Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Aidvantage Federal Student Aid Loan Servicing XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX And U.S. Department of Education Federal Student Aid Borrower Advocacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FORMAL REQUEST FOR FULL ACCOUNT RECONCILIATION & INTEREST CAPITALIZATION AUDIT. 
To Whom It May Concern : I am writing to formally dispute the accuracy of the balance currently reported on my federal student loans and to request a complete forensic accounting and interest capitalization audit, pursuant to : 34 C.F.R. 685 ( federal servicing requirements ) The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) The Department of Educations One-Time IDR Account Adjustment All rules governing lawful interest capitalization Aidvantage currently reports a balance of {$370000.00}. This sharply deviates from the verified original loan principal amounts documented in my official Student Aid Data file. 
XXXX. VERIFIED ORIGINAL PRINCIPAL ( Federal Records ) Undergraduate Borrowing ( XXXX ) : {$19000.00} ( Loans paid in full through consolidation ) Graduate Borrowing ( SCNM XXXX ) : {$180000.00} Breakdown : Subsidized : {$42000.00} Unsubsidized : {$140000.00} XXXX. CURRENT BALANCE ( Federal Records ) Outstanding principal : {$330000.00} Outstanding interest : {$36000.00} Total : {$370000.00} My balance has nearly doubled despite years of attempted repayment, indicating improper interest growth and possible servicing errors. 
XXXX. FORMAL REQUEST FOR COMPLETE ACCOUNTING For each individual loan included in my consolidated account, please provide : Original principal & disbursement dates All interest rates ever applied A full interest accrual ledger Every interest capitalization event, with date, amount, triggering event, regulatory authority Full payment history Full forbearance/deferment history Full status history Written confirmation of COVID-era compliance Screenshots or generic descriptions are insufficient. 
XXXX. BASIS FOR DISPUTE The doubling of my graduate balance is inconsistent with lawful servicing. 
This inflation appears connected to : repeated forbearance steering, failure to advise me of IDR eligibility, consolidation capitalization errors, improper or undocumented capitalization events, and misclassification of repayment statuses. 
Until corrected documentation is provided, the reported balance must be classified as : " Unverified, disputed, and noncompliant for credit reporting. '' XXXX. REQUESTED RESOLUTION After the recount and audit, I am requesting : A. Removal of ALL improperly capitalized interest ( And all interest accrued on that improper capitalization ) B. Recalculation of my principal balance to lawful levels after reversing improper interest. 
XXXX Retroactive application of IDR credits required under the XXXX Account Adjustment. 
XXXX Immediate loan discharge E. Alternative Relief If not yet eligible for discharge : reduce principal, remove excess interest, correct repayment history, reinstate into proper IDR with accurate counts. 
XXXX Credit Reporting Corrections. Any tradeline based on unverified or inflated balances must be corrected or removed under FCRA. 
XXXX Written confirmation of each correction and the updated accurate balance. Please provide a full written response within XXXX  days. 
Thank you for your immediate attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation