Consumer complaint received 2024-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

I have been dealing with loan for too long now. As per a court order stipulation, the loan was supposed to be discharged in its entirety. When I went to check if this loan was resolved I saw that it is still showing a balance. I emailed XXXX XXXX XXXX XXXX numerous times and no answer. I emailed XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and nothing from anymore to explain to me why I have a balance of {$1400.00} when the court stated it was discharged completely. I keep getting emails from Aidvantage that my loan payment is overdue and that payment is due immediately. I have sent emails to both the parties listed in this complaint inquiring why am I still getting emails and why is there a balance left. As of today XX/XX/XXXX, nobody has reached out. My credit report was supposed to be updated as per the email XXXX XXXX mentioned. And my credit report is still reporting a loan balance of {$210000.00}. 
I have been going back and forth with Aidvantage for a long time, and I just want to fix. I want a letter from them stating my credit report will be updated and the {$1400.00} balance taken off my account. 

Please review complaint # Back in XXXX of XXXX XXXX Original Complaint. 
In XXXX my husband and I filed for bankruptcy. While filing bankruptcy, on the advice to my attorney we filed for adversary bankruptcy for the student loans, because the amount of debt I had collected was more than what I could pay back. At the time of my filing my loan service provider was XXXX, then in XXXX, it was bought by Aidvantage. In XXXX, my bankrupt was finalized and XX/XX/XXXX, my attorney informed me my student loans were discharged. I received a copy of the stipulation on which had also stated the student loan was discharged. Months after I called them, but they stated they had not received the court papers yet, I was told to call back 2-3 months. I called again, by now it was XXXX going into XXXX, I called my servicer provided again, and asked them had they receive the paperwork yet. Again I was told not yet, and that I should upload the paperwork. I uploaded them in my portal. I waited a few months, and called in XXXX of XXXX. I was the same story. At this point I was upset and mad, I asked to speak to a supervisor and the supervisor as well told me to re-upload my documents again, and the the department of education had a lot going on because of the Biden loan forgiveness. I told the lady I spoke with this was not a loan forgiveness, this was a loan discharge through a bankruptcy case. I advised her that I have a Federal Court Stipulation. Again I upload the court stipulation. Now we are in XXXX, and my loan provider has not done anything. I called them in XXXX of XXXX, they told they had received the paperwork I submitted and that it will take some time. I was already upset and mad because a whole year I have been fighting this and nothing was done. They told me that someone would call me to ask questions about my documents. Another month passes by, nobody called. I called back the loan provider in XXXX of XXXX, was given the run around that it will be fixed not to worry. I called my attorney at this point because it was gross negligence on the loan provider, they had the court stipulation that proved my loan was discharged in it entirety with no interest. Come to find the loan provider has been charging me interest and sending emails that I have made a payment. My attorney called, she given the same run around that it will be taken care of. Months had passed, I called again in XXXX of XXXX, nothing had changed. They told me to call back in a few months. I was already upset. This has cause so much harm to my credit and being able to get rates for a new car for my XXXX son. I cant even buy a house because of it. I waited until the new year to call. So in XXXX, I called in XXXX. The lady stated XXXX XXXX we apologize, we have the documents we have to fix it on our end. It is now XXXX XXXX and nothing is being done. The loan keeps getting interest on it, when the it should have been wiped from my account, credit history and anywhere that can view the loan. I need help, I need someone to direct me to where I need to go to get this taken off from loan provider and my credit. My credit is taking a huge hit because of this loan. 



Please help.