Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
It is important to note that a wage garnishment initiated several years ago related to this same alleged debt was terminated after the State determined that I did not owe the debt. At that time, an official review concluded that there was no valid balance due, and the garnishment order was rescinded and it stopped. 

This prior determination clearly demonstrates that the debt in question is invalid, and any subsequent collection efforts including the recent IRS tax refund offset represent a resumption of previously rejected claims, in direct violation of my consumer rights and established state findings. 

Resuming enforcement action on a debt already nullified by the State, without presenting new evidence or providing proper notice, shows a willful disregard for due process and abuse of federal collection tools. 
I am writing to file a formal and urgent complaint against a loan consolidation company and/or collection agency for unlawfully collecting an alleged debt through the seizure of my IRS tax refund and for violating multiple federal consumer protection laws. 
It is important to note that a wage garnishment initiated several years ago related to this same alleged debt was terminated after the State determined that I did not owe the debt. At that time, an official review concluded that there was no valid balance due, and the garnishment order was rescinded. 

This prior determination clearly demonstrates that the debt in question is invalid, and any subsequent collection efforts including the recent IRS tax refund offset represent a resumption of previously rejected claims, in direct violation of my consumer rights and established state findings. 

Resuming enforcement action on a debt already nullified by the State, without presenting new evidence or providing proper notice, shows a willful disregard for due process and abuse of federal collection tools. 

Summary of Complaint : IRS Refund Offset Without Notice : My federal tax refund of {$6000.00} was intercepted through the Treasury Offset Program ( TOP ), and I was never notified of the debt, nor was I given any opportunity to resolve, dispute, or even be informed of this issue prior to the seizure. This lack of notice and due process is unlawful and unethical.

Debt Never Validated or Verified : I was never provided a debt validation notice as required by law. No documentation confirming the debt, its amount, its origin, or its legitimacy was ever shared with me. This constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g.

Inaccurate Name and Identity Issues : The alleged debt is attached to a name I did not use during the time I attended school. I was not married at the time and had no legal name change, raising serious concerns of either mistaken identity or fraudulent activity.

School Confirms No Balance Owed : I have contacted the school I attended, and they have confirmed that I owe them nothing.

Previously Dismissed by the State : Approximately three years ago, this exact debt was brought to the States attention, and the matter was terminated after a determination that I did not owe the debt. 

Laws Potentially Violated : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

1692g Failure to provide written notice and validate the debt.

1692e False representation of the character, amount, or legal status of a debt.

1692d Engaging in abusive or unfair collection practices.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

1681i Failure to investigate disputed information on credit reports.

3. Treasury Offset Program ( TOP ) Regulations Under the Debt Collection Improvement Act of 1996, agencies are required to provide advance notice before any federal payment ( such as an IRS refund ) is offset. I received no such notice, violating my rights under the Treasury Offset Program ( TOP ) guidelines and 31 CFR 285.5 ( d ).

Relief Requested : Full investigation into the actions of the collecting agency and/or loan servicer.

Confirmation of whether my refund was lawfully seized.

Reimbursement of the {$6000.00} refund taken under an invalid or unverified debt.

A formal record clearing this debt and halting any future collection attempts.

Enforcement action against the company for violations of federal law and denial of due process.

I am prepared to provide documentation of the refund seizure, school statements, and prior state-level determination if needed.

Thank you for your immediate attention to this serious matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation