Consumer complaint received 2023-10-11
Company: Maximus Education, LLC dba Aidvantage
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This service provider continues to state that I defaulted on this loan. They also state that I did not graduate from the school and was only enrolled part time. They continue to give these reason as to why I must repay this loan. THEIR STATEMENTS ARE NOT TRUE. 

I have on numerous occasions requested both verbally and formally in writing for the service provider to send me confirmation of these statements. I HAVE REPEATEDLY ASKED THEM TO VALIDATE THE DEBT. Service provider has never sent confirmation of the debt or validation of the debt. Instead, the service provider continues to send me ENROLLMENT documents. Enrollment does not confirm any of the statements made by this service provider. In fact, the enrollment documents clearly show that I attended FULL TIME. 

This service provider deleted XXXX of my student loans for this very same reason but flat refuses to delete this second loan currently listed on the closed school discharge list. Not only did I attend this school full time and graduate, but this services provider has also not validated this debt, neither did the previous service provider before the transfer. In fact, my prior service provider received numerous complaints for forcing students to repay student loan that they actually no longer owed. 

I have never been able to get approved for a mortgage loan due to this false reporting. At XXXX, almost XXXX XXXX XXXX, I have only lived in an apartment. As an XXXX Veteran, I feel punished by this and all service providers that held this account. They have and still are robbing me of " the American dream '' of becoming a homeowner. Their false reporting and failure to validate this debt which appears on the closed school discharge list. 

I'm at wits end. My last resort is completing yet another complaint through CFPB. If this complaint does not result in the validation of my graduation as a full-time student as it was previously recorded by the actual school that I attended, then this service provider must do the right thing and delete this account on the grounds that they have been unable to validate that I owe this debt. 

Enrollment documentation does not confirm graduation. The State of Tennessee reflects that I not only completed the class within XXXX MONTHS, but this information alone would also confirm that I must have been a full-time student that graduated on time. Any other information reported by this service provider is false. 

This debt is listed on the closed school discharge list. I graduated. I was a full-time student. I qualify for the deletion of this debt the same way the debt was deleted from several friends that attended this schools and graduated with me. Their debt was deleted shortly after the closed school discharge list was made public. Ther is absolutely no reason that this debt should not have been deleted from my account as well.

One final note : Since this service provider keeps telling me that their " records '' shows that I was enrolled part-time, I choosing to provide PROOF that there is NO WAY POSSIBLE that I could have only been enrolled part-time when I graduated only months after the proven enrollment date. I was immediately licensed upon XXXX. Therefore, I DO QUALIFY TO HAVE THIS DEBT DELETE FROM THEIR ACCOUNT because they ONLY reason I ever signed up for payment plans was because I routinely was threatened by every single service provider with wage garnishments. In fact, at XXXX point, my wages were garnished and as a result, I lost my job. This debt has followed me for years after the debt was no longer owed. I served my country but have treated like an animal simply for then choosing to take care of the people of this country. Unfair and unacceptable.

Company response to consumer: Closed with explanation