Consumer complaint received 2025-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WV

Complaint narrative:
I am submitting this rebuttal to Aidvantages XX/XX/XXXX response to my complaint. Their explanation contains a material inaccuracy regarding the transfer date of my federal student loans. In addition, I am now receiving collection notices from Aidvantage despite the unresolved dispute over the validity of these loans.

Aidvantages Claim Aidvantage stated in its response : At the direction of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the servicing of your loan was transferred from XXXX to Aidvantage in XX/XX/XXXX. 


Borrowers Evidence On XX/XX/XXXX, I received an Important Account Information email from XXXX, which stated : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX will soon transfer the customer service of your federal student loan account to Aidvantage Your loan account will be transferred to Aidvantage on or about XX/XX/XXXX. 

This was the first and only transfer notice I ever received. By this time, my XXXXXXXX XXXX loans had already been XXXX under XXXX XXXX XXXX, and my consolidated loans had matured at XXXX months and were fully cancelled. There were no valid loans left to transfer. 


Conflict in Timeline Aidvantage claims : XX/XX/XXXX transfer Documented proof shows : XX/XX/XXXX transfer notice from XXXX This XXXX discrepancy is a material contradiction and strongly suggests that the loans currently being serviced were improperly recreated or extended/altered, not legitimately transferred. 

Ongoing Collection Pressure On XX/XX/XXXX, Aidvantage sent me a delinquency warning email titled Your account is at risk : Payment Not Received. It threatened credit bureau reporting after XXXX days and default after XXXX  days. 

This collection activity is inappropriate and harmful given that the underlying loans are in dispute and Aidvantage has failed to provide verifiable documentation of their legitimacy. 


Requested Actions I respectfully request that the CFPB require Aidvantage and the XXXXXXXX XXXX XXXX XXXX to : 1. Provide verifiable documentation of the alleged XX/XX/XXXX transfer, including loan-level records showing continuity from XXXX to Aidvantage. 
XXXX. Explain why XXXX issued a transfer notice in XX/XX/XXXX if the loans were already transferred in XXXX. 
3. Immediately halt repayment demands, interest accrual, negative credit reporting, and collection actions until this dispute is resolved.

4. Acknowledge and discharge any loans improperly recreated or extended beyond their original XXXX maturity or already XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
5. Restore accurate loan records in XXXX and with credit bureaus reflecting the true cancelled/discharged status of my loans. 


Conclusion The contradiction between Aidvantages XX/XX/XXXX transfer claim and XXXX  XX/XX/XXXX notice proves their explanation is inaccurate. Until complete documentation is provided, repayment and collection must be paused to protect my borrower rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation