Consumer complaint received 2025-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
My federal student loans are being serviced by Aidvantage since XX/XX/XXXX, per and as reported by an Aidvantage agent on XXXX. Agent was not so sure of balance at transferred to Aidvantage but stated it seems that the principle was {$18000.00} and Interest in the amount of {$630.00} Interest.

The principal balance of {$18000.00} + {$630.00} in interest somewhat reflects the balance of {$19000.00} as reflected on a summary I downloaded from my Aidvantage account on XX/XX/XXXX and again on the account information download on XX/XX/XXXX. However, a Aidvantage account history I downloaded on XX/XX/XXXX shows a history description of XXXX interest charges with the last few interest charges dated XX/XX/XXXX in the amount of {$2600.00} which reflects the total of {$19000.00} and a higher amount than the principal balance x interest rate charge fee should be. This also means that my balance was not transferred to Aidvantage at a principle of {$18000.00} and Interest in the amount of {$630.00} Interest per the agent. There is a big discrepancy with the principal balance and interest charge on my student loan account. 

Please NOTE that this complaint details several different type of complaints. 

Multiple times throughout several months, I have requested from Aidvantage to provide a full history of all charges and fees through the life of the student loan account due to many discrepancies, part due to interest charges and fee charges. I had not received an appropriate response that would correlate with my request until a notification email on XX/XX/XXXX with a letter entered on my Aidvantage online account, and from a re-submission complaint on XX/XX/XXXX through my FSA online account. Part of the letter stated the following : You are requesting a full records of interest charges on your student loans. At this time, we are unable to mail any documents due to the cease and desist communication restriction on your account. You may still have access detailed information, including interest charges and transaction history, by logging in to your Aidvantage online account. Your online statements and payment history will show all interest that has accrued and been charged on each loan.. 

On XXXX, I went back to my FSA online account and submitted another complaint requesting information on who and why was a Cease and desist entered into my student loan account ( Case # XXXX ). On XX/XX/XXXX, I also decided to chat online with an Aidvantage agent which I kept a record of the chat. After explaining the Cease and desist was not requested by me, the Aidvantage Agent on the chat stated, Office of the Customer Advocate ( OCA ) is the one who place the Cease and Desist on the account. You would need to reach out to them regarding more details about it and so they could remove it for you. Their number is XXXX. 
Following up on the chat conversation, on XX/XX/XXXX I called XXXX. Came to find out that OCA is Aidvantage and therefore Aidvantage is who placed a cease and desist on my student loan account without informing me or getting authority. So far none of the agents has been able to provide information as to why the cease and desist was placed on my account. The OCA Agent by phone from Aidvantage took my request for a full history on my student loan charges and fee throughout the life of the account and stated they will have an assigned Advisor contact me with the request by email per my request for record keeping vs verbal statement. Agent also stated that I should receive a response to the history requests and reason why the cease and desist within 48 hours but due to the weekend, it may be on Monday. As of current or XX/XX/XXXX I have not received a response from OCA Aidvantage or from last complaint process through the FSA. 

NEXT : Several of my prior complaints includes an issue with interest charges while in-School. I filed a complaint to Aidvantage through my FSA online account after a response from Aidvantage which did not resolve the issue which states the following dated XX/XX/XXXX for Feedback case # XXXX : I have submitted several inquiries concerning the issue with my student loan with servicer Aidvantage Case # XXXX and with FSA ( Case # XXXX & Case # XXXX ). I reported to Aidvantage that Interest acquired in XXXX is incorrect. I reported to Aidvantage that in XXXX of XXXX I was considered In-School deferment since I was enrolled in school with XXXX  XXXX XXXX  XXXX I received the response from Aidvantage as follows : " Your school provides updated enrollment information to the National Student Loan Data System ( XXXX ). This information is sent to us electronically and enables us to update your account and defer your payments, if you qualify. On XX/XX/XXXX, we were informed you were enrolled full time beginning XX/XX/XXXX. To update the begin date it may be necessary for you to have your school update your information with the NSLDS. '' I have logged into National Student Loan Data System ( NSLDS ) and i do show XXXX enrollment reported, as to when it was reported, I do not know ; however, for some reason Aidvantage is claiming they did not receive notice. I need assistance in resolving this mater. I am being charged interest ( Capitalized/Compound ) incorrectly. I've already reached out to the servicer several times in trying to explain the situation with the interest chargres. 
As of XX/XX/XXXX I have yet to receive a response for case # XXXX from either the FSA and or Aidvantage. My student loan should have been placed on an In-School deferment since XX/XX/XXXX, which the FSA, due to my FASFA, clearly has a record of my attendance. The accrue interest charge shown on the Aidvatange does not detail date to date of the accrue interest charges and therefore I need a full detailed date to date of the interest charges through the life of the student loan to assure I was not charged incorrect interest rate.

NEXT : Next discrepancy has to do with the SAVE program and my IDR applications. When the SAVE program went into place, I was one of the first to have applied to be switched from the IDR to the SAVE program. The application
was not processed by Aidvantage and instead my student loan was kept in the IDR program which made me miss out on the first batch of student loan that WERE forgiven. After submitting for the SAVE program about a third time is when Aidvantage switched me over from the IDR to SAVE program. By the time Aidvantage switched me to the SAVE program, the SAVE program went into a pause due to all the governmental still ongoing conflicts. Through my FSA online account and as recorded on my account, and when the SAVE program was placed on a pause, I applied to switch back to the IDR program, as its been since I first acquired the student loans. As of current, the application submitted on XXXX of XXXX is still showing in review on my FSA online account. Instead Aidvantage who is responsible for the processing of the application has kept me on the SAVE program which is also charging interest I should not be inquiring if on the IDR program. Note staying on the SAVE program is also not counting my payments for the loan forgiveness after the XXXX mark of XXXX payments which would otherwise be counted on the IDR program. Please also note that I applied to the SAVE program in time before the deadline for my student loan payments to still count towards the loan forgiveness program after the XXXX years and XXXX payments id switched back to the IDR program. The accrue interest charge shown on the Aidvatange does not detail a date to date of the accrue interest charges and therefore I need a full detailed date to date of the interest charges through the life of the student loan to assure I was not charged incorrect interest rate. 

Then : there is my account going into deferment and forbearance which I have not received notification of reason and changes. And the interest I was charged while on pause for student loans on the SAVE plan, which pause ended XX/XX/XXXX. 

My student loan originated from XXXX XXXX which a class-action lawsuit was filed against XXXX XXXX student loans, accused of misallocating payments, steering borrowers toward forbearance instead of income-driven repayment plans, and providing unclear information about how to re-enroll in income-driven plans.. 
Seems like Aidvantage is following the footsteps of XXXX XXXX. My loans should be a part of the XXXX XXXX class action. 

I need someone to respond to all my complaints and review my federal student loan account to its fullest since the life of the student loan in its completeness for any and all discrepancies and resolution, otherwise this student loan should be voided/nullify. 

PS : see attachments

Company response to consumer: Closed with explanation