|
11898034
|
2025-02-02
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Difficulty submitting a dispute or getting information about a dispute over the phone
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-02-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-02
|
|
|
11609534
|
2025-01-21
|
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 |
2025-01-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-21
|
|
|
11778294
|
2025-01-26
|
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 |
2025-01-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-26
|
|
|
11883684
|
2025-02-02
|
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 your payment plan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2025-02-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-02
|
|
|
11681556
|
2025-01-20
|
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 |
2025-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-20
|
|
|
11229225
|
2024-12-21
|
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 |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-30
|
|
|
11194025
|
2024-12-18
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-06
|
|
|
11488918
|
2025-01-12
|
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 information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-14
|
|
|
11436134
|
2025-01-08
|
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 |
2025-01-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-21
|
|
|
11700832
|
2025-01-22
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2025-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-22
|
|
|
11737816
|
2025-01-24
|
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 |
2025-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-28
|
|
|
11681644
|
2025-01-20
|
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 |
2025-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-20
|
|
|
10976624
|
2024-11-29
|
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 |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-20
|
|
|
8209914
|
2024-01-23
|
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 |
2024-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-23
|
| Complaint What Happened |
On XX/XX/2024 I received a letter from advantage loan servicer on their platform regarding 'loss of benefit ' because " you didnt meet this on-time payment requirement, the credit has been added back to your principal balance, increasing the amount you must repay. The alleged date in question is from approximately 11 years prior ; i am just being notified of this now as well as my responsibility for repayment of this.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11246744
|
2024-12-23
|
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 |
2024-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-06
|
|
|
11116734
|
2024-12-11
|
Dealing with your lender or servicer
|
Student loan
|
|
| Tags |
Servicemember
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Keep getting calls about your loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2024-12-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-02
|
| Consumer Consent Provided |
Other
|
|
|
11255540
|
2024-12-23
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-06
|
|
|
11216809
|
2024-12-20
|
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 |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-30
|
|
|
10974604
|
2024-11-30
|
Problem with fraud alerts or security freezes
|
Student loan
|
|
| Issue |
Problem with fraud alerts or security freezes
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Student loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2024-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-19
|
|
|
11185247
|
2024-12-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-02
|
|
|
8202520
|
2024-01-22
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Maximus Federal Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2024-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-22
|
| Consumer Consent Provided |
Consent not provided
|
|
