Consumer complaint received 2025-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX Other governing agencies Re : Dispute of Delinquency Student Loan Account Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, I am writing to formally dispute a delinquency recently reported on my credit file by XXXX, the current servicer of my federal student loan ( previously managed by XXXX ) .This negative mark is the result of communication failures and servicer errorsnot a willful failure to pay. I request that this item be reviewed and corrected or removed based on the following facts : XXXX. No proper notification was sent. Advantage had my correct and updated home mailing address ( included in the attached letter from their own portal ), but failed to use it. The letter confirming my address was posted online to their portal, but was never mailed to me. Meanwhile, they sent critical notices about the loan servicer change and payment resumption to an outdated, inactive email address. 
XXXX. I never received any communication, physical or electronic, notifying me that the loan servicer had changed or that payments were restarting after the COVID-related deferment. Despite contacting with new information, which they acknowledged but they didnt change the email and didnt use the XXXX Postal Service XXXX 
XXXX. XXXX was canceled without notice. I had set this account to autopay and relied on that to avoid missed payments. That arrangement was terminated without alerting me, increasing the chance of unintentional delinquency. 
XXXX. As soon as I discovered the issue, I immediately paid the full past-due amount ( proof attached ). My account is now current and in good standing. 
XXXX. I have a long-standing record of responsible credit use and have always acted in good faith to meet my financial obligations. I maintain a credit score of over XXXX and it dropped XXXX points! My ability to work in my field is contingent on my credit score. This mistake on their part if going to cost me my livelihood. 
XXXX XXXX XXXX XXXX XXXX Filed by : XXXX XXXX states and the XXXX XXXX XXXX XXXX. Settlement Amount : {$1.00} XXXX XXXX. {$1.00} XXXX in private loan forgiveness XXXX. {$95.00} XXXX in restitution XXXX. Key Allegations : XXXX. Issued predatory subprime private student loans XXXX. Misled borrowers about repayment options XXXX. Made processing errors that led to delinquencies and defaults Florida was part of this settlement. In late XXXX, as a result of all the pressure, XXXX exited the federal loan servicing business. 
They transferred XXXX million+ federal loan accounts to Aidvantage XXXX a division of Maximus, a private company under contract with the XXXX Department of Education XXXX My autopay cancellation, missing notification, and account confusion could absolutely be related to : The chaotic handoff from XXXX to Aidvantage Poor record transfers Systemwide communication failures These lawsuits show a history of negligence, which strengthens my dispute and any potential escalation By Filing a CFPB complaint Contacting the FSA Ombudsman Writing a dispute letter to point out this pattern of mismanagement Enclosures : A copy of the letter posted to my loan portal showing Advantage had my correct home mailing address. BUT NEVER MAILED THROUGH THE XXXX POSTAL SERVICE Documentation proving that the notice of payment resumption was only sent to a defunct email address and not mailed. 
Confirmation of full payment made immediately upon discovery of the issue. 
Given the lack of proper notification and the clear evidence that I took corrective action the moment I became aware, I respectfully request that this delinquency be removed or amended from my credit report. This event does not accurately reflect my creditworthiness and was entirely preventable had proper communication been used. 
Please contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if further documentation is needed. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation