Consumer complaint received 2024-03-09 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: FL

Complaint narrative:
The department of education and the servicer AI advantage is yet to take any action on my student loans. I consolidated by loans awaiting action pending my defense to repayment which was filed almost a decade ago. The department of education agreed I was defrauded and issued a letter that my loans were to be cancelled. After waiting years and filing disputes, still no action has been taken. The department of education provided guidance that in order to be eligible for cancellation that I would have to consolidate my loans, which I applied to. The Department provided that I was approved for the SAVE plan and sent my info the AiAdvantage, the servicer. NO ACTION has been taken on my loans. The information on the website is lists administrative forbearance with payment due more than a decade from now, but is actively reporting on my credit as due even though the balances are incorrect. Its not clear what is happening or why. The balances reflected make no sense. Where is my loan cancellation, why has the SAVE plan that I was apparently approved for not executed? Where are the credits applied towards cancellation? Agents from all agencies cant articulate what is happening. Only that I'm in process, but they dont event know what I'm in process for. The information provided is incorrect and incomplete. 

My student loans have been subject to numerous enforcement actions- All which ( as written by the Department of Education ) were to result in full discharge and cancellation many years ago. Despite this, I am yet to obtain ANY of the cancellations and discharges of debt promised. I continue to be charged compounding interest multiplying the student loan debt which was to be cancelled in its entirety. Therefore, I am disputing the entire student loan balance as invalid. The department of education approved my Borrower Defense to repayment acknowledging that I among many other students had been defrauded by my university and suffered for many years. I continue to be financially impacted by the compounding interest, lost opportunities and negative impact to my credit score resulting in paying more despite being a financially responsible person. Whats more, In addition to the egregious acts committed by my school, XXXX XXXX and Navient took advantage of me for years, steering me into forbearance plans instead of federal relief programs for which I was eligible for. It seemed as if justice had finally come, but to date none of the promised actions have been taken by the Department of Education or XXXX XXXXNavient or AiAdvantage concerning my loans, and the credit unions are continuing to incorrectly report the debt as valid. I am requesting full and complete cancellation of all of the student loan balances ascribed to me, refund of any and all monies paid, and the complete removal of all references to the invalid debt being reported by the credit bureaus.

Company response to consumer: Closed with explanation