Consumer complaint received 2025-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Here is a polished, complete, and professionally formatted letter you can submit to the Consumer Financial Protection Bureau ( CFPB ). I kept all your key points, strengthened the legal/administrative tone, and organized the narrative for clarity and impact. 




Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX  Washington , DC XXXX Re : Formal Complaint Regarding Improper Mail Delivery and Correspondence Issues Affecting My Student Loan To Whom It May Concern : I am writing to formally submit a complaint regarding ongoing issues with undelivered or improperly delivered mail from my student loan servicer. These mailing errors have repeatedly prevented me from receiving critical correspondence, responding to time-sensitive requests, and participating in important repayment and relief programs. This issue has been recurring for several years and has substantially affected my financial stability and my ability to act in good faith regarding my student loan obligations. 



Persistent Failure to Ensure Proper Delivery of Mail On XX/XX/XXXX, I received a letter from my loan servicer that once again demonstrated a problem I have repeatedly reported : the full address printed on the window envelope was not completely visible. This is an issue I have raised many times in past complaints and phone calls, including a documented conversation with a supervisor in XXXX. 

My address is in a newly developed community, and because of its length, it requires clear formatting and full visibility for successful USPS delivery. The United States Postal Service requires the complete addressincluding unit number, city, state, and ZIP codeto be visible within the envelope window. When this is not done correctly, the mail is delayed or simply never arrives. 



History of Delivery Failures and Direct Impact In XXXX, my wages were garnished without any prior notice. I did not receive the legally required notification because the mail was not properly delivered. When I finally reached a supervisor, she attempted to correct the issue by moving my unit number ( XXXX  XXXX ) to a second address line. This change caused a new problem : the city, state, and ZIP code no longer appeared in the visible window, leading to further delivery failures. 

These issues have persisted for years, despite my repeated warnings that the formatting of my address must be corrected. I have experienced similar issues with other companies, reinforcing that this is not an isolated matter but one tied directly to how my address appears on windowed envelopes. 

Because of these errors, I did not receive : A request for my 1040 tax form related to loan forgiveness. I could have immediately complied if I had received the correspondence. 
Notification of eligibility for the Fresh Start program, which I later learned I qualified for but never received due to address visibility issues. 

These missed opportunities have caused significant and unnecessary financial hardship. 



Documentation of Recent Mailing Delay I also want to bring attention to a discrepancy involving the XX/XX/XXXX letter. The letter was dated XX/XX/XXXX, but the envelope shows it was actually mailed on XX/XX/XXXX, XXXX four-day difference. If the letter had truly been mailed on the XXXX, the postmark would reflect that date. 

This delay is significant because the matter was time-sensitive. I did not receive the letter until XX/XX/XXXX, as confirmed by USPS tracking, which I have submitted as supporting evidence. This delay deprived me of adequate time to submit my hardship documentation. 



Formal Requests In light of the repeated history, documented failures, and financial harm, I respectfully request the following : 1. A formal investigation into the loan servicers mailing practices, specifically address formatting, envelope window alignment, and compliance with USPS delivery standards. 
2. A review of my original XXXX loan forgiveness submission, with consideration that I never received proper notice due to mailing failures. 
3. Reinstatement or reconsideration of any programs I was eligible for, including Fresh Start, loan rehabilitation, or hardship-based relief, which I did not receive due to undelivered mail. 
4. Confirmation that my address will be formatted correctly on all future correspondence, ensuring full visibility through any envelope window. 

I am attaching a copy of the XX/XX/XXXX letter and the envelope as evidence demonstrating the ongoing issue. 



Thank you for your attention to this matter. I appreciate your prompt review and look forward to a fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation