Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Advantage response on XX/XX/year> Company 's Response : Thank you for reaching out to the CFPB with your concerns regarding your student loan account. We have reviewed your inquiry and we are unable to locate a student loan account with the information you provided in your CFPB case. You may contact us directly at the number below to provided us with your student loan account number or additional information to be able to locate your account. If you require additional assistance, our representatives are available by calling XXXX. Visit https : //aidvantage.studentaid.gov/contact-us for a current listing of our hours. 

Alleged loan agreement account numbers : ending XXXX Refuse to answer these inquiries proves fraud in factum which is a real attack against the alleged holder in due course. 

DEMAND FOR ADEQUATE ASSURANCE OF DUE PERFORMANCE I am giving Aidvantage 30 days to provide me with the CPA Audit Opinion Report saying that they followed GAAP guidelines, the unaltered master promise note or for Aidvantage to show me who funded this alleged loan. Explanation of the written agreement they wrote, and the bookkeeping entries to this alleged loan. I am requesting full disclosures of this agreement. This loan is pure Fraud in factum. The law states that the U.S. Department of Education requires schools to follow the ( Generally Accepted Accounting Principles - GAAP for financial reporting. They must also follow Generally Accepted Government Auditing Standards that forces the U.S. Department of Education and its schools to disclose the actual bookkeeping entries and that the borrower funded the alleged loan to the same borrower. If theres no explanation to this, it changes the cost and risk of the alleged loan. This is Lack of Consideration which violates the Federal Banking Law - GAAP and the Federal Reserve publications. If the responsible party refuses to explain this agreement to me, then you are liable and this is a breach of agreement - concealment of material facts. The U.S. Department of Education did not follow the law because the CPA Audit Report stated that it didnt follow the law GAAP and I never agreed that my signature and promissory note was money to be stolen and returned back to me as a loan. Now, when I say stolen Im defining stolen as the lender getting the master promissory note without spending one cent to purchase it and indeed violating GAAP- the matching principle. The department of education as it schools concealed the loans from me creating the economics similar to stealing, counterfeiting, and swindling. An agreement means mutual understanding and no concealment. This load is illegal because it did not follow the law - GAAP - standard bookkeeping entries. The contract said interest which defined as the charge for the use of borrowed money. If theres no explanation of the agreement, how is it an enforceable agreement in the first place? Now, if the department of education and its schools did followed GAAP, then I know what the bookkeeping entries are and the company did the opposite to what I understood the agreement was to be. The UCC says that no title passes with theft which the servicers and lender knew that note was stolen with no kind of consideration given to purchase it from me and its not a gift to you from me either. The party who did not write the agreement had a reasonable opportunity to obtain the knowledge of the terms. Copies of the altered loans are considered hearsay evidence and hearsay evidence can not be entered in a court if they try to use it, plus its not personal knowledge. Aidvantage must have personal knowledge of the Original Unaltered Loan Agreement, which they do not have. That copy that Aidvantage has is a forgery. I have personal knowledge as to what was signed NOT Aidvantage who brought the agreement from someone else. This is again purely breach of agreement with concealed material information facts. I have some strategic questions that I need Aidvantage to answer, please. 1. Who was to fund the loan, the borrower or the lender? 2. Did the U.S. Department of Education and Aidvantage follow GAAP? 3. What is the intent of the agreement that the party who funded the loan is to be repaid the money? If not, is it conversion of funds or a theft? 4. What does the agreement say that the U.S. Department of Education and Aidvantage wrote without concealing the financial material facts? 5. Why would I allow the exchange of money for money and then I have to pay double the money plus interest and principal? 6. What is money per the agreement? 7. How can the U.S. Department of Education and Aidvantage claim that this is not part of the agreement? 8. If refusal to answer these strategic questions and explain the agreement in a simple manner, how can there be an agreement? This contract is believed to be forged and there is fraudulent concealment and fraud in factum with unjust enrichment obtaining the note to be free by, violating GAAP. Note : If I dont get a response, I will make a complaint with the Securities Exchange Commission , the Consumer Financial Protection Bureau ( Now ), FINRA , and the office of inspector general, to get involved in this scheme because the U.S. Department of Education and Aidvantage creating economics similar to stealing, counterfeiting, and swindling. Per law there is supposed to be equal protection. However, The U.S. Department of Education and Aidvantage used concealment to keep this secret of the true economics and being dishonest with the student ( me ) keeping me enslavment of alleged debts, insulting my intellectual mind, having no integrity or respect of the financial materials, and keep plundering me as if I am the enemy by keeping this as a secret from me. The U.S. Department of Education and all its schools, the employees of these agencies has no moral or ethical values at all when it comes to another human being, the government, the American People or our Great Country of America. There is no class, integrity, moral or ethics, respect, virtue, or honesty of the financial matter facts. They all are a disgrace to the American People as well as myself and any other that has an honest heart. The XXXX proves itself to be right all the time. These peoples say with their mouths that they love God but in their hearts theyre pure evil, full of malice, greed to money while profiting off of the ignorance, poor, struggles and the pains of the people. What a disgrace to those individuals whos keeping this as a secret from the American people by protecting the bribery investors. They all are paid out and been sold out the America Peoples. Notice to agent is notice to principal and Notice to principal is notice to agent By : XXXX XXXX By : Sovereign : XXXX : of the family of the XXXX Authorised Agent and Representative for XXXX XXXX ens legis and all derivatives thereof No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. WITHOUT PREJUDICE WITHOUT RECOURSE NON-ASSUMPSIT Calls may be recorded.

Company response to consumer: Closed with explanation