Consumer complaint received 2025-03-08 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: TX

Complaint narrative:
I made my final student loan payment to XXXX XXXX in XXXX. A XXXX or XXXX later, I began receiving letters saying XXXX was taking over my loan. Now my record is with aidvantage, who says they took over from XXXX. Here is the note I just sent to aidvantage. 

Hello, You all need to figure out how a {$12000.00} balance was transferred from XXXX to XXXX to aidvantage, when I have proof that my loans were paid off in full in XXXX. I have now contacted XXXX different agencies in the last few years about my loans. My original loans were through XXXX, and my final payoff payment was made through XXXX XXXX. There is no doubt about this, as my husband was XXXX of XXXX, and he and I were both working multiple jobs and overtime to try and pay off our debt before he XXXX, which we did. I am tired of receiving new student loan bills saying otherwise. 
About a XXXX  or more after paying off the student loans, I began receiving letters from XXXX, saying they'd taken over. I emailed them a couple of times to tell them my loans were paid off. Unfortunately, once I made the final payment, I no longer had access to any account history or communications with XXXX. In addition, my and my husband 's checking account had been changed at least once due to fraudulent debit card charges. I contacted our bank ( XXXX ), who said I could no longer get bank statements because it'd been too long. However, all of my ( at least ) XXXX student loan payments were tracked on my credit report. My emails to XXXX XXXX came back saying someone would be in contact with me soon. That never happened. Then XXXX came on board - I wrote them the same emails, and they wrote back similarly - that someone was working on it. Nothing ever happened. Then I started receiving letters from aidvantage, and I again wrote emails, to which I received similar responses - someone was working on it. 
I decided, in the absence of and inability to get my bank statements showing payments over the years, I would upload my credit report - which exactly mirrors the dates and amounts of loans which are in your system- and which shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately, your upload system would not take my pdf and I couldn't figure out how to make it smaller, so I mailed in the packet. Imagine my surprise when today I received a packet back from you, showing all of the years of charges from XXXX, XXXX, and XXXX loans ( the same loans on my credit report ) but no record of them being paid off. I am going to return your packet to you, along with another copy of my credit report, with color coding, so you can see side by side that my loans are, in fact, paid off. This is clearly an issue with software or accounting or both, from some point before XXXX took over XXXX 's job. 
My next step is to retain an attorney if these balances are not corrected. 
Please feel free to call me at XXXX if you have any questions. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation