Consumer complaint received 2023-09-20
Company: Maximus Education, LLC dba Aidvantage
State: CA
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:
I'm reaching out regarding my borrower 's defense -case # XXXX. My case was approved for discharge for my federal student loans through the Department of Education for my enrollment at XXXX XXXX. I received a letter from XXXX XXXX regarding the charge-off for my loan accounts XXXX through XXXX and XXXX through XXXX. However, those loan ID 's ( account numbers ) have all been consolidated to loans # XXXX and XXXX with end date of XX/XX/XXXX -- which is then consolidated to loans # XXXX & XXXX with repayment start date of the same date of the loan # XXXX & XXXX end date XX/XX/XXXX. Your letter stated the student loans for XXXX XXXX  will be discharged, but I feel you are not applying the discharge to the correct file. My Borrower 's Defense Discharge approval is for my federal student loans for XXXX XXXX, in relation to the class action lawsuit " Borrowers Defense Case Under Exhibit C of the Sweet v. XXXX Settlement ''. Please review my file and apply the discharge to all outstanding federal student loan for XXXX XXXX  originated from Department of Education, as I do not believe I am required to make a payment. I have contacted the Federal Student Aid and was told that my file should continue to be in forbearance until my borrowers defense discharge is complete as the Federal Student Aid website still shows it is still pending completion of discharge. However, I have been on the phone for the past 3 weeks in trying to resolve this payment demand I keep getting from Aid Vantage. My last contact to Aid Vantage was XX/XX/XXXX with no resolution and was informed by the rep. that I did not qualify for a forbearance or deferrment ( thank goodness dept. of education was able to update my file w/ the forbearance until this is resolved ) because my Borrower 's Defense Discharge has been completed and all loans applicable were updated. Currently, I am showing a decrease in my credit report and am not able to get any type of financing to fix my primary residence because the storm in XXXX flooded my patio and backyard. I advised Aidvantage that I will contact department of education and was told " Good Luck '' and that if I did not make a payment in XXXX, I will be reported as late payment. I can not afford to have my credit affected by something that is not my fault. I received a call today from XXXX, from Federal Student Aid to file a complaint as it was confirmed that my servicer processed my loan discharged in XX/XX/XXXX incorrectly. XXXX XXXX at XXXX, the servicer should have canceled all of the consolidation loans as the loans were validated that they were for XXXX XXXX, including all consolidated loans.I received a letter from Aidvantage that they would discharge my loans related to my borrowers defense discharge case communicated to me by department of education. I followed up with Aidvantage XX/XX/XXXX as I was receiving payment demand letters via email as reminders almost daily. It has caused me so much stress and XXXX because I am completely confused and am in desperate need of these repairs to my house. 

A fair and ethical outcome would be for Aid Vantage to expedite my discharge for all of my student loan, including the consolidated loan # XXXX & XXXX as they did not discharge based off of my approval for borrowers defense discharge for enrollment at XXXX.

Company response to consumer: Closed with explanation